Best high-yield savings accounts of April 2026 (Up to 4.21%)

Edited by Rhys Subitch . Reviewed by Greg McBride, CFA
Expert verified Updated April 13, 2026
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A high-yield savings account can be a safe place to earn interest on your money while keeping it easily accessible for emergencies and planning for economic downturns. Today's top savings rate is 4.21% offered by Axos Bank, which is around seven times the current national average of 0.6% APY. In addition to a high APY, the best high-yield savings accounts don't charge fees and have low minimum deposit requirements.

Table of contents
Best high-yield savings accounts Calculate your savings High-yield savings FAQs Meet our experts Research methodology
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Annual percentage yield
4.25%
Monthly Fee
$0
Min. Deposit
$0

Best high-yield savings accounts for April 2026

Note: APYs may have changed since they were last updated. Capitalflow only includes FDIC banks or NCUA credit unions in the editorial listings below.

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Vio Bank

★★★★★ 4.8 Capitalflow score
Annual percentage yield
4.03%
Min. balance for APY
$0
Min. deposit to open
$100

LendingClub

★★★★★ 4.8
Annual percentage yield
4.00%
Min. balance for APY
$0
Min. deposit to open
$0

Bread Savings

★★★★☆ 4.5
Annual percentage yield
4.00%
Min. deposit to open
$100

Openbank

Annual percentage yield
4.00%
Min. deposit to open
$500

EverBank

Annual percentage yield
3.90%
Min. deposit to open
$0

Limelight Bank

Annual percentage yield
3.90%
Min. deposit to open
$100

Popular Direct

Annual percentage yield
3.90%
Min. deposit to open
$100

Forbright Bank

Annual percentage yield
3.85%
Min. deposit to open
$0

Zynlo Bank

Annual percentage yield
3.85%
Min. deposit to open
$0

Peak Bank

Annual percentage yield
3.82%
Min. deposit to open
$100

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Estimated Total Balance
$28,521
Total Contributions
$25,000
Total Interest Earned
+$3,521
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High-yield savings FAQs

A high-yield savings account (HYSA) is a type of savings account that pays a higher interest rate than traditional savings accounts. These accounts are typically offered by online banks, which have lower overhead costs than brick-and-mortar banks and can pass those savings on to customers in the form of higher yields.

Yes, as long as the bank is insured by the Federal Deposit Insurance Corporation (FDIC) or the credit union is insured by the National Credit Union Administration (NCUA). This insurance protects your deposits up to $250,000 per depositor, per institution, in the event the bank fails.

The APY on a high-yield savings account is variable, meaning the bank can change it at any time without prior notice. Rates are heavily influenced by the Federal Reserve's benchmark interest rate.

Meet our Capitalflow experts

Matthew Goldberg
Matthew Goldberg

Former Senior Consumer Banking Reporter

Matthew is an award-winning writer who has been in financial services for more than 14 years. He uses his banking experience to help inform readers.

Karen Bennett
Karen Bennett

Consumer Banking Reporter

Karen is a senior consumer banking reporter where she uses her years of banking and personal finance experience to help inform readers about money-related decisions.

Research methodology

Capitalflow's editorial team is dedicated to providing objective, comprehensive reviews of banking products. We evaluate accounts based on a variety of factors, including Annual Percentage Yields (APYs), minimum opening deposits, monthly maintenance fees, and customer experience features like mobile app ratings and ATM networks. Our 5-star rating system is designed to help consumers find the best products for their financial needs. Capitalflow actively tracks APYs from hundreds of banks and credit unions across the country to ensure our data is accurate and up to date.