THE TOP 3 HIGH YIELD SAVINGS ACCOUNTS

THE TOP 3 HIGH YIELD SAVINGS ACCOUNTS AS OF TODAY - JULY 2026 HIGH RATES. NO MONTHLY FEES. FDIC INSURED. 1 APY 4.00% with qualifying direct deposit SOFI CHECKING & SAVINGS Up to 4.00% APY with qualifying direct deposit or promotions No monthly fees Vaults to save and organize money Great mobile app & user experience FDIC insured up to $250,000 WHY IT'S #1 Best Overall Great rate + amazing features All-in-one banking experience BEST FOR: Best people looking for the best combination of rate, features & app. 2 APY as of 3/1/2026 Capital One 360 PERFORMANCE SAVINGS No fees or minimums One of the best banking apps Easy transfers & account management FDIC insured up to $250,000 WHY IT'S #2 Trusted national bank Simple, reliable and easy to use Great digital banking experience BEST FOR: People who want simplicity, reliability & a top-rated app. 3 APY as of 3/1/2026 ally HIGH YIELD SAVINGS 3.00% No monthly fees Savings buckets to organize goals 24/7 customer service FDIC insured up to $250,000 WHY IT'S #3 Great for organizing multiple savings goals Excellent customer service Low-interest track record of stability BEST FOR: People who like to set goals and track their progress. WHY CHOOSE A HIGH YIELD SAVINGS ACCOUNT? EARN MORE Earn much higher interest than traditional banks. SAFE & SECURE Your money is insured up to $250,000 per depositor. LIQUID & FLEXIBLE Access your money anytime, without penalties. COMPOUND GROWTH Manage your money to help your savings grow faster. EASY ACCESS Manage your money anytime, anywhere. QUICK TIP: Use a high yield savings account for your emergency fund, short-term goals, and cash you want to keep safe but save. BUT QUICK: APY - Annual Percentage Yield. Rates subject to change. SoFi rates require qualifying direct deposit or promotion. FDIC insured up to $250,000