{"source":"HYSA Compare","sourceUrl":"https://hysacompare.com","license":"CC-BY 4.0 (attribution required)","citation":"HYSA Compare (https://hysacompare.com), accessed 2026-04-16T19:12:51.552Z","methodology":"https://hysacompare.com/en/methodology","lastGeneratedAt":"2026-04-16T19:12:51.553Z","count":18,"banks":[{"slug":"varo","bankName":"Varo Bank","productName":"Varo Savings Account","type":"NEOBANK","apy":5,"apyTier":"on first $5,000 with qualifying activity","insuredBy":"FDIC","fdicCertificate":"59190","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.2,"editorVerdict":"Varo offers the highest headline APY on our list, but the conditions are strict: you need direct deposit, qualifying debit card spend, and the rate only applies to the first $5,000. For users who can meet those conditions on a small emergency fund, Varo is mathematically the best option. For larger balances, look elsewhere.","pros":["5.00% APY tier — highest on the list","Mobile-first experience","No fees"],"cons":["Bonus tier capped at first $5,000","Requires direct deposit AND debit card use to qualify","Lower APY on balances over $5k"],"websiteUrl":"https://www.varomoney.com/savings-account/","detailUrl":"https://hysacompare.com/en/banks/varo","lastVerifiedAt":"2026-04-13"},{"slug":"brio","bankName":"BrioDirect","productName":"BrioDirect High-Yield Savings","type":"BANK","apy":4.85,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"57053","ncuaCharter":null,"minOpeningDeposit":5000,"minBalanceForApy":25,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":false,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.4,"editorVerdict":"BrioDirect currently leads the pack on APY in April 2026, and it has been at or near the top for over a year — this is not a teaser rate that disappears in 90 days. The catch is the $5,000 minimum opening deposit, which makes this a poor fit for someone just starting their emergency fund.","pros":["Highest APY on our list","Backed by Webster Bank","No monthly fee"],"cons":["$5,000 minimum opening deposit","No checking, no ATM"],"websiteUrl":"https://www.briodirect.com/","detailUrl":"https://hysacompare.com/en/banks/brio","lastVerifiedAt":"2026-04-06"},{"slug":"ufb","bankName":"UFB Direct","productName":"UFB Secure Savings","type":"BANK","apy":4.57,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"34519","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4,"editorVerdict":"UFB Direct is one of the rate leaders and includes an ATM card, which is unusual. Our concern is customer service — UFB has had mixed reviews in third-party surveys. If you are confident you will not need much hand-holding, the math works in your favor.","pros":["High APY across all balance tiers","ATM card included","Backed by Axos Bank"],"cons":["Customer service rated below average historically","Account opening UX is dated"],"websiteUrl":"https://www.ufbdirect.com/","detailUrl":"https://hysacompare.com/en/banks/ufb","lastVerifiedAt":"2026-04-06"},{"slug":"lendingclub","bankName":"LendingClub Bank","productName":"LendingClub LevelUp Savings","type":"BANK","apy":4,"apyTier":"with $250+ in monthly deposits","insuredBy":"FDIC","fdicCertificate":"32551","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.3,"editorVerdict":"LendingClub LevelUp is a clever product — the bonus tier is unlocked with just $250/month in deposits, which is achievable for almost anyone. For accumulators (people building savings, not draining them), this is one of the best structures on the market.","pros":["No fees, no minimum balance","ATM access","High APY tier with modest monthly deposit"],"cons":["Top APY requires $250/mo in deposits","Newer banking division"],"websiteUrl":"https://www.lendingclub.com/personal-savings/high-yield-savings","detailUrl":"https://hysacompare.com/en/banks/lendingclub","lastVerifiedAt":"2026-04-13"},{"slug":"bread","bankName":"Bread Savings","productName":"Bread Savings High-Yield Savings","type":"BANK","apy":4,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"57293","ncuaCharter":null,"minOpeningDeposit":100,"minBalanceForApy":100,"monthlyFee":0,"hasMobileApp":false,"hasAtmAccess":false,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.1,"editorVerdict":"Bread Savings is bare-bones and proud of it. There is no mobile app, no checking, no ATM — just a savings account with a competitive APY. For savers who want to \"set and forget\" without temptation to spend, the lack of features is a feature.","pros":["Strong APY, consistently top-10","Backed by Comenity Capital Bank","Simple, no-frills product"],"cons":["No mobile app — web only","$100 minimum to open and earn APY"],"websiteUrl":"https://www.breadsavings.com/","detailUrl":"https://hysacompare.com/en/banks/bread","lastVerifiedAt":"2026-04-13"},{"slug":"cit","bankName":"CIT Bank","productName":"CIT Platinum Savings","type":"BANK","apy":3.75,"apyTier":"on balances over $5,000","insuredBy":"FDIC","fdicCertificate":"58978","ncuaCharter":null,"minOpeningDeposit":100,"minBalanceForApy":5000,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":false,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.3,"editorVerdict":"CIT Platinum has a tiered structure that rewards larger savers. If you can keep $5,000+ in the account, the APY is among the best on this list. Below that threshold the rate drops sharply, so it is not a good fit for emergency funds being actively built up.","pros":["High APY for larger balances","No monthly fees","FDIC insured"],"cons":["Minimum $5,000 balance to earn the headline APY","Lower APY for balances under $5k"],"websiteUrl":"https://www.cit.com/cit-bank/bank/platinum-savings","detailUrl":"https://hysacompare.com/en/banks/cit","lastVerifiedAt":"2026-04-13"},{"slug":"bask","bankName":"Bask Bank","productName":"Bask Interest Savings","type":"BANK","apy":3.75,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"17313","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":false,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.5,"editorVerdict":"Bask is one of the rate leaders right now and has been consistently aggressive on APY since launch in 2020. The Mileage Savings variant is genuinely unique — you can earn American Airlines miles instead of interest. For pure cash yield, Bask is currently in our top 3.","pros":["One of the highest APYs on the market","Backed by Texas Capital Bank (FDIC since 1998)","Optional Mileage Savings product (American Airlines miles instead of cash interest)"],"cons":["Newer brand — less name recognition","No checking, no ATM"],"websiteUrl":"https://www.baskbank.com/","detailUrl":"https://hysacompare.com/en/banks/bask","lastVerifiedAt":"2026-04-13"},{"slug":"marcus","bankName":"Marcus by Goldman Sachs","productName":"Marcus Online Savings Account","type":"BANK","apy":3.65,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"33124","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":false,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.5,"editorVerdict":"Marcus is the conservative choice. It does not have the absolute highest APY on the market, but it is consistently within the top tier and is backed by one of the most established financial institutions in the world. For savers who prioritize stability over chasing rates, this is our recommended option.","pros":["Backed by Goldman Sachs","No fees, no minimums","Strong app and customer service reputation"],"cons":["No ATM access — savings only","Slower transfer times than some competitors"],"websiteUrl":"https://www.marcus.com/us/en/savings/high-yield-savings","detailUrl":"https://hysacompare.com/en/banks/marcus","lastVerifiedAt":"2026-04-13"},{"slug":"synchrony","bankName":"Synchrony Bank","productName":"Synchrony High Yield Savings","type":"BANK","apy":3.5,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"27314","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.2,"editorVerdict":"Synchrony is the only top-10 HYSA on our list that ships with an ATM card by default — useful if you want true cash access from a savings account. APY is competitive but not category-leading.","pros":["ATM card available (rare for online savings)","No minimums or fees","Established institution"],"cons":["No checking account integration","Customer service quality is mixed"],"websiteUrl":"https://www.synchronybank.com/banking/high-yield-savings/","detailUrl":"https://hysacompare.com/en/banks/synchrony","lastVerifiedAt":"2026-04-13"},{"slug":"barclays","bankName":"Barclays Bank Delaware","productName":"Barclays Online Savings","type":"BANK","apy":3.5,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"57203","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":false,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.3,"editorVerdict":"Barclays is a quietly excellent option that does not get the marketing attention of SoFi or Marcus. APY is consistently within 10-20bps of the leaders, and the institution is well-capitalized. Worth considering if you want a non-U.S.-headquartered bank exposure.","pros":["No fees, no minimums","International brand recognition","Strong APY"],"cons":["Slower account opening process than competitors","No checking integration"],"websiteUrl":"https://www.banking.barclaysus.com/online-savings.html","detailUrl":"https://hysacompare.com/en/banks/barclays","lastVerifiedAt":"2026-04-13"},{"slug":"sofi","bankName":"SoFi Bank","productName":"SoFi Checking and Savings","type":"NEOBANK","apy":3.3,"apyTier":"with direct deposit","insuredBy":"FDIC","fdicCertificate":"59458","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.7,"editorVerdict":"SoFi remains one of our highest-rated picks for everyday savers in April 2026. The headline APY is gated behind a recurring direct deposit requirement, but for anyone who can route their paycheck through SoFi, it is one of the best risk-adjusted yields available from a fully insured U.S. institution. The bundled checking-and-savings product means you get a high APY without needing to maintain a separate account elsewhere.","pros":["No fees of any kind","No minimum balance to earn APY","FDIC insurance up to $2M via partner network","Same-day direct deposit (up to 2 days early)"],"cons":["Top APY requires qualifying direct deposit","No physical branches"],"websiteUrl":"https://www.sofi.com/banking/","detailUrl":"https://hysacompare.com/en/banks/sofi","lastVerifiedAt":"2026-04-13"},{"slug":"wealthfront","bankName":"Wealthfront (Brokerage Cash)","productName":"Wealthfront Cash Account","type":"BROKERAGE_CASH","apy":3.3,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":null,"ncuaCharter":null,"minOpeningDeposit":1,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":true,"compoundingFrequency":"monthly","editorRating":4.7,"editorVerdict":"Wealthfront's Cash Account is technically a brokerage sweep product, not a bank account. Funds are deposited at a network of partner banks, and FDIC coverage applies through each of those banks individually — not through Wealthfront, which is a brokerage. The practical experience is identical to a HYSA, and the pass-through coverage ceiling is the highest on this list. If you have over $250k in cash, Wealthfront is the cleanest way to keep it fully insured in one place.","pros":["Up to $8M FDIC insurance via partner-bank network (sweep coverage)","Unlimited transfers (not subject to old Reg D limits)","Instant transfers to Wealthfront investing accounts","Check writing and debit card included"],"cons":["Brokerage cash sweep — FDIC coverage is via partner banks, not Wealthfront itself","APY can change without notice"],"websiteUrl":"https://www.wealthfront.com/cash","detailUrl":"https://hysacompare.com/en/banks/wealthfront","lastVerifiedAt":"2026-04-13"},{"slug":"discover","bankName":"Discover Bank","productName":"Discover Online Savings Account","type":"BANK","apy":3.3,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"5649","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":false,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.1,"editorVerdict":"Discover is solid but no longer at the top of the rate league. We still recommend it for savers who already have a Discover credit card and want everything in one place. Otherwise, SoFi or Marcus offer 40-60bps more for similar terms.","pros":["No fees of any kind","Established U.S. bank with long track record","Strong customer service ratings"],"cons":["APY trails the market leaders","No checking integration without separate account"],"websiteUrl":"https://www.discover.com/online-banking/savings-account/","detailUrl":"https://hysacompare.com/en/banks/discover","lastVerifiedAt":"2026-04-13"},{"slug":"fidelity","bankName":"Fidelity (Brokerage Cash)","productName":"Fidelity Cash Management Account","type":"BROKERAGE_CASH","apy":3.27,"apyTier":"core position SPAXX yield, variable","insuredBy":"FDIC","fdicCertificate":null,"ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":true,"compoundingFrequency":"daily","editorRating":4.6,"editorVerdict":"Fidelity's Cash Management Account is the cleanest \"all-in-one\" replacement for both checking and savings if you are willing to use a brokerage. The ATM fee reimbursement is industry-leading. Yield is slightly below the pure-play HYSAs but the convenience and integration usually justify it. Note: this is a brokerage account, and FDIC coverage applies through Fidelity's program banks, not Fidelity itself.","pros":["Up to $1.25M FDIC insurance via partner network (sweep coverage)","Free ATM access worldwide (all fees reimbursed)","Check writing and debit card included","Integrates with Fidelity investing accounts"],"cons":["Yield comes from money market fund SPAXX, can fluctuate","Brokerage cash account — FDIC coverage is via partner banks, not Fidelity itself"],"websiteUrl":"https://www.fidelity.com/cash-management/overview","detailUrl":"https://hysacompare.com/en/banks/fidelity","lastVerifiedAt":"2026-04-13"},{"slug":"ally","bankName":"Ally Bank","productName":"Ally Online Savings Account","type":"BANK","apy":3.2,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"57803","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4.6,"editorVerdict":"Ally is the best-in-class for users who want a full banking relationship rather than just a high yield. The Buckets and Boosters features for goal-based savings are genuinely useful and not gimmicks. APY is competitive but not the highest on this list — pay this small premium for the ecosystem.","pros":["Full digital banking ecosystem (checking, CDs, IRAs)","Buckets feature for savings goals","24/7 customer service","Free ATM access via Allpoint network"],"cons":["APY slightly below market leaders","No physical branches"],"websiteUrl":"https://www.ally.com/bank/online-savings-account/","detailUrl":"https://hysacompare.com/en/banks/ally","lastVerifiedAt":"2026-04-13"},{"slug":"amex","bankName":"American Express National Bank","productName":"American Express High Yield Savings","type":"BANK","apy":3.2,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"27471","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":false,"hasCheckWriting":false,"compoundingFrequency":"daily","editorRating":4,"editorVerdict":"Amex is the bank you pick when you want zero surprises. It will rarely lead the APY tables, but it will also rarely fall to the bottom — Amex tends to track the Fed Funds rate cleanly. Best for existing Amex card customers who value consolidation.","pros":["Trusted brand name","No fees, no minimums","Easy linking to existing Amex accounts"],"cons":["APY is conservative","No checking or ATM access"],"websiteUrl":"https://www.americanexpress.com/en-us/banking/online-savings/high-yield-savings/","detailUrl":"https://hysacompare.com/en/banks/amex","lastVerifiedAt":"2026-04-13"},{"slug":"capital-one","bankName":"Capital One","productName":"Capital One 360 Performance Savings","type":"BANK","apy":3.2,"apyTier":null,"insuredBy":"FDIC","fdicCertificate":"4297","ncuaCharter":null,"minOpeningDeposit":0,"minBalanceForApy":0,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":false,"compoundingFrequency":"monthly","editorRating":4,"editorVerdict":"Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.","pros":["Physical branches (Capital One Cafés)","Strong app and full banking ecosystem","No fees"],"cons":["APY trails online-only competitors","Compounding is monthly, not daily"],"websiteUrl":"https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/","detailUrl":"https://hysacompare.com/en/banks/capital-one","lastVerifiedAt":"2026-04-06"},{"slug":"alliant","bankName":"Alliant Credit Union","productName":"Alliant High-Rate Savings","type":"CREDIT_UNION","apy":3.1,"apyTier":null,"insuredBy":"NCUA","fdicCertificate":null,"ncuaCharter":"67955","minOpeningDeposit":5,"minBalanceForApy":100,"monthlyFee":0,"hasMobileApp":true,"hasAtmAccess":true,"hasCheckWriting":false,"compoundingFrequency":"monthly","editorRating":3.4,"editorVerdict":"Alliant is included on this list as the credit union benchmark, not because the rate is competitive (it is not — about 150bps below the leaders). Choose Alliant only if you specifically want the credit union ownership model and the ATM network access.","pros":["NCUA insured (credit union equivalent of FDIC)","Member-owned, not profit-driven","80,000+ free ATMs"],"cons":["APY trails the top banks significantly","Membership eligibility required (easy to qualify)"],"websiteUrl":"https://www.alliantcreditunion.org/bank/high-rate-savings","detailUrl":"https://hysacompare.com/en/banks/alliant","lastVerifiedAt":"2026-04-06"}]}