Curated by our team

Top High-Yield Savings Accounts

Our team's curated picks for where to park cash right now — accounts that pay many times the national average, with everyday access and FDIC insurance up to the legal limit.

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  1. Our #1 Savings Pick

    Best overall

    SoFi Checking & Savings

    A high-yield savings and checking combo with a welcome bonus for direct deposit.

    • High-yield savings with an APY boost for direct deposit
    • Welcome bonus scaled to your direct deposit
    • Earns interest on checking, too
    • Buckets to organize your savings goals
    See SoFi Checking & Savings

  2. Best for a cash boost

    Betterment Cash Reserve

    A high-yield cash account from a name you know, with a new-customer boost.

    • New-customer APY boost for the first few months
    • Unlimited fee-free withdrawals on cash
    • No minimum balance to get started
    • Pairs with Betterment's investing tools
    See Betterment Cash Reserve

  3. Best for higher balances

    CIT Bank Platinum Savings

    A competitive rate with a promo-code boost and no monthly fees.

    • Promo-code APY boost for new savers
    • No transaction limits — use it like checking
    • Low minimum to open
    • No monthly service fees
    See CIT Bank Platinum Savings

The full guide to high-yield savings

Top high-yield savings accounts (HYSAs) pay many times the national average, with the same everyday access to your money and FDIC insurance up to the legal limit. The picks above are our curated shortlist — the guide below is how to think about choosing for yourself.

Top HYSA rates this month

Rates move with the Fed and change often — the table above is the live source of truth. Swap the src for the real rate-table embed when it's ready.

What to look for in a HYSA

Move your emergency fund into one of these and let it earn while it sits.

Educational content only — not financial advice. We may earn a commission from partners we link to. Verify current rates with the bank before you open an account.