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Best High-Yield Savings Accounts

Earn More With Competitive APYs

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Get Higher Returns Paired
With Lower Risk
View high-yield savings rates from trusted financial institutions
Best high-yield savings accounts
FINANCIAL INSTITUTIONS 
APY** sort
MIN.BALANCE FOR APY sort
MIN.DEPOSIT TO OPEN sort
 
ValorFI Heroes
ValorFI Heroes
APY Updated on 08/18/2026
4.25%
$1
No Limit
Restrictions  down
APY**
4.25%
Min.Bal. For APY
$1
Min.Dep. to Open
No Limit
Updated: 08/18/2026
Restrictions  down
Oloy Bank
Oloy Bank
a Division of Academy Bank
APY Updated on 09/08/2026
4.15%
No Limit
$25,000
Restrictions  down
Oloy Bank
Oloy Bank
a Division of Academy Bank
APY**
4.15%
Min.Bal. For APY
No Limit
Min.Dep. to Open
$25,000
Updated: 09/08/2026
Restrictions  down
Finworth
Finworth
A Division of INSBANK
APY Updated on 09/21/2026
4.10%
$5,000
$5,000
Finworth
Finworth
A Division of INSBANK
APY**
4.10%
Min.Bal. For APY
$5,000
Min.Dep. to Open
$5,000
Updated: 09/21/2026
WSB Digital
WSB Digital
Member FDIC|Member DIF
APY Updated on 04/01/2026
4.01%
$25,000
$10
Restrictions  down
WSB Digital
WSB Digital
Member FDIC|Member DIF
APY**
4.01%
Min.Bal. For APY
$25,000
Min.Dep. to Open
$10
Updated: 04/01/2026
Restrictions  down
Believe Savings
Believe Savings
A Division of Regent Bank
APY Updated on 12/15/2025
3.55%
$0.01
$100
Believe Savings
Believe Savings
A Division of Regent Bank
APY**
3.55%
Min.Bal. For APY
$0.01
Min.Dep. to Open
$100
Updated: 12/15/2025
Municipal Credit Union
Municipal Credit Union
star5.0BauerFinancial Rating
APY Updated on 05/04/2026
3.00%
$5,000
$100
Restrictions  down
Municipal Credit Union
Municipal Credit Union
star5.0BauerFinancial Rating
APY**
3.00%
Min.Bal. For APY
$5,000
Min.Dep. to Open
$100
Updated: 05/04/2026
Restrictions  down
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Going Beyond CDs to Help You Maximize Savings

You need a stable place to stash your cash -- We've got you covered, we keep your earnings in our best interest.

View high-yield savings accounts offered by trusted financial institutions. A high-yield savings account (HYSA) is a type of savings account that typically offers a higher interest rate than a traditional savings account, helping you grow your deposited funds faster.

Because you can generally access the money whenever you want without penalty, this flexibility makes HYSAs ideal for short-term savings goals.

Why Choose a HYSA?

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  • Higher interest rates
  • checkMark-logo
  • Easy access to funds
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  • Generally safe from market risks
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  • Generally, no monthly fees
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  • Ideal for short-term savings goals
  • * Annual Percentage Yield (APY) for certificates of deposits are from the latest rate surveys which are updated as often as daily. Rates are based on publicly available data for CD products. Additional restrictions and requirements may apply. The APY assumes interest remains on deposit until maturity. Early withdrawal penalty may be imposed if funds are withdrawn prior to maturity. Fees and penalties may reduce earnings. The APY for variable CD Rates may change after the account is opened.

    ** Annual Percentage Yield (APY) for High Yield Savings Accounts (HYSA) are effective as of the date shown above. HYSA are variable rate accounts. Rates may change after the account is opened. Fees may reduce earnings. Additional restrictions and requirements may apply. Please review the account deposit agreement and fee schedule for the financial institution for further information regarding fees, terms, and conditions.

    Tiered rates may be included in the account listings. Please refer to the financial institution's website for the full listing of any tiered rates. Visitors should independently verify all terms, conditions, and limitations including, but not limited to deposit insurance coverage, credit union eligibility and membership requirements. CD Valet is not a federally insured deposit institution; deposit insurance is offered through the bank or credit union. CD Valet is compensated by a limited number of financial institutions that have either contracted marketing services with CD Valet or have an Open Now or affiliate link on CD Valet. Visit our Privacy and Disclosure Center to read related disclosures and policies of CD Valet and its partners.

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