Best Fdic Insured

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Rankings are calculated based on verified user reviews, recency of updates, and community voting weighted by user reputation score.

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Best 1 Marcus by Goldman Sachs Online Savings
Marcus by Goldman Sachs Online Savings

Marcus by Goldman Sachs remains a gold standard for high-yield savings accounts due to its consistent, top-tier APY and user-friendly digital interface. It is designed for individuals who want a strai...

9.3 Excellent
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2 Ally Bank Online Savings Account
Ally Bank Online Savings Account

Ally Bank is widely considered the gold standard for beginners due to its 'Buckets' feature, which allows users to visually organize savings for different goals like travel, emergency funds, or a new...

9.2 Excellent
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3 Marcus by Goldman Sachs Online Savings Account
Marcus by Goldman Sachs Online Savings Account

Marcus by Goldman Sachs offers a competitive APY and a straightforward savings experience. The account has no minimum balance requirements and no monthly fees. Marcus is backed by the financial stren...

9.0 Excellent
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4 Discover Bank Online Savings Account
Discover Bank Online Savings Account

Discover Banks Online Savings Account provides a competitive APY and a user-friendly online banking experience. The account has no minimum balance requirements and no monthly fees. Discover is known...

8.8 Very Good
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5 American Express
American Express

American Express is a digital bank offering no-fee checking and savings accounts with no minimum balance requirements. It provides a user-friendly mobile app with real-time transaction alerts and budg...

8.8 Very Good
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6 UFB Direct High Yield Savings
UFB Direct High Yield Savings

UFB Direct, a division of Axos, offers a high-yield savings account designed for those who want to maximize their returns. They are known for aggressive rate adjustments that keep them competitive in...

8.6 Very Good
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7 Synchrony Bank High-Yield Savings Account
Synchrony Bank High-Yield Savings Account

Synchrony Banks High-Yield Savings Account consistently offers a competitive APY, making it an attractive option for savers. The account has no minimum balance requirements and no monthly fees. Synchr...

8.5 Very Good
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8 Citibank
Citibank

Citibank is a digital bank offering no-fee checking and savings accounts with no minimum balance requirements. It provides a user-friendly mobile app with real-time transaction alerts and budgeting to...

8.5 Very Good
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9 TD Bank
TD Bank

TD Bank is a major mortgage lender offering a wide range of loan options, including fixed-rate, adjustable-rate, and FHA loans. The company is known for its no-fee policy and personalized customer sup...

8.4 Very Good
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10 PNC High Yield Savings
PNC High Yield Savings

PNC offers a high-yield savings product that bridges the gap between traditional brick-and-mortar banking and online-only high-yield accounts. It is a very good choice for customers who value the secu...

8.4 Very Good
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11 Bask Bank Savings Account
Bask Bank Savings Account

Bask Bank offers a highly competitive APY, often among the highest available. As an online-only bank, they pass on savings to customers in the form of higher interest rates. The account has no minimum...

8.3 Very Good
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12 CITI Savings Plus
CITI Savings Plus

The CITI Savings Plus account is a solid option for existing CITI customers looking to earn a better return on their cash. It offers a decent yield compared to standard savings accounts, though it oft...

8.2 Very Good
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13 Popular Direct Savings Account
Popular Direct Savings Account

Popular Direct offers a competitive APY and a straightforward online savings experience. The account has no minimum balance requirements and no monthly fees. Popular Direct is backed by Popular Bank,...

8.1 Very Good
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14 Truist
Truist

Truist is a major mortgage lender offering a wide range of loan options, including fixed-rate, adjustable-rate, and FHA loans. The company is known for its no-fee policy and personalized customer supp...

8.1 Very Good
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15 Bread Savings Account
Bread Savings Account

Bread Savings provides a competitive APY and a simple online banking experience. As an online-only bank, they offer competitive rates. The account has no minimum balance requirements and no monthly fe...

8.0 Very Good
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16 Navy Federal Credit Union Savings
Navy Federal Credit Union Savings

Navy Federal Credit Union offers competitive savings rates to its members. Membership is restricted to military personnel, veterans, and their families. The account has no monthly fees, but membership...

7.8 Good
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17 Wells Fargo Online Savings
Wells Fargo Online Savings

Wells Fargo Online Savings offers a more moderate APY compared to some online-only banks, but benefits from the stability and extensive services of a large, established bank. The account has no minimu...

7.5 Good
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18 Ally Invest Money Market
Ally Invest Money Market

The Ally Invest Money Market account is a good choice for investors who want to keep their cash liquid within an investment account. It provides a higher yield than a standard checking account and inc...

7.5 Good
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19 Chase Savings Account
Chase Savings Account

Chase Savings Account offers a relatively low APY compared to online-only competitors, but provides the convenience of branch access and a wide range of banking services. The account has no minimum ba...

7.3 Good
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20 Bank of America Advantage Savings
Bank of America Advantage Savings

Bank of America Advantage Savings offers a modest APY and benefits from the convenience of branch access and a wide range of banking services. The account has no minimum balance requirements. Bank of...

7.2 Good
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21 Simple Savings Account (BBVA)
Simple Savings Account (BBVA)

Simple, now part of BBVA, offers a straightforward savings account with a competitive, but not leading, APY. The account has no minimum balance requirements and no monthly fees. Simple focuses on a us...

6.8 Fair
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22 First Foundation Bank Online Savings
First Foundation Bank Online Savings

First Foundation Bank offers an online savings account that provides a decent yield for those looking to diversify their banking. It is a good, reliable option for savers who want to move money away f...

6.8 Fair
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23 Paramount Bank Savings Account
Paramount Bank Savings Account

Paramount Bank offers a competitive APY with tiered rates based on balance. The account has no monthly fees but requires a minimum balance to avoid fees. Paramount Bank provides a straightforward onli...

6.5 Fair
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24 First National Bank & Trust Savings
First National Bank & Trust Savings

First National Bank & Trust offers a savings account with a competitive rate, particularly attractive for those in their regional service area. The account has no monthly fees but may have minimum bal...

6.0 Fair
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25 U.S. Bank Savings Account
U.S. Bank Savings Account

U.S. Bank offers a savings account with a relatively low APY, but provides the convenience of branch access and a wide range of banking services. The account has no minimum balance requirements. U.S....

5.5 Average
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26 Popular Direct Online Savings
Popular Direct Online Savings

Popular Direct offers a high-yield savings account that is often marketed with very competitive rates. However, the user experience is frequently cited as a pain point, with reports of clunky website...

4.5 Poor
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