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Best High Yield Savings Accounts: Our Top 3 Choices.

Conor Keenan By: | Updated: November 13, 2026 | We check the rates shown against the providers’ published information. Rates and terms can change. Use the links below to visit each provider’s website for current rates, requirements, and full offer details.
Accredited Wealth Management Advisor® designee with 10+ years covering banking & investing. His work has appeared in The Wall Street Journal, Reuters & Yahoo Finance.

Editorial Independence: Opinions, recommendations, and reviews are our own. Partner commissions help keep our site free. They do not influence our editorial content.

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You're in the right place. Every day, we help thousands of serious savers earn more than the 0.38% national average APY. Simply by opening a new high yield savings account below your money could grow 8x – 10x faster. 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.

To recap our recommendations.

Best Savings Accounts According To CompareAccounts™

SoFi® Checking and Savings: 4.40%​ APY & Earn up to $400 with qualifying activities

Western Alliance Bank® High Yield Savings Account: 4.30% APY - 90 Day Rate Lock

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

Synchrony Bank High Yield Savings Account: 3.75% APY

CIT Bank® Savings Connect Account: 3.65% APY

The State Exchange Bank High Yield Savings Account: 2.51% APY

What is the Best High Yield Savings Account?

Ultimately, the "best" high yield savings account depends on your needs. Therefore, its probably best to focus on "which is the right one for you" and that one will be the best for you.

For example, if you already have a banking relationship that offers an APY that's as high as the offers on this page, you may want to look there first.

Whereas, if you have a bad relationship with your current bank and are looking to move your checking account, then a checking and savings account may be best for you.

Additionally, if you are happy with your checking account but your bank offers 0.01% APY on their savings account, opening one of the accounts on this list with a higher APY may be the right move.

This is why we exist, it's to help people compare their options and find the right bank account for their needs.

The savings account that fits your needs, that's the best account for you.

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STILL COMPARING?

A cash bonus.
A savings boost.

Explore SoFi Checking and Savings.

Up to $400 Cash bonus
with Direct Deposit①
Boost to 4.40% APY For up to 6 months
with Eligible Direct Deposit

Limited Time Offer: +1.10% boost on new accounts with Eligible Direct Deposit.

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On SoFi's Secure Site Member FDIC

① Bonus eligibility and Direct Deposit requirements apply. APY is variable. See SoFi for full offer terms.