Compare the Best High-Yield Savings Account Rates Today
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current national savings rates include Responders Emergency Services Credit UnionResponders Emergency Services Credit Union924 W Sinto Ave, Spokane, WA 99201 2531A+5.0 ★Texas Ratio: 0.00% offering Savings at 12.00% APY, Quail Creek BankQuail Creek Bank12201 N May Ave, Oklahoma City, OK 73120A+5.0 ★Texas Ratio: 1.89% offering LINQUP Savings at 10.52% APY, SPECTRASPECTRA1024 Saint Nicholas Dr, Waldorf, MD 20603A+5.0 ★Texas Ratio: 0.00% offering Brilliant Kids Savings at 10.38% APY, Service Federal Credit UnionService Federal Credit Union14 Colby Ct, Bedford, NH 03110A5.0 ★Texas Ratio: 11.03% offering Deployed Warrior Savings at 10.00% APY, and Pathways Financial Credit UnionPathways Financial Credit Union5665 N Hamilton Rd, Columbus, OH 43230A5.0 ★Texas Ratio: 6.58% offering Owner Rewards Savings at 10.00% APY. Savings rates as of according to verified data from MonitorBankRates.
Online savings accounts have revolutionized personal banking by offering interest rates that significantly outperform traditional brick-and-mortar banks. Without the overhead of physical branches, online banks pass these savings directly to you in the form of higher APYs and lower fees. Whether you’re building an emergency fund or saving for a major purchase, a high-yield savings account is one of the safest ways to grow your money faster.
Savings rates reflect recent market quotes and representative offers available to depositors nationwide. Savings Rates Last Updated and Verified: April 16, 2026
Current National High-Yield Savings Account Rates
Maximum Balance: $1,200
Qualifying balance up to $1,000.00; We'll match your initial deposit to this account up to a $50 maximum***; Additional $50 incentive if you enroll for EZ-Allowance or Direct Deposit ($50 max)***
As Low As; Qualifying balance up to $1,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $6000.00
Kid's earn 10% APY on the first $500 they save!; The first $500 on deposit will earn 9.57% interest for an APY of 10.00%.
Qualifying balance up to $1000.00
Balance: $5 - $1,000
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $0.01
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1000.00
Qualifying balance up to $2,500.00
Qualifying balance up to $2,500
Qualifying balance up to $500
Qualifying balance up to $500.00
Qualifying balance up to $1500.00
Maximum contribution of $2,000 per month from a qualified source, such as payroll from LAUSD or LACCD
KEMBA Advantage APY
Everyday APY
about homebuyer plus
$500 bonus
Qualifying balance up to $1,000.00
BONUS GIFT: Every new Kids Club account comes with an adorable Moose Plush - the perfect savings adventure sidekick!
Qualifying balance up to $10,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $2500
Qualifying balance up to $1,000.00
Earn a great rate, plus get $25 when balance reaches $1,000.
Qualifying balance up to $2,500.00
Qualifications Required: at least one deposit must post and clear; the total of all deposits must be less than $200.00; Qualifying balance up to $2,500.00
One great rate, all Chaffey Members.
Applicable Share Certificate dividends exclude HSA and IRA. Access via debit cards or checks (paper or electronic) not permitted. $5.00 monthly inactivity fee incurred if no additional activity across the business membership within previous 12 months. Business accounts only; consumer accounts not eligible.
Qualifying balance up to $5,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $3,000.00; LIMITED-TIME SPECIAL! Get $100 when you open a Kid or Teen Connect Savings Account!â€
Qualifying balance up to $3,000.00; LIMITED-TIME SPECIAL! Get $100 when you open a Kid or Teen Connect Savings Account!â€
Qualifying balance up to $2000
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
about homebuyer plus
Qualifying balance up to $500.00
(ages 0-17 or older with current Student ID)
Qualifying balance up to $500.00
Qualifying balance up to $500.00
Must have a Planters Round Up Checking Account
Qualifying balance up to $1,000.00
Prizes for deposits over $10; Annual birthday surprise
Qualifying balance up to $500.00
Qualifying balance up to $15,000.00; Link a High-Rate Checking account, meet transaction requirements, and pay $0 monthly fees.
Qualifying balance up to $10,000.00; linked to High-Rate Checking. No monthly service fees and online and mobile banking access.
Qualifying balance up to $10,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $5000
Fees may reduce earnings. Rates are variable and may change after account opening. Membership is required; $5 minimum to open a membership.
Qualifying balance up to $5,000.00
Qualifications Required: Receiving direct deposit(s) totaling $1,000 or more; End the month with a positive balance in all your Varo Accounts; Qualifying balance up to $5,000.00
Qualifications Required: At least 10 debit card purchases; Be enrolled in and agree to receive e-Statements; At least one direct deposit, ACH credit, or ACH payment transaction; Qualifying balance up to $50,000.00
Qualifying balance up to $10,000.00; For ages up to 25.
Qualifying balance up to $10,000.00
Qualifying balance up to $10,000.00
One Per Member (Primary RS Savings only) for 5%
Qualifications Required; Qualifying balance up to $2,500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $5,000.00
$0-$5,000
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $5,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
$0-$5,000
Qualifying balance up to $500.00
As High As
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00; Learn More
Earn a 5% match each month; Get rewarded up to $350 each year
Qualifications Required; Qualifying balance up to $10,000.00
Qualifications Required; Qualifying balance up to $10,000.00
Qualifying balance up to $100.00
Qualifying balance up to $1,000.00
As high as
Qualifying balance up to $500.00
Qualifying balance up to $750.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
max $300 deposit per month
Full Balance
Qualifying balance up to $9,999.99
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Qualifying balance up to $500.00
Qualifying balance up to $500.00
Qualifying balance up to $499.99
Available for personal memberships.
Qualifying balance up to $5,000.00
UP TO AGE 21
Qualifying balance up to $1,000.00
Qualifying balance up to $1,000.00
Qualifications Required: First Entertainment Checking Account; eStatements only; active online Bill Pay service or Direct Deposit; Qualifying balance up to $500.00
Qualifying balance up to $5,000.00
Qualifying balance up to $500.00
Must be opened at a branch; Qualifying balance up to $5,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $1,000.00
$0 - $2,500
Qualifying balance up to $100.00
Additional entry in the Your Refund, Plus Some drawing for $1,000.
Qualifying balance up to $500.00
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
For ages 12 & under with 5% APY; Includes a superhero cape and mask
Qualifying balance up to $500
Round up savings is only for funds transferred from the Round UP Checking account. No additional deposits allowed. Dividends paid annually and subject to change without notice.
Qualifying balance up to $1,000.00
Qualifying balance up to $499.99
Qualifying balance up to $1,000.00
Qualifying balance up to $500.00
Balances $0.00 - $1,000.00
Qualifying balance up to $2,000.00
Qualifying balance up to $10,000.00
Bonus dividend rate of 5.00% APY* is paid on the first $2,500 balance in the account for the first 12 months
Your first $500 grows at our highest available rates
Qualifying balance up to $20,000.00
Qualifying balance up to $500.00
Qualifications Required: receive a minimum of $1,000 in direct deposits; enroll in eStatements; have three (3) electronic withdrawal debit transactions posted and cleared (excluding internal transfers); Qualifying balance up to $250,000
Qualifying balance up to $1000.00
FOR HOLDING A SAVINGS AND A CHECKING ACCOUNT*
ELITE CHECKING + SAVINGS EARNS THE ULTRA SAVINGS RATE. The combination of both accounts (Fitness Elite Checking + Fitness Savings) earns the highest rate on your savings account. Meet _Elite qualifications_ + $5,000 min average balance in checking
Qualifying balance up to $500.00; $0 min opening deposit. No monthly fees. High yield checking required.
Must be open for a minimum of three years and pays out on your child's college entrance date or 18th birthday, whichever comes first. Fees could reduce the earnings on the account. Available to qualifying Members. Some restrictions may apply. Ask for details. Receive a paper statement in the mail for $2.00 per month or enroll in free eStatements (electronic statements). Members under the age of 18, Senior Member Accounts, and department SSI excluded. Ask for details.
Qualifying balance up to $10,000.00
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
National Savings Rate Trends
Weekly national average APYs across savings account types — compiled from 8,500+ banks & credit unions, updated nightly.
National high-yield savings rates fell 0.065 points this week to 2.048%, down from 2.113% last week.
National standard savings rates fell 0.001 points this week to 0.752%, down from 0.754% last week.
Savings Rate Trends
Weekly average APYs across all savings account types. Hover to see exact rates for each week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate 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.
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?
- Responders Emergency Services Credit Union
Savings — 12.00% APY - Quail Creek Bank
LINQUP Savings — 10.52% APY - SPECTRA
Brilliant Kids Savings — 10.38% APY - Service Federal Credit Union
Deployed Warrior Savings — 10.00% APY - Pathways Financial Credit Union
Owner Rewards Savings — 10.00% APY
Savings Calculators
Savings Rates by State
