Earn Up to 4.10% APY With The Best High-Yield Savings Accounts of June 2026

High-yield savings accounts offer a simple way to grow your savings faster, with rates up to 4.10% APY (annual percentage yield)¹ — as much as 10x the national average rate. Compare today's top offers from our partners.

Last updated June 1, 2026 | By FinanceBuzz Editors

Synchrony Bank High Yield Savings

5.0

Learn More on Synchrony's secure website, Member FDIC

APY

3.40%

Minimum Balance for APY

Bonus Offer

N/A

Why We Like It

Earn 3.40% APY on your savings² Annual Percentage Yield (APY) is subject to change at any time without notice. Rate accurate as of 4/21/2026. Offer applies to personal accounts only. Fees may reduce earnings. For High Yield Savings accounts, the rate may change after the account is opened. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
Let your money work for you with great rates: count on it. Open a High Yield Savings account with Synchrony today. Member FDIC.
Savings products with competitive rates, no required minimum balances, and no monthly fees.
Save easy with Synchrony Bank. Our app makes it a snap to bank anywhere; manage accounts from your smartphone or tablet.

Learn More on Synchrony's secure website, Member FDIC

CIT Bank Platinum Savings

4.3

Learn More on CIT Bank's secure website, Member FDIC

APY

4.10%

Minimum Balance for APY

$5,000

Bonus Offer

6-Month APY Boost

Why We Like It

Limited-Time Offer: Earn up to 4.10% APY (3.75% APY³ Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of Jan. 09 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100. with +0.35% APY Boost) on balances of $5,000 or more for up to 6 months.⁴ *This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends June 30, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice. Enter code CITBoost to qualify. $100 minimum opening deposit.
No account opening or monthly services fees⁵ For complete list of account details and fees, see our <a href="https://www.cit.com/cit-bank/resources/forms">Personal Account disclosures</a>.
Enjoy unlimited transfers and withdrawals each month (many savings accounts have monthly limits)

Learn More on CIT Bank's secure website, Member FDIC

Cash App

4.2

Learn More on Cash App's secure site, FDIC Insured

APY

3.25%

Minimum Balance for APY

Bonus Offer

N/A

Why We Like It

Bank⁶ Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand. without all the fees — save, send and spend your money the way you want.⁷ Your balance is eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, and not an FDIC-insured bank. Prepaid debit cards issued by Sutton Bank, Member FDIC. See <a href="https://cash.app/legal/us/en-us/card-agreement">terms and conditions</a>.
Get paid up to 2 days early - up to 2 days earlier than most banks⁸ Your first deposit may take longer depending on your employer. - and earn up to 3.25% interest on Savings⁹ Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See <a href="https://cash.app/legal/us/en-us/tos">Terms and Conditions</a> for more information.To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify.If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.
No hidden fees, minimum balance, or account fees
4.8/5 stars on the App Store, “Excellent” rating on Trustpilot

Learn More on Cash App's secure site, FDIC Insured

2026 AWARD WINNER Best Account for Consistent Savers

LendingClub LevelUp Savings

4.8

Learn More on LendingClub's secure website

APY

4.00%

Minimum Balance for APY

$250+ monthly deposits

Bonus Offer

N/A

Why We Like It

4.00% APY¹⁰ LevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. Rates variable & subject to change at any time. See terms: <a href="https://www.lendingclub.com/legal/deposits/levelup-savings-t-and-cs">https://www.lendingclub.com/legal/deposits/levelup-savings-t-and-cs</a> when you make $250+ deposits per month.
10x the national average.
No fees - Keep more of your money with no account fees and free transfers.
$0 minimum balance - No minimum to open or minimum balances required.

Learn More on LendingClub's secure website

Compare Today's Top High-Yield Savings Accounts

Bank/Institution	APY Annual Percentage Yield	Bonus Offer	Open Account	Bonus Offer
5.0 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	3.40 % APY With $0 min. balance² <p>Annual Percentage Yield (APY) is subject to change at any time without notice. Rate accurate as of 4/21/2026. Offer applies to personal accounts only. Fees may reduce earnings. For High Yield Savings accounts, the rate may change after the account is opened. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.</p>	-	Learn More on Synchrony's secure website Member FDIC	-
4.3 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	4.10 % APY With $5,000 min. balance³ <p>Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of Jan. 09 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.</p>	Limited-Time Offer: Earn up to 4.10% APY (3.75% APY³ <p>Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of Jan. 09 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.</p> with +0.35% APY Boost) on balances of $5,000 or more for up to 6 months.⁴ <p>*This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends June 30, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice.</p> Enter code CITBoost to qualify. $100 minimum opening deposit.	Learn More on CIT Bank's secure website Member FDIC	Limited-Time Offer: Earn up to 4.10% APY (3.75% APY³ <p>Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of Jan. 09 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.</p> with +0.35% APY Boost) on balances of $5,000 or more for up to 6 months.⁴ <p>*This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends June 30, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice.</p> Enter code CITBoost to qualify. $100 minimum opening deposit.
4.2 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	3.25 % APY With $300 monthly deposits⁹ <p>Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 of Qualifying Deposits per month. Eligibility restrictions apply to some benefits. See <a href="https://cash.app/legal/us/en-us/tos">Terms and Conditions</a> for more information.</p><p>To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card, or sponsor one or more sponsored accounts, and qualify for Cash App Green or (b) have a sponsored account with sponsor approval. Customers can qualify for Cash App Green by spending $500 in Qualifying Purchases using your Cash App Card or Cash App Pay per month, or by depositing $300 in Qualifying Deposits per month. See terms and conditions for more information on how to qualify.</p><p>If you are signed up to earn interest, Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. Exceptions may apply. Savings yield rate is subject to change.</p>	-	Learn More on Cash App's secure site FDIC Insured	-
2026 AWARD WINNER Best Account for Consistent Savers
4.8 FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment. Our partners do not influence our ratings.	4.00 % APY With $250+ monthly depositsLevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. Rates variable & subject to change at any time. See terms: https://www.lendingclub.com/legal/deposits/levelup-savings-t-and-cs	N/A	Learn More on LendingClub's secure website Member FDIC	N/A

Award-Winning Favorites

Not all savings accounts are created equal. The FinanceBuzz 2026 Best of Banking Awards recognize institutions delivering exceptional value, innovation, and customer experience — so you can skip the research and open an account you can trust.

2026 AWARD WINNER Best Account for Consistent Savers

4.8

4.00% APY¹⁰ LevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. Rates variable & subject to change at any time. See terms: <a href="https://www.lendingclub.com/legal/deposits/levelup-savings-t-and-cs">https://www.lendingclub.com/legal/deposits/levelup-savings-t-and-cs</a> when you make $250+ deposits per month.
10x the national average.
No fees - Keep more of your money with no account fees and free transfers.
$0 minimum balance - No minimum to open or minimum balances required.

Learn More

on LendingClub's secure website

Online High-Yield Savings 101

What should I consider when choosing a new savings account?
When picking a new savings account, there are a few key things to consider, like the APY (annual percentage yield) they offer or the fees they charge. And remember, you don’t have to stick with just one account — opening different accounts can help you get the best rates and ensure your money is protected up to the legal limit.

Get started with our most popular savings account option

Is my money safe in an online savings account?
Money in an online savings account is covered by protections as long as the account provider is FDIC insured, and virtually all major banks are. You'll typically see it stated as "member FDIC."

FDIC stands for Federal Deposit Insurance Corporation. The FDIC insurance covers accounts up to $250,000 accounts up to $250,000, so if your bank goes under financially, you will still get back all your money, up to that amount. The National Credit Union Administration provides similar insurance for credit unions.

Learn more about today's top online savings account pick

What is a good interest rate for an online savings account?
Savings account interest rates vary from bank to bank and over time. The FDIC indicates the national average interest rate for savings accounts is 0.38% (as of 4/20/26) APY. That means if you see an account with a higher interest rate, it would allow you to beat the average.

View Bonus & APY Details for our most recommended savings account

What do I need to have to open an online savings account?
Requirements to open an online savings account vary by the financial institution. You generally need to provide your full name, address, contact details, and a Social Security number. Some banks also require you to provide your driver's license information. If you are planning to fund the new account with money from a different bank or credit union, you will also need that account information.

How do I deposit or withdraw money from an online savings account?
The process for depositing and withdrawing money from online savings accounts varies by bank or credit union. Generally, you can fund an online savings account via electronic transfer from another bank account, by direct deposit, or by depositing a check. Withdrawals can generally also be completed by bank-to-bank transfer, or you may be able to request a check or use a debit card if your bank allows it.

Learn more about the current deposit bonus offered by our most popular savings account option

How we chose these products

FinanceBuzz evaluated a selection of bank accounts offered by our partners, looking at various criteria including interest rates, minimum deposit requirements, and more. We did not review all products in the category and compensation was considered when evaluating and ordering the products.