Best High-Yield Savings Accounts
Marcus is the simplest good choice: no fees, no minimum, consistently near the top of the rate tables. Pick SoFi instead if you want checking in the same app, and Ally if you want savings buckets to separate goals.
Best High-Yield Savings Accounts
$20 a year
SoFi Checking and Savings against the most expensive of these. Tell us what you pay now for your real saving.
- Best for your situation
- SoFi Checking and Savings — SoFi
- You would earn
- $420 a year
- Compared against
- 4 offers
We may be paid if you apply. It does not change the ranking above.
Compared side by side
4 compared on the 3 things that decide it. A blank cell means we could not confirm the answer, not that the answer is no.
| Provider | APY | Monthly fee | Minimum deposit |
|---|---|---|---|
 SoFi Checking and Savings Best all-in-one | 4.20% | $0 | $0 |
 Marcus Online Savings Best overall | 4.10% | $0 | $0 |
 Ally Online Savings Best for organising goals | 4.00% | $0 | $0 |
| Discover Online Savings Best established brand | — | — | — |
Every offer, priced the same way
Ranked by what it costs you over a year. The arithmetic behind each figure is shown so you can check it. Offers we could not price are listed at the bottom with the reason.
1. SoFi Checking and Savings — SoFi
$420 a year
Best all-in-one
Checking and savings together, with a higher rate if you set up direct deposit.
$20 a year cheaper than the most expensive here.
- Interest on $10,000 at 4.2%
- $420
In its favour
- No fees
- Strong APY
Against it
- No branches
Priced from national figures. Last checked September 4, 2026.
Go to SoFi Checking and Savings ↗2. Marcus Online Savings — Goldman Sachs
$410 a year
Best overall
No fees, no minimum, and a rate that stays competitive rather than spiking and fading.
$10 a year cheaper than the most expensive here.
- Interest on $10,000 at 4.1%
- $410
In its favour
- No fees
- Strong APY
Against it
- No branches
Priced from national figures. Last checked September 4, 2026.
Go to Marcus Online Savings ↗3. Ally Online Savings — Ally Bank
$400 a year
Best for organising goals
Savings buckets let you split one balance across separate goals without opening more accounts.
- Interest on $10,000 at 4%
- $400
In its favour
- No fees
- Strong APY
Against it
- No branches
Priced from national figures. Last checked September 4, 2026.
Go to Ally Online Savings ↗4. Discover Online Savings — Discover
Best established brand
No fees and no minimum from a bank most people already recognise.
No APY on file, so this one is not ranked.
Priced from national figures.
How we ranked these
We rank on the published APY, monthly fees, minimum opening deposit and minimum balance to earn the rate. Accounts with a promotional rate that drops after a few months are ranked on the ongoing rate, not the teaser. Rates are rechecked monthly.