Compare savings accounts with provider sources, dated APYs, and clearly labeled qualification requirements.
Latest provider check 2026-09-28; dates vary by account. These are dated observations, not a live feed. Variable APYs can change. Listed accounts are a selection of the market; eligibility and deposit insurance limits apply. Explore check history and download the data · How we compare.
| Account | Observed APY | Conditions and source |
|---|---|---|
| Happen Bank LevelUp Savings (formerly LendingClub) | 4.20% | 4.20% LevelUp APY requires at least $250 in deposits during the evaluation period; otherwise the standard APY is 3.00%. No minimum opening deposit.Checked 2026-09-28Provider terms ↗ |
| Bask Interest Savings | 4.15% | No minimum balance or monthly account fees. Rate is variable and the account should be funded within 15 business days under the provider disclosure.Checked 2026-09-28Provider terms ↗ |
| Bread Savings High Yield Savings | 3.95% | $100 minimum opening balance. Interest accrues and compounds daily; no hidden fees are listed on the product selection page.Checked 2026-09-28Provider terms ↗ |
| CIT Platinum Savings | 3.75% | 3.75% APY requires a balance of $5,000 or more; balances below that tier earn 0.25%. Variable rate; no opening or monthly service fee is listed.Checked 2026-09-28Provider terms ↗ |
| Marcus Online Savings Account | 3.50% | Standard variable APY. No fees or minimum deposit; temporary referral boosts excluded.Checked 2026-09-23Provider terms ↗ |
| SoFi Checking and Savings | 3.10% | The standard observed savings APY requires eligible direct deposit or qualifying deposits; SoFi Plus and temporary boosts are excluded. Rates are variable and the provider rate sheet controls.Checked 2026-09-28Provider terms ↗ |
| Ally Bank Savings | 3.00% | No minimum opening deposit or monthly maintenance fee. Certain withdrawals limited to 10 per statement cycle.Checked 2026-09-23Provider terms ↗ |
| CIT Savings Connect | Check provider | $100 to open; no account opening or maintenance fee is listed. The current numeric APY was not independently confirmed in this check.Checked 2026-09-28Provider terms ↗ |
| Synchrony High Yield Savings | Check provider | No minimum deposit, no minimum balance and no monthly fees are listed. APYs are variable and may change after opening; a current numeric APY was not exposed in the official page content used for this check.Checked 2026-09-28Provider terms ↗ |
| American Express High Yield Savings | Check provider | No minimum balance is required to open, avoid fees or obtain the disclosed APY. The APY is variable; the current numeric rate was not independently confirmed in this check.Checked 2026-09-28Provider terms ↗ |
| Capital One 360 Performance Savings | Check provider | No monthly service charge and no minimum balance are listed. The provider page displayed a nonnumeric APY placeholder during this check, so the rate remains unconfirmed.Checked 2026-09-28Provider terms ↗ |
| Discover Online SavingsClosed to new applicants | Check provider | Not offered to new applicants. Existing customers should follow their account notices; new customers can compare current Capital One or other account terms.Checked 2026-09-28Provider terms ↗ |
Compare transfer timing, holds, minimum balances, and fees. Keep enough in your payment account for bills while transfers clear. A slightly higher rate is less useful if the withdrawal process does not fit your needs.
Ally savings: access and toolsSeparate a standard variable APY from a temporary boost or a rate requiring recurring deposits. Compare the rate your own balance qualifies for. An extra 0.25 percentage points on $10,000 is about $25 over a year if the rates stay unchanged.
Marcus savings: fees and conditionsCompare flexible savings with a CD whose term matches your planned expense. Check early-withdrawal conditions before locking funds away, and use the same starting balance and time period for both options.
Compare HYSA versus CDCheck the institution in FDIC BankFind. Standard coverage is $250,000 per depositor, per insured bank, per ownership category; separate accounts at the same bank do not automatically create additional coverage. FDIC coverage guidance.
A higher headline APY may require a larger balance, recurring deposits, or a limited promotion. Compare what your actual balance qualifies for. Keep money needed for everyday payments accessible, and check transfer limits before moving an emergency fund.
Savings by state · Compare certificates of deposit · Sources and methodology