6 best high-yield bank accounts
In 2022, interest on bank accounts ranged from zero for 30% of accounts to a national average of 0.47%. These six banks paid the most.
Interest rates ranged from zero, for 30% of all accounts, to a national average of 0.47% across all banks.
The 6 most competitive banks offering the highest yields were:
Their combined share of US deposits grew 14% from 2021, to 5%. Signature Bank was closed by regulators in March 2023.
Current high-yield savings rates
These are today’s top savings offers, updated regularly.
9 offers, highest APY first. Updated October 20, 2026.
| Rank | Institution | Offer | For | APY |
|---|---|---|---|---|
| 1 |  First Foundation Bank | First Foundation Bank Online Savings | Personal | 25.00% |
| 2 |  LendingClub | LendingClub High-Yield Savings | Personal | 4.20% |
| 3 |  Current by Choice Financial Group | Current Savings Pods | Personal | 4.00% |
| 4 |  Ivy Bank | Ivy Bank High-Yield Savings | Personal | 4.00% |
| 5 |  Bread Savings | Bread Savings High-Yield Savings | Personal | 3.95% |
| 6 |  Bask Bank | Bask Bank High-Yield Savings | Personal | 3.90% |
| 7 |  Wealthfront | Wealthfront Cash Account | Personal | 3.55% |
| 8 |  Salem Five Direct | Salem Five Direct High-Yield Savings | Personal | 3.51% |
| 9 |  Upgrade | Upgrade Premier Savings | Personal | 3.30% |