Best Joint High Yield Savings Accounts For Homebuyers
By: Conor Keenan, AWMA®
Editorial Independence: Our recommendations and reviews are our own. Partner commissions may help keep our site free and do not influence our editorial content.
Your savings could earn 8 - 10x the national average APY of 0.38%. These are the same vetted accounts we trust with our own families’ money. See the full list & choose the right one for you to start earning more.
SoFi®
Checking and Savings
Joint account availableBest for couples who want bonus + earning potential
With qualifying activities.
- $0 minimum to open
- Limited Time Offer: +1.10% boost to 4.40% for up to six months. Terms apply.8
- Bonus Offer: Earn $50 or $400 with direct deposit, terms apply1
- No monthly service fees3
SoFi Bank, N.A., Member FDIC
Western Alliance Bank®
High-Yield Savings Account
Joint account availableBest for a straightforward APY with no rate tiers
Earn the advertised APY across the entire account balance.
- $1 minimum to open
- No account fees
- Individual and joint accounts available
- U.S.-based customer service
- Ranked #1 Best Bank in Arizona – Forbes 2026
- Ranked as a top U.S. bank by American Banker & Bank Director since 2016
- $25K+ Deposit? Earn between $100 - $1,000 cash bonus with promo code STACK
- FDIC insurance up to $250k for individual accounts
- Deposits held by Western Alliance Bank, Member FDIC
Western Alliance Bank, Member FDIC
American Express®
High Yield Savings Account
Joint account availableBest for couples who prefer a familiar financial brand
- $0 minimum to earn APY1
- $0 minimum to open2
- 24/7 customer service
- Backed by the World-Class Service & Reliability of American Express®
Member FDIC
Synchrony®
High Yield Savings
Joint account availableBest for couples who want an ATM card
Interest compounded daily.
- $0 minimum initial deposit
- No monthly fees
- Trusted Fortune 500 Bank with Nationwide Reach Serving Millions of Customers
- Optional ATM card and reimburses up to $5 per month in out-of-network ATM fees.
CIT Bank®
Platinum Savings
Joint account availableBest for couples who already have $5,000+ saved
Earn the advertised APY on balances of $5,000 or more.
- $5,000 balance for advertised APY
- No monthly service fees
- Mobile app and online banking
- Remote check deposit and easy transfers
- Terms apply
Member FDIC
Chase Bank
Chase Savings
Joint account availableIncluded as a traditional-savings comparison
Substantially below the high-yield accounts above.
- $300 balance to avoid the service fee
- Monthly service fee up to $5
- $3 Chase fee per withdrawal at non-Chase ATMs in the U.S.; ATM-owner fees may also apply.
- Potential missed interest A low APY could mean thousands of dollars less in interest over time, depending on your balance & the rates available elsewhere.
These accounts are perfect for starting, rebuilding, or growing your savings.
No matter where you are in your savings journey, the best thing to do is to start and to be consistent.
You got this!
To recap our recommendations.
Best Savings Accounts According To CompareAccounts™
SoFi® Checking and Savings: 4.40% APY & Earn up to $400 with qualifying activities
American Express® High Yield Savings Account: 3.20% APY as of November 13, 2026
American Express® High Yield Savings Account: 3.20% APY as of November 13, 2026
CIT Bank® Platinum Savings Account: 3.75% APY
*National Savings Rate Average as published by FDIC
Important information
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