Best Savings Accounts
With federal interest rates rising, there are now some great savings accounts with lots of free, convenient features that also have a good annual percentage yield (APY). All of the accounts listed here are FDIC insured and most have no monthly maintenance fees. Direct deposits or a minimum balance may be required to avoid monthly maintenance fees or receive a higher interest rate.Many banks have also removed monthly withdrawal transaction limits after the Federal Reserved removed Regulation D requirements in April 2020. Regulation D was a federal law that kept customers from making more than six withdrawals or transfers per month from a savings or money market account. Some banks have kept or modified their monthly withdrawal transaction limits. You can review the bank links to see more account details.
Last updated: Jul 1, 2026
| Bank | APY with Direct Deposit | APY without Direct Deposit | Minimum Monthly Direct Deposit | Minimum to open account | Minimum Daily Balance | Maximum Balance eligible for APY | Early Paycheck? | |
|---|---|---|---|---|---|---|---|---|
| Pibank | 4.40% | 4.40% | Apply | |||||
| Elevault.app | 4.34% | 4.34% | $500,000 | Apply | ||||
| Axos ONE | 4.21% | 1.00% | $1,500 | Apply | ||||
| Newtek | 4.20% | 4.20% | Apply | |||||
| Greenwood | 4.15% | 4.15% | Yes | Apply | ||||
| Climate First | 4.01% | 4.01% | $50 | Apply | ||||
| FVC Advantage | 4.01% | 4.01% | $500 | $500 | Apply | |||
| TotalBank | 4.01% | 4.01% | $25,000 | $2,500 | $1,000,000 | No | Apply | |
 |
4.00% | 4.00% | $10,000 | Apply | ||||
| Poppy Premier Online | 4.00% | 4.00% | $1,000 | Apply | ||||
 |
4.00% | 4.00% | $1 | $1 | Apply | |||
| Fitness | 4.00% | 4.00% | $100 | $100 | $250,000 | Apply | ||
| Brilliant.Bank Surge Money Market | 4.00% | 4.00% | $1,000 | Apply | ||||
| Carver High Yield | 4.00% | 4.00% | $5,000 | Apply | ||||
| Happen | 4.00% | 3.00% | $250 | Apply | ||||
| T-Mobile | 4.00% | 1.00% | $200 | $3,000 | Yes | Apply | ||
 |
4.00% | 0.25% | $200 | $0 | $6,000 | Yes | Apply | |
| Bread Financial | 3.95% | 3.95% | $100 | $1,000,000 | No | Apply | ||
| TIMBR | 3.95% | 3.95% | $1,000 | Apply | ||||
| EverBank | 3.90% | 3.90% | Apply | |||||
| Zynlo | 3.90% | 3.90% | $10 | $0 | $250,000 | Yes | Apply | |
| Popular Direct | 3.90% | 3.90% | $100 | Apply | ||||
| My Banking Direct | 3.90% | 3.90% | $500 | $1 | Apply | |||
| Forbright Growth | 3.85% | 3.85% | Apply | |||||
| PNC | 3.85% | 3.85% | $1 | Apply | ||||
| Primis | 3.85% | 3.85% | $1 | Yes | Apply | |||
| Ivy | 3.85% | 3.85% | $2,500 | $2,500 | $1,000,000 | No | Apply | |
| Peak | 3.82% | 3.82% | $10,000,000 | Apply | ||||
| MutualOne | 3.82% | 3.82% | $20,000 | $20,000 | Apply | |||
| Live Oak | 3.80% | 3.80% | $10 | Apply | ||||
| Quontic Money Market | 3.80% | 3.80% | $100 | Apply | ||||
| Openbank | 3.80% | 3.80% | $500 | Apply | ||||
| CFG | 3.80% | 3.80% | $1,000 | $1,000 | No | Apply | ||
| State Bank of Texas Jumbo Money Market | 3.76% | 3.76% | $100,000 | $100,000 | Apply | |||
| Bask | 3.75% | 3.75% | Apply | |||||
| Prime Alliance | 3.75% | 3.75% | Apply | |||||
| CIT Platinum | 3.75% | 3.75% | $100 | $5,000 | Apply | |||
| Axos | 3.75% | 3.75% | $250 | $25,000 | Apply | |||
| First Foundation Online Money Market | 3.75% | 3.75% | $1,000 | $5,000,000 | Apply | |||
| Brio Direct | 3.75% | 3.75% | $5,000 | $25 | No | Apply | ||
| mph Free | 3.75% | 3.00% | $2,000 | $50,000 | Apply | |||
 |
3.75% | 1.00% | $1,000 | $3 | $5,000 | Yes | Apply | |
| UMB Money Market | 3.71% | 3.71% | $100 | $10,000 | Apply | |||
| Huntington Relationship Money Market | 3.71% | 3.71% | $25,000 | $25,000 | $2,000,001 | Apply | ||
| All America Mega Money Market | 3.70% | 3.70% | $500 | $100,000 | Apply | |||
| Barclays Tiered | 3.65% | 3.65% | $250,000 | $1,000,000 | Apply | |||
| CIT Connect | 3.65% | 3.65% | $100 | Apply | ||||
| First Internet Money Market | 3.64% | 3.64% | $100 | $1,000,001 | Apply | |||
| ROGER | 3.61% | 3.61% | Apply | |||||
| Tab | 3.61% | 3.61% | Apply | |||||
| North American Savings Ultimate | 3.60% | 3.60% | $10,000 | $0 | $2,000,000 | Apply | ||
| Vio | 3.55% | 3.55% | $100 | Apply | ||||
| CIBC USA | 3.52% | 3.52% | $1,000 | $0 | $1,000,000 | Apply | ||
| Salem Five | 3.51% | 3.51% | $10 | $1,000,000 | Apply | |||
| Apple Savings | 3.50% | 3.50% | $250,000 | Apply | ||||
| Barclays Tiered | 3.50% | 3.50% | $1,000,000 | Apply | ||||
| E*Trade | 3.50% | 3.50% | Apply | |||||
| GalaxyOne | 3.50% | 3.50% | Apply | |||||
| Sallie Mae | 3.50% | 3.50% | Apply | |||||
| US Bank Smartly | 3.50% | 3.50% | $25 | $100,000 | Apply | |||
| Merchants Bank of IN | 3.50% | 3.50% | $50 | Apply | ||||
| Northern Bank Direct | 3.50% | 3.50% | $5,000 | $250,000 | Apply | |||
| Marcus by Goldman Sachs | 3.40% | 3.40% | Apply | |||||
| Valley Direct | 3.40% | 3.40% | $1 | Apply | ||||
| My Savings Direct | 3.35% | 3.35% | No | Apply | ||||
| Dollar Savings Direct | 3.35% | 3.35% | $1 | No | Apply | |||
 |
3.35% | 1.00% | $500 | $5,000 | $250,000 | Yes | Apply | |
| Barclays | 3.30% | 3.30% | $20,000,000 | Apply | ||||
 |
3.30% | 3.30% | Apply | |||||
| Public | 3.30% | 3.30% | Apply | |||||
| Synchrony | 3.30% | 3.30% | Apply | |||||
 |
3.30% | 3.30% | $1 | Yes | Apply | |||
| UFB High Yield | 3.26% | 3.26% | No | Apply | ||||
| VirtualBank eMoney Market | 3.25% | 3.25% | Apply | |||||
| Betterment | 3.25% | 3.25% | $10 | Apply | ||||
 |
3.25% | 1.50% | $300 | Apply | ||||
| BankPurely | 3.24% | 3.24% | $25,000 | $25,000 | Apply | |||
| iGObanking | 3.24% | 3.24% | $25,000 | $25,000 | Apply | |||
| Affirm | 3.20% | 3.20% | Apply | |||||
| Flagstar | 3.20% | 3.20% | $1 | $25,000 | Apply | |||
| Quontic High Yield | 3.20% | 3.20% | $100 | Apply | ||||
| American Express | 3.10% | 3.10% | Apply | |||||
| North American Savings Select III | 3.10% | 3.10% | $500 | $25,000 | Apply | |||
 |
3.10% | 1.00% | $1 | Yes | Apply | |||
| Ameriprise | 3.05% | 3.05% | $100 | $25,000 | Apply | |||
 Upgrade Performance |
3.05% | 1.50% | $1,000 | Apply | ||||
| Republic | 3.02% | 3.02% | $2,500 | Apply | ||||
 |
3.00% | 3.00% | Apply | |||||
| Ally Money Market | 3.00% | 3.00% | Apply | |||||
| BMO Alto | 3.00% | 3.00% | Apply | |||||
| CapitalOne | 3.00% | 3.00% | Apply | |||||
| Emigrant Direct | 3.00% | 3.00% | No | Apply | ||||
| Empower Personal Cash | 3.00% | 3.00% | Apply | |||||
| NBKC | 3.00% | 3.00% | $0 | Apply | ||||
| Citi | 3.00% | 3.00% | $500 | Apply | ||||
| ConnectOne | 3.00% | 3.00% | $2,500 | Apply | ||||
| FNBO Direct | 3.00% | 3.00% | $1 | $1,000,000 | Apply | |||
| Patriot | 3.00% | 3.00% | $100 | $500,000 | Apply | |||
| Citizens Access | 3.00% | 3.00% | $5,000 | $5,000 | Apply | |||
 |
3.00% | 1.25% | $200 | Yes | Apply | |||
 |
3.00% | 0.00% | $500 | $250,000 | Yes | Apply | ||
| All America Super Savers MMDA | 2.75% | 2.75% | $2,500 | $100,000 | Apply | |||
| Lake Ridge High Yield | 2.73% | 2.73% | $10,000 | Apply | ||||
| Credit Karma | 2.60% | 2.60% | Apply | |||||
| Northpointe Ultimate Money Market | 2.55% | 2.55% | $100 | $25,000 | $3,000,000 | Apply | ||
| North American Savings High Rate | 2.50% | 2.50% | $1 | $0 | $1,499,999 | Apply | ||
| Amalgamated | 1.05% | 1.05% | $100 | Apply | ||||
 |
1.00% | 0.00% | $1 | $25,000 | Apply | |||
| US Bank Standard | 0.05% | 0.05% | $25 | $300 | Apply | |||
| FNBO | 0.02% | 0.02% | Apply | |||||
| TD Simple | 0.02% | 0.02% | $300 | Apply | ||||
| Chase | 0.01% | 0.01% | $300 | Apply | ||||
| Fifth Third | 0.01% | 0.01% | $500 | Apply | ||||
| Wells Fargo Way2Save | 0.01% | 0.01% | $25 | $300 | Apply | |||
| Regions | 0.01% | 0.01% | $50 | $300 | Apply | |||
| Truist One | 0.01% | 0.01% | $50 | $300 | Apply | |||
| Industrial | 0.01% | 0.01% | $100 | Apply | ||||
| Bank of America | 0.01% | 0.01% | $100 | $500 | Apply |
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