Best High-Yield Savings Account Rates — July 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 Infuze Credit UnionInfuze Credit Union5000 Illinois Ave, Fort Leonard Wood, MO 65473A+5.0 ★Texas Ratio: 3.72% offering High-Rate Savings at 5.01% 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, and Kinecta Federal Credit UnionKinecta Federal Credit Union1440 Rosecrans Ave, Manhattan Beach, CA 90266A+5.0 ★Texas Ratio: 3.77% offering High Yield Savings (Personal) at 5.00% APY. Savings rates as of July 6, 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: July 6, 2026
Compare the Best High-Yield Savings Rates
Give your cash a high-yield boost with 10% APY** on your first $1,000 at the place for savers! Throughout 2025, our High Yield Savings account was consistently ranked either #1 or among the top three in America by MarketWatch.
Qualifications Required: 10 debit card purchases (excluding ATM transactions); 1 automatic payment or direct deposit post and settle; electronic statement; Balances above $10,000 earn 0.05% APY*. Base interest rate of 0.05% APY* if qualifications are not met.
Tiered rates. Earn over 8x above the national savings average.
Qualifying balance up to $499.99
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.
APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. You must be 22 years or older to open an Accelerate It Savings account.
As low as; Rates subject to change at any time.
APY AS HIGH AS
4.50% APY†on $0-500 balance. No monthly fees. High yield checking required.
No additional details available.
Based on 10,000+ average daily steps.
No additional details available.
No Monthly Fees; No hidden fees; No service charges or transaction fees.
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).
Boosted Rate; Base Rate: 3.50% ($0+)
No additional details available.
Earn up to 4.00% APY so you can start saving for the future, today.
No additional details available.
Limited Time Offer!
No additional details available.
Earn as high as 4.00% APY* on your savings! We're all saving for something. Learn more about our High Yield Savings Account. Start Saving
Earn as high as 4.00% APY* on your savings! We're all saving for something. Start Saving
No additional details available.
Balances up to $14,999.99. No monthly fees. No minimum balance. No direct deposit required.
On balances up to $5,000, 0.50% on balances above.
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.
No additional details available.
Introductory promo for new customers. Standard Interest Rate is variable and may change after account opening. Introductory Interest Rate is determined by adding 0.58% to the variable interest rate paid on the Valley Direct High Yield Savings account. Introductory period is one year from the date of account opening.
Annual Percentage Yield (APY) lets you know your rate of return for one year, including interest earned. Interest is compounded daily then credited to your account monthly. You can earn interest on your entire account balance. No monthly maintenance fee.
No additional details available.
Qualifications Required: Qualifications Required; Qualifying balance up to $25,000.00; If qualifications are met
Limited Time Special Rate up to $5,000**
Limited time offer.
No additional details available.
All Balances
No additional details available.
No additional details available.
No additional details available.
No additional details available.
Method of Compounding: Daily
No minimum required to open.
No additional details available.
No additional details available.
($10,000 required average daily balance); Paid Monthly
Tiered, variable rate account. The promotional rate of 4.00% APY will apply to all balances for the first 6 months from the date of the account opening for New Money. New Money is defined as funds deposited from an external financial institution or source, not previously held on deposit at FNBA within the last 30 days. Internal transfers between existing FNBA accounts do not qualify. The promotional rate is available to new accounts only. A $10.00 Service Fee will be imposed if your average daily balance falls below $1,000 for the statement cycle period. After the promotion period ends, you will earn interest at the standard product rates.
No additional details available.
Qualifying balance up to $15,000.00
Annual Percentage Yield (APY) is variable and is accurate as of 6/15/2026. Rate is subject to certain terms and conditions. Rate and APY may change at any time. Fees may reduce earnings.
On balances up to $24,999. No monthly fees. No minimum balance. No direct deposit required.
Balance Tier: $500,000+
No additional details available.
No additional details available.
Earn 3.75% APY on up to $5,000. Earn 1.00% APY on everything else.
Savings Rate Trends
Daily 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.
High-yield savings rates currently average 1.984% APY, based on data from 8,500+ banks and credit unions.
Standard savings rates fell 0.001 points over the past 7 days to 0.868% 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 market 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 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 Coast-to-Coast 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 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 right now?
- ORSA Credit Union
High Yield Savings — 10.00% APY - Infuze Credit Union
High-Rate Savings — 5.01% APY - Kinecta Federal Credit Union
High Yield Savings — 5.00% APY - Excite Credit Union
New Membership Bonus Savings — 5.00% APY - Together Credit Union
Accelerate It Savings — 5.00% APY
More Savings Rate Options
