Compare Savings Accounts
Latest rate data:
| Monthly fee | To open | Min. balance | APY balance cap | Rate conditions | External ACH | Joint account | Savings buckets | Details | ||
|---|---|---|---|---|---|---|---|---|---|---|
| X Money | 6.00% | $0 | $0 | $0 | None | Premium+ or qualifying deposits · No NY interest | 1-3 business days | Yes | Not disclosed | |
| FourLeaf Simple Savings | 4.50% | $10 before waivers | $5 | $0 | None | No direct or recurring deposits | Not disclosed | Not disclosed | Not disclosed | |
| Pibank | 4.40% | $0 | $0 | $0 | None | No direct or recurring deposits | Not supported | Yes | No | |
| Elevault | 4.34% | $0 | $0 | $0 | $500,000 | No direct or recurring deposits | Available; timing not disclosed | No | Yes | |
| Peak Bank | 4.27% | $0 | $100 | $100 | $500,000 | No direct or recurring deposits | 1-3 business days | Yes | No | |
| Vio Bank Online Savings | 4.25% | $0 | $100 | $0 | None | No direct or recurring deposits | 3-5 business days | Yes | No | |
| ValorFI Heroes High-Yield Savings | 4.25% | $0 | $5 | $0 | None | E-statements required | Available; timing not disclosed | Not disclosed | Yes | |
| InTouch Credit Union | 4.25% | $0 | $50 | $0 | None | No direct or recurring deposits | Available; timing not disclosed | Not disclosed | Not disclosed | |
| Axos | 4.21% | $0 | $0 | $1,500 | $250,000 | Deposits + checking balance required | 1-3 business days | Yes | No | |
| Ever Bank | 4.20% | $0 | $0 | $0 | None | No direct or recurring deposits | 1-3 business days | Yes | No | |
| Lending Club | 4.20% | $0 | $0 | $0 | None | Recurring deposits required | 1-3 business days | No | No | |
| Brilliant Bank | 4.20% | $10 before waivers | $1,000 | $1,000 | None | No direct or recurring deposits | 1-3 business days | Yes | No | |
| Newtek Bank | 4.20% | $0 | $100 | $0.01 | None | No direct or recurring deposits | 1-3 business days | No | No | |
| Western State Bank | 4.20% | $0 | $1,000 | $0 | $10,000,000 | No direct or recurring deposits | Available; timing not disclosed | Not disclosed | Not disclosed | |
| TotalBank | 4.17% | $0 | $25,000 | $2,500 | $1,000,000 | No direct or recurring deposits | 1-3 business days | No | No | |
| Timbr Financial | 4.15% | $0 | $1,000 | $1,000 | None | No direct or recurring deposits | 1-3 business days | No | No | |
| OnPath Credit Union | 4.15% | $0 | $0 | $25,000 | None | No direct or recurring deposits | 1-3 business days | Yes | No | |
| Oloy Bank | 4.15% | $0 | $1,000 | $0 | None | No direct or recurring deposits | 1-3 business days | No | No | |
| Credit One High Yield Jumbo Savings | 4.15% | $0 | $100,000 | $100,000 | None | No direct or recurring deposits | Available; timing not disclosed | Yes | Not disclosed | |
| Always Savings | 4.10% | $0 | $0 | $0 | None | No direct or recurring deposits | Available; timing not disclosed | Not disclosed | No | |
| Accordia Bank High-Yield Savings | 4.10% | $0 | $100 | $0 | None | No direct or recurring deposits | Available; timing not disclosed | Not disclosed | Not disclosed | |
| CFG Bank | 4.05% | $10 before waivers | $1,000 | $1,000 | None | No direct or recurring deposits | 1-3 business days | Yes | No | |
| Bread Financial | 4.05% | $0 | $100 | $0 | None | No direct or recurring deposits | 1-3 business days | Yes | No | |
| Zynlo | 4.05% | $0 | $0 | $0.01 | None | No direct or recurring deposits | 1-3 business days | Yes | No | |
| 316 Financial | 4.05% | $0 | $1 | $0 | None | No direct or recurring deposits | 1-3 business days | Yes | No |
Deposit Insurance
Insurance varies by product. AdelFi uses private insurance, not FDIC or NCUA coverage. Bank sweep coverage applies through participating banks. Verify the insurer, limits, and ownership category before depositing.
The Federal Deposit Insurance Corporation (FDIC) protects deposits at FDIC-insured banks, while the National Credit Union Administration (NCUA) protects member shares at federally insured credit unions through the National Credit Union Share Insurance Fund. Both forms of federal insurance are backed by the full faith and credit of the United States government.
- Coverage Limit: Up to $250,000 per depositor or member, per insured bank or credit union, per ownership category
- Automatic Protection: No separate application is needed when your deposits are held at an FDIC-insured bank or federally insured credit union
- What's Covered: Bank deposit accounts such as savings, checking, money market deposit accounts, and CDs; credit union share accounts such as share savings, share draft/checking, money market share accounts, and share certificates
- What's Not Covered: Investments like stocks, bonds, mutual funds, and annuities
How to compare high-yield savings accounts
How should I compare high-yield savings accounts?
Compare APY alongside monthly fees, opening deposits, balance requirements, and transfer access. An emergency fund usually needs reliable access and few qualifying requirements. For larger balances, check APY caps and deposit insurance limits.
Does the highest APY always mean the best savings account?
No. The advertised APY may require direct deposit or recurring deposits, apply only to a balance tier, or depend on other account activity. Compare those conditions with the balance you plan to keep and how quickly you need to move your money.
What do the comparison table's requirement labels mean?
Not disclosed means reviewed public materials did not clearly state the requirement. It does not mean there is no requirement. Check the account details and official terms for monthly fees, balance caps, ACH speed, transfer limits, and eligibility before opening an account.