Have you heard of a high yield savings account?

Have you heard of a high yield savings account? If you're looking to use a high yield savings account but you're just not sure which one to use, you're gonna want to hear this. These are my top three savings accounts going into 2026. Part four. And if you're new here, I'm Rob. I break down personal finance for all those that weren't taught this stuff growing up. Now, we're gonna go over our three baselines again, which is no minimum deposits, no monthly fees, and competitive APY because that's the entire point of this anyways, right? So, in our first spot, no particular order, we're gonna be looking at Elevate. And they have a 4.34% APY, which is just insane. And in addition to that, they offer vaults like we saw with Sofia, and with Ally, where you're able to kind of designate different areas to start saving. And they also offer vault keys, which is great because you're able to directly connect those individual financial institutions if you want to make payments and have them debit directly from those accounts. On the con side, they don't really offer any sort of introductory or promotional, which is not needed with a 4.34% APY. And they don't have any physical locations or anything, which really isn't that big of a deal. Next on our list, we're gonna be looking at Capital One. They're good because they offer a 3% APY, which is again, kind of our bottom baseline here. But they also offer Capital One Auto Savings, which allows you to set specific frequencies and amounts of savings to be automatically saved into that account. Additionally, they do have what's called the Capital One Cafe, where you're able to kind of go in and it's kind of like a co-working space and they offer some other amenities as well. On the cons, they offer a 3% APY, which again, is nothing great, nothing too special, but it's not bad. Um, but they also don't offer any bonuses or promo offers like you would kind of like to see with something like a 3% rate. Last on our list today, we're gonna be talking about HMB. And we like them because they offer a 4% LevelUp APY, and a 3% standard APY, which is not bad. Additionally, they offer an ATM card to go along with that bank account, so it's a pretty good offer. On the cons, I know we talked about not having any sort of monthly minimum deposits or anything required for the account, although it's not required to open the account, you do need $250 deposited every single month in order to get that 4% APY. Additionally, they don't have any locations, but that's not a huge deal. Have I covered your bank yet? Let me know in the comments down below which bank you want to see next. Bye.