Best High-Yield Savings Accounts of June 2026
Rates as of June 28, 2026.
A high-yield savings account pays many times more than a typical bank savings account while keeping your money safe and FDIC insured. These are the strongest options right now, ranked on yield, fees, minimums, and how easy each account is to use. Tap the APY heading to re-sort the table.
| # | Account | APY ⇅ | Min. to open | Monthly fee | Rating | |
|---|---|---|---|---|---|---|
| 1 | SoFi Checking and SavingsTop all-around pick. No fees, strong app, and a sign-up bonus with direct deposit. | 4.20%APY | $0 | None | 4.8out of 5 | Open account |
| 2 | CIT Bank Platinum SavingsHighest headline rate here. The top APY needs a $5,000 balance. | 4.35%APY | $100 | None | 4.5out of 5 | Open account |
| 3 | Bread SavingsConsistently high rate. No frills, just yield. | 4.30%APY | $100 | None | 4.3out of 5 | Open account |
| 4 | Marcus by Goldman SachsReliable and simple, with well-reviewed customer service. | 4.10%APY | $0 | None | 4.6out of 5 | Open account |
| 5 | Synchrony High Yield SavingsStrong rate plus an optional ATM card, which is rare for savings. | 4.05%APY | $0 | None | 4.4out of 5 | Open account |
| 6 | Ally Online SavingsExcellent app and a buckets feature for organizing goals. | 4.00%APY | $0 | None | 4.7out of 5 | Open account |
| 7 | American Express High Yield SavingsTrusted name, easy setup, no minimums. | 4.00%APY | $0 | None | 4.5out of 5 | Open account |
| 8 | Wealthfront Cash AccountHigh rate plus broad FDIC coverage through partner banks. | 4.00%APY | $1 | None | 4.4out of 5 | Open account |
| 9 | Capital One 360 Performance SavingsBranches and cafes if you ever want in-person help. | 3.90%APY | $0 | None | 4.5out of 5 | Open account |
| 10 | Discover Online SavingsNo account fees of any kind and 24/7 US-based support. | 3.90%APY | $0 | None | 4.4out of 5 | Open account |
How we picked these
We weighed four things: the ongoing APY rather than a teaser rate, monthly fees, the minimum needed to open and to earn the top rate, and how easy the account is to use day to day. No paid relationship changes a rating or a ranking. Every rate is checked against the bank's own disclosures and stamped with the date above.
DollarFlourish is a personal finance publisher, not a bank or a financial advisor. APYs are variable and set by each institution. Confirm current terms on the bank's own site before you apply.
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