Safe Money · verified 2026-10-24
Highest-yield savings accounts, ranked by APY.
As of Oct 24, 2026, the highest-yield savings accounts CashWars verified are: Vio Bank (division of MidFirst Bank) 4.01%, Live Oak Bank 4.00%, Sallie Mae Bank 4.00% APY. Savings rates can change at any time. All are FDIC insured up to $250,000 per person, per bank.
Safe Money · CD rates · 3-month · 6-month · 1-year · 2-year · 3-year · 5-year · No-penalty CDs · Savings · Money market · Treasuries
| # | Bank | APY | Minimum to open | Insured | Source |
|---|---|---|---|---|---|
| 1 | Vio Bank (division of MidFirst Bank) Online Savings | 4.01% | See bank | FDIC insured | Bank's page as of Oct 24, 2026 |
| 2 | Live Oak Bank Personal High-Yield Savings | 4.00% | $0 | FDIC insured | Bank's page as of Oct 24, 2026 |
| 3 | Sallie Mae Bank High-Yield Savings | 4.00% | $0 | FDIC insured | Bank's page as of Oct 24, 2026 |
| 4 | E*TRADE (Morgan Stanley Private Bank) Premium Savings (base rate) Base rate shown. A 6-month intro rate of 4.25% may apply. | 3.75% | $0 | FDIC insured | Bank's page as of Oct 24, 2026 |
| 5 | CIT Bank (division of First Citizens Bank) Platinum Savings 3.75% only on balances of $5,000 or more; below $5,000 earns 0.25% | 3.75% | $5,000 | FDIC insured | Bank's page as of Jul 1, 2026 |
| 6 | Barclays Tiered Savings (top tier) 'Up to' rate; lower balances may earn less | 3.65% | $0 | FDIC insured | Bank's page as of Oct 7, 2026 |
| 7 | Synchrony Bank High Yield Savings | 3.55% | $0 | FDIC insured | Bank's page as of Oct 24, 2026 |
| 8 | Marcus by Goldman Sachs Online Savings | 3.50% | $0 | FDIC insured | Bank's page as of Oct 24, 2026 |
| 9 | Ally Bank Savings Account | 3.20% | $0 | FDIC insured | Bank's page as of Oct 24, 2026 |
| 10 | American Express National Bank High Yield Savings | 3.20% | $0 | FDIC insured | Bank's page as of Oct 24, 2026 |
| 11 | Capital One 360 Performance Savings | 3.20% | $0 | FDIC insured | Bank's page as of Oct 24, 2026 |
Is my money safe?
Yes, up to the limit. Every bank here is FDIC insured and every credit union is NCUA insured. That means the U.S. government backs your deposits up to $250,000 per person, per bank, for each type of ownership (for example, your own account, a joint account with your spouse, and a retirement account each count separately). If a bank fails, you get your money back up to that limit. According to the FDIC, no depositor has lost a penny of insured funds since it began in 1934.
Have more than $250,000? Spread it across banks, or add a joint owner or payable-on-death beneficiaries. FDIC: how coverage works · NCUA coverage
APY (annual percentage yield) is what $100 earns in a year, including interest on interest. Early withdrawal penalty is the interest you give up if you take money out of a regular CD before it ends.
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