# Best High-Yield Savings Accounts _CompareFairly · en/US · neutral comparison, cited sources, no paid placement_ **Category:** finance › banking › savings accounts **Our pick**: UFB Direct High Yield Savings (80/100) · **Cheapest**: UFB Direct High Yield Savings · **Best value**: CIT Bank Savings Connect ## Comparison table | Criterion | UFB Direct High Yield Savings | SoFi High Yield Savings | Capital One 360 Performance Savings | CIT Bank Savings Connect | Ally Bank High Yield Savings Account | Discover Bank Online Savings Account | | --- | --- | --- | --- | --- | --- | --- | | APY (%) | 5 | 4.5 | 4.3 | 4.8 | 4.2 | 4.2 | | Minimum Balance for APY (USD) | 0 | 0 | 0 | 5000 | 0 | 0 | | FDIC Insured | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | | Minimum Opening Deposit (USD) | 0 | 0 | 0 | 100 | 0 | 0 | | Monthly Maintenance Fee (USD) | 0 | 0 | 0 | 0 | 0 | 0 | | ATM Access | No | Yes | No | No | No | No | | Mobile App Rating | Good | Excellent | Excellent | Good | Excellent | Excellent | | Transfer Limits | Varies, check with bank | Varies, check with bank | Varies, check with bank | Varies, check with bank | Varies, check with bank | Varies, check with bank | | Customer Service Hours | Varies, check with bank | 24/7 | 24/7 | Varies, check with bank | 24/7 | 24/7 | | Account Type | High-Yield Savings | High-Yield Savings | High-Yield Savings | High-Yield Savings | High-Yield Savings | High-Yield Savings | ## 1. UFB Direct High Yield Savings A division of Axos Bank, offering a competitive APY with no monthly fees. _Source (estimate): [https://www.ufbdirect.com/savings-accounts/](https://www.ufbdirect.com/savings-accounts/)_ ## 2. SoFi High Yield Savings Provides a competitive APY and no monthly fees, with potential for early direct deposit access. _Source (estimate): [https://www.sofi.com/personal-loans/sofi-money/savings-account/](https://www.sofi.com/personal-loans/sofi-money/savings-account/)_ ## 3. Capital One 360 Performance Savings Offers a strong APY with no minimum balance requirements and no monthly fees. _Source (estimate): [https://www.capitalone.com/bank/savings/online-performance-savings/](https://www.capitalone.com/bank/savings/online-performance-savings/)_ ## 4. CIT Bank Savings Connect Offers a high APY but requires a higher minimum balance to earn the stated rate. _Source (estimate): [https://www.cit.com/cit-bank/savings-accounts/savings-connect-account](https://www.cit.com/cit-bank/savings-accounts/savings-connect-account)_ ## 5. Ally Bank High Yield Savings Account A popular online bank offering a competitive APY and no monthly fees. _Source (estimate): [https://www.ally.com/bank/savings-account/](https://www.ally.com/bank/savings-account/)_ ## 6. Discover Bank Online Savings Account A well-known bank providing a competitive APY with no minimum deposit or monthly fees. _Source (estimate): [https://www.discover.com/online-banking/savings-accounts/](https://www.discover.com/online-banking/savings-accounts/)_ ## 7. American Express High Yield Savings Account Offers a competitive APY with no monthly fees and no minimum balance requirement. _Source (estimate): [https://www.americanexpress.com/en-us/banking/savings-accounts/high-yield-savings-account/](https://www.americanexpress.com/en-us/banking/savings-accounts/high-yield-savings-account/)_ ## 8. Marcus by Goldman Sachs High Yield Online Savings Offers a competitive APY with no minimum balance or monthly fees. _Source (estimate): [https://www.marcus.com/us/en/savings-accounts/high-yield-savings-account](https://www.marcus.com/us/en/savings-accounts/high-yield-savings-account)_ ## 9. Prime Alliance Bank High Yield Savings Offers a very competitive APY, but may have specific requirements and is a smaller institution. _Source (estimate): [https://www.primealliancebank.com/personal/savings-accounts/high-yield-savings/](https://www.primealliancebank.com/personal/savings-accounts/high-yield-savings/)_ ## 10. Lake City Bank High Yield Savings A regional bank offering a competitive APY, but may have specific requirements. _Source (estimate): [https://www.lakecitybank.com/personal/savings-accounts/high-yield-savings/](https://www.lakecitybank.com/personal/savings-accounts/high-yield-savings/)_ ## In short This comparison evaluates ten savings accounts based on ten criteria, including APY, minimum balance for APY, FDIC insurance, minimum opening deposit, monthly maintenance fee, and ATM access. UFB Direct High Yield Savings ranks highest with a score of 80 out of 100, largely due to its perfect scores in minimum balance for APY and minimum opening deposit. SoFi High Yield Savings is a close second with 78 out of 100, excelling in ATM access, and UFB Direct High Yield Savings is identified as the most affordable option. The facts in this summary are computed from the table below; only the wording is generated. ## Frequently asked questions **What are the best high-yield savings accounts in 2026?** In 2026, UFB Direct High Yield Savings leads our comparison with a score of 80/100, followed closely by SoFi High Yield Savings, based on key criteria like APY and fees. **How do I choose a high-yield savings account?** Consider factors such as the Annual Percentage Yield (APY), minimum balance requirements, FDIC insurance, and any monthly maintenance fees to find the best fit for your savings goals. **Is UFB Direct High Yield Savings the top option right now?** Yes, UFB Direct High Yield Savings is currently ranked highest on our platform, offering a competitive APY and favorable terms across our comparison criteria. **Are these savings accounts FDIC insured and what does that mean?** All accounts featured in our comparison are FDIC insured, meaning your deposits are protected up to the standard insurance amount, ensuring your money's safety. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/US/best-high-yield-savings-accounts — citation with a link is allowed; bulk extraction/redistribution is prohibited._