Best High-Yield Savings Account Rates — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Top high-yield savings rates currently available include ORSA Credit UnionORSA Credit Union500 S HARVEY ST, PLYMOUTH, MI 48170 1759A5.0 ★Texas Ratio: 7.78% offering High Yield Savings at 10.00% APY, and Pathways Financial Credit UnionPathways Financial Credit Union5665 N Hamilton Rd, Columbus, OH 43230A5.0 ★Texas Ratio: 6.22% offering Owner Rewards Savings at 10.00% APY, and Excite Credit UnionExcite Credit Union265 Curtner Ave, San Jose, CA 95125A5.0 ★Texas Ratio: 10.89% offering New Membership Bonus Savings at 5.00% APY, and Kinecta Federal Credit UnionKinecta Federal Credit Union1440 Rosecrans Ave, Manhattan Beach, CA 90266A+5.0 ★Texas Ratio: 3.77% offering High Yield Savings at 5.00% APY. Savings rates as of June 11, 2026 according to verified data from MonitorBankRates.
We evaluate the financial stability of every listed institution using proprietary Safety Grades (A+ to F), Star Ratings, and Texas Ratios — so you can maximize yield and deposit with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. Savings Account Rates Last Updated and Verified: June 11, 2026
Compare the Best High-Yield Savings Rates Nationwide
Qualifying balance up to $1,000.00
Qualifying balance up to $5,000.00
Anticipated Bonus Dividend Rate for balances of $0.01 to $2,500: 4.89%. Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances up to $24,999.99. Offer subject to change without notice.
Qualifying balance up to $499.99
No additional details available.
Promotional rate
Qualifying balance up to $500.00; $0 min opening deposit. No monthly fees. High yield checking required.
No additional details available.
AVG DAILY STEPS: 10,000+
No additional details available.
No Monthly Fees; No hidden fees; Up to six (6) withdrawals or transfers per statement cycle are permitted for High Yield Savings and Money Market accounts, including preauthorized, automatic, and telephone transfers.
No additional details available.
Exclusively for customers age 62 and older. Rates effective as of May 1, 2026. Rates may change at any time without prior notice. Fees could reduce earnings on the account. The Annual Percentage Yield (APY) is accurate as of the date shown. Deposit accounts are insured up to the maximum amount allowed by law by the Federal Deposit Insurance Corporation (FDIC).
No additional details available.
balances up to $14,999.99
Boosted Rate
No additional details available.
No additional details available.
Earn up to 4.00% APY so you can start saving for the future, today.
Tier 1 - $0 to $25,000 (4.00% APY); Tier 2 - $25,000.01 to $50,000 (0.50% APY); Tier 3 - $50,000.01 to $100,000 (0.75% APY); Tier 4 - $100,000.01 to $250,000 (1.00% APY) and; Tier 5 - $250,000.01+ (1.50% APY). HYSAs are blended-rate accounts, with only the amounts falling within each tier being eligible for applicable APY. Resulting APY ranges for each tier are: Tier 1 - 4.00%; Tier 2: 2.25% to 3.99%; Tier 3: 1.50% to 2.24%; Tier 4 - 1.20% to 1.49% and; Tier 5: Up to 1.49%. Fees may reduce earnings. Rates may change after an account has been opened. Limit of one HYSA per primary member's Social Security Number.
Limited Time Special Rate up to $5,000**
Limited time offer.
No additional details available.
No additional details available.
No additional details available.
Typically, earn interest at a higher rate than with a traditional savings account. Accelerate earnings, with flexible access to your money. Open with $100 or more, then boost your balance with online deposits.
Build your retirement savings in a Traditional or Roth IRA. Get both the tax advantages of an IRA and a great savings rate. Save confidently for the future with an FDIC-insured account.
Introductory promo for new customers. Standard Interest Rate is variable and may change after account opening. National average comparison is based on the FDIC U.S. National Average of 0.39% APY verified as of 3/16/2026.
1 Annual Percentage Yield (APY): All Bread Savings APYs are accurate as of 06/03/2026. APYs are subject to change at any time without notice. Offers apply to personal accounts only. Fees may reduce earnings. For high-yield savings accounts, a minimum of $100 is required and must be deposited in a single transaction. For high-yield savings accounts, the rate may change after the account is opened. To open a CD, a minimum of $1,500 is required and must be deposited in a single transaction. A penalty will be imposed for early withdrawals on CDs. At maturity, your CD will automatically renew and earn the base interest rate in effect at that time.
Advantage Savings APY applies to balances up to $5,000; lower rate applies above that amount. Savings APY is variable.
No additional details available.
Tiered rate account. If your daily balance is $50,000 or more, the APY is 3.90%. If your daily balance is between $10,000.00 and $49,999.99, the APY is 3.90% If your daily balance is between $1.00 and $9,999.99, the APY is 3.90%. Rates are variable and subject to change without notice. Fees could reduce earnings.
No additional details available.
No additional details available.
up to $10,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No minimum required to open.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Qualifying balance up to $10,000.00
Annual Percentage Yield (APY) is variable and is accurate as of 6/3/2026. Rate is subject to certain terms and conditions. You must deposit at least $5,000 to open your account and maintain $25 to earn the disclosed APY. Rate and APY may change at any time. Fees may reduce earnings.
No additional details available.
Earn 3.75% APY* on Daily Balances when you Maintain an Advantage Checking Account
No additional details available.
No additional details available.
No additional details available.
National Savings Rate Trends
Daily national average APYs for high-yield and standard savings accounts
Weekly averages compiled from thousands of current savings rates across our database of 8,500+ banks and credit unions — updated every evening.
National high-yield savings rates fell 0.006 points over the past 7 days to 1.999% APY, down from 2.005% last week.
Standard savings rates rose 0.030 points over the past 7 days to 0.823% APY.
What Is a High-Yield Savings Account?
A High-Yield Savings Account (HYSA) is a federally insured deposit account that pays interest rates significantly above the national average — typically 10 to 20 times higher than traditional savings accounts at brick-and-mortar banks. Online-only banks and financial technology companies can offer these elevated rates because they don’t carry the overhead of physical branch networks.
All legitimate HYSAs at FDIC-member banks are insured up to $250,000 per depositor. Credit union equivalents are covered by the NCUA for the same amount. Your principal is safe regardless of market conditions, and your account remains liquid — you can withdraw funds at any time without penalty, unlike a CD.
How to Compare High-Yield Savings Rates
When evaluating a HYSA, look beyond the headline APY. Consider: minimum deposit requirements, whether the rate is promotional or ongoing, any balance tiers that change the rate, monthly fee structures, and how quickly you can access funds via ACH transfer. MonitorBankRates also displays each institution’s Safety Grade, Star Rating, and Texas Ratio — so you can evaluate financial health alongside rate competitiveness.
HYSA vs. CD: A high-yield savings account keeps your money fully liquid. A Certificate of Deposit (CD) locks your funds for a fixed term in exchange for a guaranteed rate. If you don’t need immediate access, CDs can offer higher yields than even the best HYSAs.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate high-yield savings account rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from institutions’ own digital properties and manually verifying yields daily, every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields across the country. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield national online banks available to savers in all 50 states.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency into when that specific rate was confirmed.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Savings Calculators
Frequently Asked Questions about High-Yield Savings Accounts
What is a High-Yield Savings Account (HYSA)?
Is my money safe in an online savings account?
Savings Account vs. Certificate of Deposit (CD)?
How often do savings rates change?
Do I have to pay taxes on interest earned?
Are online banks better than local banks for savings?
How do I open an online savings account?
What are the best High-Yield Savings rates nationally right now?
- ORSA Credit Union
High Yield Savings — 10.00% APY - Pathways Financial Credit Union
Owner Rewards Savings — 10.00% APY - Excite Credit Union
New Membership Bonus Savings — 5.00% APY - Kinecta Federal Credit Union
High Yield Savings — 5.00% APY - Blue Federal Credit Union
Accelerated Savings — 5.00% APY
More Savings Rate Options
