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 13, 2026 | By FinanceBuzz Editors

Most Popular

2026 AWARD WINNER Best Online Checking

SoFi Checking and Savings

5.0

Learn More on SoFi's secure website, Member FDIC

Bonus Offer

Up to $400

Minimum Opening Balance

Monthly Fee

Why We Like It

Limited-Time Offer: Earn a $50 or $400 bonus with eligible direct deposit, and up to 3.80% APY on Savings (3.10% APY² New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a> with +0.70% APY Boost) for up to 6 months on new accounts. Terms Apply.³ Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 12/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.
No account, overdraft, or monthly fees⁴ We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a>.
Get your paycheck up to two days early with direct deposit⁵ Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
Access additional FDIC insurance up to $3 million⁶ SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.
Trustpilot Rating: "Great" 4.2/5

Learn More on SoFi's secure website, Member FDIC

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 savings⁷ 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

2026 AWARD WINNER Best Overall High-Yield Savings Account

CapitalOne 360 Performance Savings

4.9

Learn More on Capital One's secure website, Member FDIC

APY

3.00%

Minimum Balance for APY

Bonus Offer

N/A

Why We Like It

Got about 5 minutes? That’s all the time it takes to open an account.
There are no monthly fees to get between you and your money. Zero never sounded so good.
With 24/7 access to your account, you can bank on your own schedule.

Learn More on Capital One'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

Bank⁸ 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.⁹ 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 banks¹⁰ Your first deposit may take longer depending on your employer. - and earn up to 3.25% interest on Savings¹¹ 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

Compare Today's Top High-Yield Savings Accounts

Bank/Institution	APY Annual Percentage Yield	Bonus Offer	Open Account	Bonus Offer
2026 AWARD WINNER Best Checking and Savings Combo
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.	3.80 % APY With $0 min. balanceEarn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 12/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.	Limited-Time Offer: +0.70% boost on Savings APY to up to 3.80% for up to 6 months on new accounts³ <p>Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 12/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> + $50 or $400 Bonus with eligible direct deposit.² <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> Terms apply.	Learn More on SoFi's secure website Member FDIC	Limited-Time Offer: +0.70% boost on Savings APY to up to 3.80% for up to 6 months on new accounts³ <p>Earn up to 3.80% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.10% APY) for up to 6 months. Open a new SoFi Checking & Savings account with Eligible Direct Deposit by 12/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> + $50 or $400 Bonus with eligible direct deposit.² <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> Terms apply.
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. balance⁷ <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	-
2026 AWARD WINNER Best Overall High-Yield Savings Account
4.9 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.	3.00 % APY With $0 min. balance¹² <span>A rate of 3.00% Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 06/02/2026. Rates are subject to change at any time before or after account opening. The 360 Performance Savings account has no monthly cycle service charge and no minimum balance required to open or maintain the account.</span>	N/A	Learn More on Capital One's secure website Member FDIC	N/A
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 deposits¹¹ <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	-

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 Overall High-Yield Savings Account

4.9

Got about 5 minutes? That’s all the time it takes to open an account.
There are no monthly fees to get between you and your money. Zero never sounded so good.
With 24/7 access to your account, you can bank on your own schedule.

Learn More

on Capital One's secure website

Why They Won

Whether you’re setting funds aside for a rainy day or for something specific like an upcoming vacation, it can be reassuring to be able to access your funds through a branch or online. Capital One 360 Performance Savings offers both options with a solid APY of 3.00% A rate of 3.00% Annual Percentage Yield (APY) applies to all account balances. Advertised rates are variable and effective as of 06/02/2026. Rates are subject to change at any time before or after account opening. The 360 Performance Savings account has no monthly cycle service charge and no minimum balance required to open or maintain the account.. And it does that with no monthly service fees and a highly-rated mobile app.

If you like all your accounts in one spot, you can combine it with Capital One 360 Checking — which won our award for best overall checking account — or Capital One CDs, credit cards, and auto loans. It’s an excellent fit if you’re looking for a central location for all your personal finance needs.

2026 AWARD WINNER Best Account for Consistent Savers

4.8

4.00% APY¹³ 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. LevelUp Rate applies to first two statement cycles. Rates variable & subject to change at any time. See terms: <a href="https://www.happen.com/legal/deposits/levelup-savings-t-and-cs" >https://www.happen.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.