where can I get a high yield savings account?

If you’re in the U.S., you can open a high-yield savings account (HYSA) online with an FDIC-insured bank. As of September 2026, competitive accounts are generally around 3–4.5% APY, versus roughly 0.38% for the national average.The Wall Street Journal+1

A few places worth comparing:

• Marcus by Goldman Sachs — about 3.4–3.5% APY; straightforward online savings.Forbes+1
• Capital One 360 Performance Savings — about 3.0% APY; useful if you want access to Capital One branches/cafés.Forbes+1
• Ally Bank — about 3.0% APY; established online bank with a broad banking platform.Forbes
• SoFi — up to about 4.0% APY, but the higher rate can depend on meeting account requirements.NerdWallet
• CIT Bank — up to about 4.1% APY depending on the account/balance.NerdWallet
• EverBank — about 3.9% APY currently.Forbes

What I'd look at before opening one: APY, minimum balance, monthly fees, withdrawal/transfer rules, whether the rate is promotional, and FDIC insurance. FDIC coverage is generally $250,000 per depositor, per insured bank, per ownership category.FDIC

If you tell me roughly how much you want to deposit (e.g. $5k, $25k, $100k), I can compare the current accounts and calculate approximately how much interest you'd earn per year.

If you’re in the U.S., a high-yield savings account (HYSA) is usually available from online banks, and you can open one entirely online.

As of September 2026, competitive HYSAs are paying roughly 3.8%–4.2% APY, compared with a national average savings rate of about 0.38%.NerdWallet+1

A few worth looking at:

• Axos Bank — up to 4.21% APY, but the highest rate has account/balance requirements.NerdWallet
• CIT Bank — up to 4.10% APY on certain savings products.NerdWallet
• Peak Bank — about 4.01% APY with a $100 opening deposit.NerdWallet
• SoFi — up to 4.00% APY, particularly useful if you want checking and savings together.NerdWallet
• Capital One 360 Performance Savings — 3.00% APY, with the advantage of Capital One's physical locations.NerdWallet

What I'd look for

Don't choose solely based on the advertised APY. Check:

• APY: Higher is better, all else equal.
• Minimum balance: Some top rates require thousands of dollars.
• Monthly fees: Ideally $0.
• Withdrawal/transfer rules: Make sure the account works for how you'll use it.
• FDIC insurance: Deposits at an FDIC-insured bank are generally insured up to $250,000 per depositor, per insured bank, per ownership category.EDIE+1

If you tell me roughly how much you want to put in it (e.g. $1,000, $10,000, $50,000) and whether you want easy ATM access, I can compare the current accounts and show you approximately how much interest you'd earn per year.

You can open a high-yield savings account online. As of September 2026, some competitive options are:

• Newtek Bank — 4.20% APY, $100 minimum.NerdWallet
• CIT Bank — up to 4.10% APY, $100 minimum.Bankrate
• Peak Bank — 4.01% APY, $100 minimum.NerdWallet
• Marcus by Goldman Sachs — 3.40% APY, $0 minimum and no fees.marcus.com
• Ally — 3.00% APY, $0 minimum and no monthly maintenance fee.ally.com

If you tell me roughly how much you want to keep there (e.g. $5k, $25k, $100k), I can compare the current accounts and show approximately how much interest each would earn.

You can get a high-yield savings account (HYSA) primarily through online-only banks, digital fintech platforms, and some credit unions. Because online banks don't have the overhead costs of traditional brick-and-mortar branches, they pass those savings on to you with significantly higher annual percentage yields (APYs)—currently ranging around 3.0 0%−4.2 1% APY.nerdwallet.com+4

Top options and current standouts for high-yield savings accounts include:

• CIT Bank : Offers competitive rates up to $4.10% APY with a minimum deposit requirement to get started ($100). You can check current offerings directly on CIT Bank.bankrate.com+1
• Axos Bank : Offers up to $4.21% APY, though it requires linking a checking account and meeting specific direct deposit or average daily balance criteria. Learn more details at Axos Bank.nerdwallet.com
• SoFi Bank : Known for strong combined checking and savings features, offering great promotional and standard rates for members who set up direct deposit. Explore features on SoFi.nerdwallet.com
• Live Oak Bank : Provides straightforward high yields around $4.00% APY with no monthly maintenance fees or minimum deposit requirements. Check details via Live Oak Bank.bankrate.com+1

When choosing an account, make sure to look out for FDIC insurance (for banks) or NCUA insurance (for credit unions) so your deposits are protected up to $250,000. You can compare full, regularly updated lists and read editorial breakdowns on NerdWallet's Best High-Yield Online Savings Accounts or Bankrate's Best High-Yield Savings Accounts.bankrate.com+1

Would you like to narrow this down based on:

• Minimum deposit requirements you prefer to avoid?
• Whether you want a bundled checking account?
• Avoiding monthly maintenance fees entirely?

If you’re in the U.S., high-yield savings accounts (HYSAs) are usually easiest to get from online banks. As of September 2026, competitive accounts are paying roughly 3.5%–4.5% APY, versus about 0.38% for the national average savings account.The Wall Street Journal+1

A few good places to consider:

• GO2bank — currently up to 4.50% APY, though the top rate is limited to the first $5,000.The Wall Street Journal
• Axos ONE — among the higher-yield options, but the best rate requires meeting certain checking/deposit requirements.The Wall Street Journal
• EverBank Performance Savings — currently advertising 3.90% APY for new accounts, with no minimum balance and no monthly fee.EverBank
• Ally — a good choice if you value a polished app, savings “buckets,” and customer service rather than chasing the absolute highest rate.The Wall Street Journal
• Marcus by Goldman Sachs — straightforward online savings with FDIC insurance and no fees for transfers to/from linked accounts.The Wall Street Journal
• TAB Bank — currently 3.61% APY, with no minimum deposit to open and no monthly maintenance fee.TAB Bank, Member FDIC

My quick recommendation: If you're putting aside an emergency fund or several thousand dollars and want something simple, I'd compare Ally, Marcus, EverBank, and Axos. Don't choose solely based on the headline APY—check whether the rate has a balance requirement or is promotional.

If you tell me roughly how much you want to deposit (e.g. $5k, $20k, $100k), I can compare the best accounts for that amount and show you approximately how much interest you'd earn per year.

Yes. As of September 8, 2026, there are several good high-yield savings accounts (HYSAs) paying around 4% APY, versus roughly 0.6% for the national average.Bankrate+1

Good options

• CIT Bank — 4.10% APY, $100 minimum. One of the highest straightforward rates currently listed.Bankrate
• Newtek Bank — 4.20% APY, $100 minimum.NerdWallet
• Vio Bank — 3.99% APY, $100 minimum.NerdWallet
• EverBank — 3.90% APY, no minimum.Bankrate
• Marcus by Goldman Sachs — 3.40% APY, no minimum; a good choice if you prioritize a well-established online bank and simple account.NerdWallet
• Capital One 360 Performance Savings — 3.00% APY, no minimum, with the advantage of access to Capital One's physical locations.NerdWallet
• SoFi Checking & Savings — up to 4.00% APY, but the highest rate involves qualifying requirements/promotional terms.NerdWallet

My pick: If you simply want to park emergency savings and maximize interest, I'd look first at CIT, Newtek, or Vio. If you want a more familiar, easy-to-use bank, Marcus or Capital One 360 are attractive.

For example, $25,000 at 4.10% would earn roughly $1,025 in interest over a year, assuming the rate stayed unchanged.

Rates are variable, so they can change after you open the account. Make sure the institution is FDIC-insured (or NCUA-insured if it's a credit union).Bankrate

If you tell me roughly how much you're planning to put in it (e.g. $5k, $25k, $100k+), I can narrow it down to the best 2–3 accounts for your situation.