AdminBest High-Yield Savings Accounts of 2026: Compare Online Savings Rates Up to 5% APY, High Interest Rates and FDIC Insurance
One thing I have come to understand is that if you truly want your money to work harder, a high-yield savings account is one of the simplest places to start. Today’s best rate comes from Axos Bank, which offers up to 5% APY for six months when you have a linked checking account and meet certain deposit requirements. If you would rather keep things simple, Peak Bank offers a 4.27% APY with fewer strings attached.
How to Earn the Top Savings Account Rate at Axos Bank
Axos gives you two ways to qualify for its 5% promotional rate. Both require a linked Axos checking account.
- Option 1: Maintain a $1,500 average daily balance and receive at least $1,500 in monthly direct deposits.
- Option 2: Maintain a $5,000 average daily balance and receive at least $5,000 per month through transfers or check deposits.
After six months, the rate drops to the account’s standard APY, which is currently 4.21%. That is still a strong return compared with a traditional bank savings account, so it pays to check the terms before you open.
Best No-Fee Savings Account: Peak Bank
Peak Bank is a good fit if you want a high APY without chasing requirements. You can open an account with just $100. The standard rate is 4.27% APY, and there are no monthly maintenance fees. That makes it an easy pick for anyone building an emergency fund or saving toward a short-term goal.
How We Picked the Best Online Savings Accounts
We researched more than 110 savings accounts to find the strongest options. The best high-yield savings accounts pay annual percentage yields, or APYs, far above what most banks offer. The higher the APY, the faster your savings grow, so even a small rate difference can add up over time.
When you compare savings rates, look at the APY, the minimum deposit, monthly fees, and any requirements for earning a promotional rate.
APYs shown are current as of 2026. All other information is current as of 2026.
How Much Interest Can You Earn With a High-Yield Savings Account?
The math is simple, and the gap is bigger than most people expect. Here is an example using $10,000 in savings for one year:
- Peak Bank at 4.27% APY: about $427 in interest
- A traditional savings account at 0.50% APY (example rate): about $50 in interest
That is roughly $377 more, just for choosing a better savings account. The Axos Bank promotional rate of 5% APY works out to about $247 over the first six months on the same balance, before the rate returns to its standard 4.21%.
Use a savings calculator to plug in your own balance and see what you could earn. Your actual interest will vary if rates change or you add money over time.
High-Yield Savings vs. Traditional Savings Account
A traditional savings account at a big brick-and-mortar bank is convenient, but it usually pays very little. Online banks tend to offer higher APYs because they do not have the overhead of physical branches, and they often pass those savings on to you.
Here is what usually separates the two:
- Interest rate: High-yield accounts pay far more.
- Fees: Many online savings accounts have no monthly maintenance fees.
- Access: Online banks rely on transfers and apps instead of branches.
If you are happy managing your money online, switching is one of the easiest ways to earn more without taking on any risk.
Are High-Yield Savings Accounts Safe?
Yes, as long as the bank is federally insured. The FDIC generally insures deposits up to $250,000 per depositor, per insured bank, for each account ownership category. Before you open any account, confirm that the bank is FDIC insured on the bank’s own website or at the FDIC’s BankFind tool.
Best Savings Accounts for an Emergency Fund
An emergency fund is the most popular reason to open a high-yield savings account, and for good reason. Your money stays liquid, it earns a competitive rate, and you can reach it when something unexpected comes up.
A common rule of thumb is to save three to six months of living expenses. Look for an account with no monthly fees, a low opening deposit, and no penalty for withdrawals. Peak Bank’s $100 minimum and lack of maintenance fees make it a practical choice for building that cushion.
High-Yield Savings Account vs. CD vs. Money Market Account
A high-yield savings account is not your only option for growing cash, so here is how the main choices compare.
- High-yield savings account: Flexible access, and the rate can change at any time.
- Certificate of deposit (CD): You lock in a fixed rate for a set term, but you may pay a penalty if you withdraw early.
- Money market account: Often combines savings-like interest with check-writing or debit card access.
If you want flexibility, a savings account is usually the best starting point. If you know you will not need the money for a while, a CD may be worth comparing.
How to Open a High-Yield Savings Account
Opening an online savings account usually takes only a few minutes.
- Compare APYs, fees, and minimums across several banks.
- Check for promotional requirements, like the linked checking account and deposit rules at Axos Bank.
- Apply online with your Social Security number, a valid ID, and your contact information.
- Fund the account with a transfer from your existing bank.
- Set up automatic deposits so your savings keep growing without extra effort.
Frequently Asked Questions About High-Yield Savings Accounts
What is the best high-yield savings account right now?
Axos Bank offers the top rate at up to 5% APY for six months, provided you meet its linked checking and deposit requirements. Peak Bank offers 4.27% APY with fewer requirements.
Is a high-yield savings account worth it?
For most savers, yes. The extra interest adds up quickly compared with a standard account, especially on larger balances.
Can the APY change?
Yes. Savings rates are variable, so the bank can raise or lower them at any time.
Is the interest I earn taxable?
Interest on savings accounts is generally taxable as income. Check with a tax professional about your situation.
Best High-Yield Savings Accounts for Seniors
If you are retired or close to it, a high-yield savings account is a smart place to keep cash you want to protect. You get a competitive rate, easy access, and no need to watch the stock market. That makes it a good home for money you expect to spend in the next few years, like funds for travel, home repairs, or medical costs.
When you compare savings accounts for retirement income and cash reserves, here is what to look for:
- A strong APY with no monthly fees, so your balance is not slowly eaten away.
- Easy access, including phone support or a simple mobile app if that is how you prefer to bank.
- Low or no minimum balance, which gives you room to move money when you need to.
- FDIC insurance, which protects your deposits up to the coverage limit.
Peak Bank is worth a look here. It offers a 4.27% APY, a $100 minimum to open, and no monthly maintenance fees. Axos Bank can pay more with its 5% promotional rate, but the deposit requirements may be harder to meet if your income comes mainly from Social Security or a pension, so read the terms carefully first.
Best Savings Accounts for Beginners
If you have never opened a high-yield savings account before, the good news is that it is easier than it sounds. You do not need a lot of money or any special knowledge to get started.
The best savings account for a beginner is one that keeps things simple. Look for an account with a low opening deposit, no monthly fees, and no complicated rules for earning the advertised rate.
Peak Bank fits that description well. You can open an account with $100, the standard rate is 4.27% APY, and there are no monthly maintenance fees. There are no promotional hoops to jump through, so what you see is what you earn.
A few tips to help you get started:
- Start small. Even $100 begins earning interest right away.
- Automate your savings. Set up a recurring transfer each payday so saving happens without effort.
- Pick one goal. Whether it is an emergency fund, a vacation, or a down payment, a clear target keeps you motivated.
- Check your rate now and then. Savings rates are variable, so it helps to review yours a few times a year.
Best Savings Accounts for Kids and Teens
Teaching a child to save is one of the best money lessons you can give, and a high-yield savings account makes it more rewarding. Watching a balance grow from interest is far more motivating than a piggy bank that never changes.
Minors usually cannot open a bank account on their own, so most families choose one of two routes:
- Custodial savings account: An adult opens and manages the account for the child. The money belongs to the child, and control passes to them when they reach the age of majority in your state.
- Joint account with a parent: The parent and teen share access, which lets you teach good habits while keeping an eye on activity.
When you compare youth savings accounts, look for a low minimum deposit, no monthly fees, and a competitive APY. Not every bank offers accounts for minors, so check each bank’s requirements before you apply. For comparison, Peak Bank’s 4.27% APY on $1,000 would earn about $43 in a year, which is a nice real-world example to show a teen how interest works.
Tips for getting kids involved:
- Let them watch the balance. Seeing interest show up builds excitement.
- Match their deposits. Offering to add 25 cents for every dollar they save encourages the habit.
- Set a goal. A new bike, a gaming console, or a first car gives them a reason to keep going.
Best Joint High-Yield Savings Accounts
A joint savings account lets two people share one pool of money, which makes it a popular choice for couples, spouses, and family members saving toward a shared goal. Both owners can usually deposit, withdraw, and track the balance.
A joint account works well for:
- Household emergency funds
- Vacations and big purchases
- Wedding or home-related savings
- Caring for a family member
Before you open one, talk through a few ground rules. Decide how much each person will contribute, when it is okay to withdraw, and what happens to the account if your situation changes. Because both owners generally have full access, trust and communication matter.
As you compare joint savings accounts, look at the APY, minimum deposit, monthly fees, and whether the bank allows joint ownership at all. Also check how any promotional rate works. For example, the Axos Bank 5% rate requires a linked checking account and specific deposit levels, so confirm how those rules apply to joint accounts before you apply.
Best Savings Accounts for a Down Payment
Saving for a home is a big goal, and where you keep the money matters. A down payment fund should be safe and easy to reach, which is exactly what a high-yield savings account offers. Unlike the stock market, your balance will not drop right when you are ready to buy.
Here is a quick example. If you save $10,000 and earn Peak Bank’s 4.27% APY, you would collect about $427 in interest over one year. That is extra money toward closing costs or moving expenses, and it adds up faster the more you deposit.
To build your down payment fund faster:
- Set a target amount and a deadline. Knowing your number makes the plan real.
- Automate monthly transfers. Treat your savings like a bill you pay yourself first.
- Add windfalls. Tax refunds, bonuses, and side income can give your balance a big boost.
- Keep the money separate. A dedicated account for your down payment makes it harder to spend by accident.
- Watch the rate. Savings APYs are variable, so review your account regularly and compare other options.
If you plan to buy within a couple of years, a high-yield savings account is usually the safest place to keep your down payment money. If your timeline is longer, you might also compare CD rates.
Best Business Savings Accounts for Small Business Owners
If you run a small business, keeping your cash in a high-yield business savings account is a smart way to put idle money to work. Money sitting in a standard business checking account usually earns little or nothing, so moving your reserves into a savings account can add up over time.
A business savings account works well for:
- An operating reserve to cover payroll, rent, and supplies during a slow month
- Tax savings, so you are not scrambling when quarterly payments come due
- Equipment or expansion funds
- Seasonal cushions for businesses with uneven income
When you compare business savings accounts, look at these features:
- APY: A higher rate means your reserves grow faster.
- Monthly fees: Some business accounts charge maintenance fees that can cancel out your interest.
- Minimum balance: Check both the opening deposit and any balance needed to earn the advertised rate.
- Linked business checking: Some banks require it, and others let you open a savings account on its own.
- FDIC insurance: Confirm that your deposits are covered up to the limit.
To open a business savings account, most banks ask for your business name, your EIN or Social Security number if you are a sole proprietor, and formation documents if you operate as an LLC or corporation. Keeping business and personal money separate also makes bookkeeping and tax time much easier.
The Axos Bank and Peak Bank rates covered above are for personal savings accounts. Check each bank’s business offerings and terms directly before you assume the same rates apply.
Best No-Minimum-Balance Savings Accounts
A no-minimum-balance savings account is a great fit if you are just getting started or your income is unpredictable. You can open the account without a large deposit and keep it without worrying about a monthly penalty.
Before you choose, it helps to know that “minimum balance” can mean three different things:
- Minimum to open: The deposit you need to start the account.
- Minimum to earn the APY: Some banks only pay the top rate above a certain balance.
- Minimum to avoid fees: Some accounts charge a monthly fee if your balance falls too low.
An account can have a low opening deposit and still charge a fee later, so read the fine print on all three. For example, Peak Bank asks for $100 to open an account but charges no monthly maintenance fees, which makes it a low-barrier option for many savers. The Axos Bank 5% promotional rate, on the other hand, requires specific average daily balances and deposits, so it is better suited to people who can meet those targets.
If you are building savings from scratch, here is how to make the most of a low-minimum account:
- Start with whatever you can. Interest begins as soon as the money is in.
- Automate small transfers. Even $25 per paycheck builds momentum.
- Avoid unnecessary withdrawals. Treat the account as a true savings pot.
- Review your balance goals. As your savings grow, compare rates again to make sure you are still earning a competitive APY.
Best Savings Accounts for Students
College comes with plenty of expenses, and a high-yield savings account is a simple way to keep your money organized while it earns a little extra. It is a good home for tuition payments, textbook money, rent deposits, and that just-in-case cushion every student needs.
When you compare student savings accounts, focus on what matters most on a tight budget:
- No monthly fees, so your balance is not shrinking while you study.
- A low opening deposit, since most students are not starting with much.
- A solid mobile app, so you can check your balance and move money from your phone.
- A competitive APY, because even small balances earn more at a higher rate.
Here is a quick example. If you keep $500 in an account earning Peak Bank’s 4.27% APY, you would earn about $21 in a year. It is not life-changing money, but it beats the nothing you would earn in a basic checking account, and it grows as you add more.
A few habits can help you build savings while you are in school:
- Separate your spending money from your savings. Keep daily expenses in checking and park the rest in savings.
- Save part of every deposit. Financial aid refunds, a summer job, or a gift from family can all be split between spending and saving.
- Build a small emergency fund early. A broken laptop or a surprise flight home is much less stressful when you have a cushion.
Best Savings Accounts for Retirement Planning
A high-yield savings account is not a replacement for a retirement account, but it plays an important supporting role. Money you plan to use in the near term, such as an emergency fund, a year or two of living expenses, or cash set aside for big costs, is often better off in a stable savings account than in the stock market.
Many people use savings accounts alongside their other retirement tools in a few ways:
- Emergency reserves, so you do not have to dip into long-term investments during a bad market.
- Short-term spending cash, for expenses you expect in the next one to three years.
- A landing spot for rollovers or windfalls, while you decide where the money should go next.
If you are saving specifically for retirement, it is also worth knowing that some banks offer IRA savings accounts, which have their own contribution limits and tax rules. Talk with a financial advisor or tax professional to find the right mix for your age, income, and goals.
For the cash portion of your plan, compare the APY, fees, and access you need. Peak Bank’s 4.27% APY with no monthly maintenance fees is a straightforward option, while the Axos Bank 5% promotional rate can pay more if you can meet its balance and deposit requirements.
Ready to Start Earning More on Your Savings?
The best high-yield savings account is the one that fits your life. If you can meet the deposit requirements, Axos Bank’s promotional rate of up to 5% APY is hard to beat for six months. If you want something simpler, Peak Bank’s 4.27% APY, $100 opening deposit, and no monthly maintenance fees make it easy to get started.
Whichever way you go, the key is not to wait. Every month your money sits in a low-rate account is interest you will never get back. Compare your options, check the terms, and open an account today so your savings can start working for you.
Best High-Yield Savings Accounts of 2026: APY Rates, Bank Bonuses and FDIC-Insured Options
Choosing the right high-yield savings account involves more than finding the highest advertised interest rate. The best option for your money depends on the annual percentage yield (APY), minimum balance requirements, monthly maintenance fees, promotional offers, withdrawal access, and eligibility rules.
Some online banks offer competitive savings rates without requiring a large opening deposit. Others provide cash bonuses, temporary APY boosts, or combined checking and savings accounts that make everyday banking more convenient. If you are comparing high-interest savings accounts, make sure you understand the standard rate as well as any introductory offer.
The following accounts represent a range of options based on the supplied 2026 figures. Rates, bonuses, and eligibility requirements can change, so verify the latest terms on each bank’s official website before applying.
Best High-Yield Savings Accounts Compared
| Bank or financial institution | Advertised APY | Minimum balance or requirement | Bonus or special feature |
|---|---|---|---|
| SoFi Checking and Savings | Up to 4.40% | $0 minimum balance to earn APY; eligibility conditions apply | Up to $400 cash bonus and an additional 1.10% APY boost, subject to terms |
| E*TRADE Premium Savings | 4.25% for 6 months | $0 minimum balance to earn APY | Up to $800 promotional offer, subject to requirements |
| Openbank High Yield Savings | Up to 4.35% | $500 minimum balance for the stated APY | Standalone high-yield savings account |
| EverBank Performance Savings | 4.20% | $0 minimum balance to earn APY | Competitive ongoing savings rate |
| Capital One 360 Performance Savings | 3.20% | $0 minimum balance to earn APY | Access to in-person banking services |
| Happen Bank LevelUp Savings | 4.20% | $0 minimum balance to earn APY | Savings rate designed around APY boosts |
| CIT Bank Platinum Savings | Up to 4.25% | $5,000 minimum balance for the stated APY | Promotional 0.50% APY boost, subject to terms |
| Marcus by Goldman Sachs Online Savings | 3.50% | $0 minimum balance to earn APY | Online savings account from Goldman Sachs Bank USA |
| Forbright Bank Growth Savings | 3.85% | $0 minimum balance to earn APY | Savings account from a bank with an environmental mission |
| Bask Interest Savings | 3.90% base rate | Confirm current account requirements | Potential additional rate benefit of up to 0.40%, subject to eligibility |
| Bread Savings High-Yield Savings | 4.05% | $100 minimum balance for the stated APY | Straightforward online savings option |
| Barclays Tiered Savings | 3.50% | $0 minimum balance to earn APY | $200 bonus for qualifying activities |
| Axos ONE Savings | Up to 5.00% | $1,500 average daily balance and $1,500 monthly direct deposits under the stated qualifying option | High promotional APY with eligibility conditions |
| Live Oak Bank High-Yield Personal Savings | 4.00% | $0.01 minimum balance to earn APY | Interest-bearing online savings account |
Rates and promotional details above reflect the information supplied for this article, not independently verified live offers. APYs are variable unless otherwise stated, and promotional rates, bonuses, balance requirements, and eligibility conditions may change.
1. SoFi Checking and Savings: Best for Combining Checking and Savings
SoFi Checking and Savings is designed for customers who want to manage everyday spending and savings through one banking relationship. Instead of maintaining separate accounts at different institutions, eligible customers can use the checking account for routine transactions and the savings account to earn interest on money set aside for future expenses.
The supplied offer advertises up to 4.40% APY, together with a promotional cash bonus of up to $400 and an additional APY boost. These promotional benefits are subject to eligibility rules, so customers should check the current offer details before opening an account.
The standard savings rate in the supplied account description is 3.30% APY, while the checking balance earns 0.50% APY. Both rates are variable and can change. The rate available to a customer may depend on qualifying direct deposits, eligible deposits through other accepted methods, or SoFi Plus membership.
Customers who do not meet the stated eligibility conditions may receive a lower savings APY. This makes it important to compare the standard rate with the advertised promotional rate when estimating potential interest income.
Key features
- No minimum deposit to open the account, according to the supplied information.
- No monthly maintenance fee.
- Combined checking and savings functionality.
- Savings Vaults for organizing money around separate financial goals.
- Promotional cash bonuses and APY boosts when eligibility requirements are met.
Who should consider it?
SoFi may suit customers who want an integrated online checking and savings account, particularly those who receive regular direct deposits and prefer to manage their finances through a mobile banking platform.
Before applying, compare the account’s ongoing APY with other high-yield savings account rates. A large introductory offer can be attractive, but the standard interest rate and the requirements needed to qualify may have a greater effect on your long-term savings.
2. E*TRADE Premium Savings: Best for Linking Savings With Investments
E*TRADE Premium Savings may appeal to customers who already use investment accounts and want a separate place to hold cash reserves. The supplied information lists a promotional APY of 4.25% for six months and a potential bonus of up to $800, subject to qualifying conditions.
A temporary savings rate can help increase interest earnings during the promotional period. However, customers should determine what APY applies afterward and whether the bonus requires a qualifying deposit, minimum balance, or other account activity.
When comparing this account with competing online savings accounts, review the full promotional terms rather than focusing exclusively on the introductory percentage.
Who should consider it?
This account may be worth comparing if you want to keep savings alongside an investment relationship. However, emergency savings should remain accessible and separate from investments that may fluctuate in value.
3. Openbank High Yield Savings: Best for a Standalone Savings Account
Openbank High Yield Savings is presented as a standalone savings option with an advertised APY of up to 4.35%. The supplied information states that a $500 minimum balance is required to earn the listed APY.
For customers who do not need a combined checking account, a dedicated savings product can make it easier to separate emergency funds, future purchases, and other savings goals from everyday spending.
Before opening an account, check the minimum opening deposit, the balance needed to qualify for the advertised rate, transfer arrangements, and any restrictions that may apply to withdrawals or account access.
Who should consider it?
Openbank may be suitable for savers who want a dedicated interest-bearing account and can maintain the required balance. Compare its ongoing APY with other FDIC-insured savings accounts to determine whether the rate remains competitive after promotional conditions are considered.
4. EverBank Performance Savings: Best for a Competitive Savings Rate
EverBank Performance Savings is listed with a 4.20% APY and no minimum balance requirement to earn the stated rate. For savers who want to avoid maintaining a large balance just to qualify for interest, this structure may be attractive.
The key consideration is whether the rate remains competitive over time. Savings APYs can change in response to market conditions and decisions made by individual banks, so today’s rate should not be treated as a permanent return.
Who should consider it?
This account may appeal to customers looking for a straightforward savings product without a high minimum balance requirement. Compare the current APY, transfer options, account fees, and applicable deposit insurance before making a decision.
5. Capital One 360 Performance Savings: Best for In-Person Banking Access
Capital One 360 Performance Savings is listed with a 3.20% APY and no minimum balance requirement to earn the stated rate. One potential advantage is access to certain in-person banking services, which may appeal to customers who prefer more than a digital-only relationship.
The trade-off is the advertised rate. If your primary objective is to maximize interest income, compare Capital One’s current offer with accounts advertising higher APYs.
Who should consider it?
This account may suit customers who value a combination of online banking and access to in-person services. However, a higher advertised APY elsewhere may produce more interest on the same deposit, assuming the rate and eligibility conditions remain applicable.
6. Happen Bank LevelUp Savings: Best for APY Boost Features
Happen Bank LevelUp Savings is listed with a 4.20% APY and no minimum balance requirement to earn the stated rate. Its positioning emphasizes APY boosts, which means customers should pay close attention to the requirements governing the advertised interest rate.
Before choosing an account with a boosted rate, determine whether the APY is available to every eligible customer or requires specific account activity. Also check how long any promotional rate lasts and what rate applies when the promotion ends.
Who should consider it?
It may be worth comparing for customers who want a competitive savings rate without a high balance threshold. Review the current account agreement to understand the rate structure and avoid relying on promotional terms that may not apply to your circumstances.
7. CIT Bank Platinum Savings: Best for Savers With Larger Balances
CIT Bank Platinum Savings is listed with an APY of up to 4.25%, subject to a stated minimum balance of $5,000. The supplied information also includes a promotional APY boost, which is subject to the account’s terms.
A higher balance requirement can affect the value of an account. If you have less than the qualifying amount, you may receive a different rate or find that another savings product is more suitable.
Who should consider it?
This account may be worth evaluating if you have at least $5,000 available for savings and can meet the relevant conditions. Compare the qualifying APY with alternatives that offer competitive interest rates without requiring a large minimum balance.
8. Marcus by Goldman Sachs Online Savings: Best for Comparing Established Online Savings Options
Marcus by Goldman Sachs Online Savings is listed with a 3.50% APY and no minimum balance requirement to earn the stated rate. The account is an option for customers who want to compare an online savings product offered by Goldman Sachs Bank USA.
As with any variable-rate savings account, the important question is how much interest you can reasonably expect under the current terms, not simply the institution’s name or reputation.
Who should consider it?
Marcus may be worth considering if you prefer an online savings account and want to compare its current rate, transfer features, and account requirements with other providers. Review the latest APY before moving money from an existing savings account.
9. Forbright Bank Growth Savings: Best for Savers Interested in an Environmental Mission
Forbright Bank Growth Savings is listed with a 3.85% APY and no minimum balance requirement to earn the stated rate. The institution also emphasizes an environmental mission.
Customers evaluating this account should weigh that positioning alongside the practical details of saving: the APY, account fees, access to funds, and deposit insurance eligibility.
Who should consider it?
It may appeal to customers who want to consider a bank’s broader mission as well as its financial products. If maximizing interest is your priority, compare the current rate with higher-paying savings accounts and calculate the difference in potential annual earnings.
10. Bask Interest Savings: Best for Comparing Base Rates and Rate Incentives
Bask Interest Savings is listed with a 3.90% base rate and a possible additional rate benefit of up to 0.40%, subject to eligibility and terms.
When an account advertises a base rate plus a potential boost, check whether the extra interest is automatic or depends on specific conditions. It is also useful to determine whether the boost is temporary or ongoing.
Who should consider it?
This account may interest savers who want to compare the standard rate with available incentives. Use the base APY when estimating earnings unless you have confirmed that you qualify for the additional benefit.
11. Bread Savings High-Yield Savings Account: Best for Straightforward Online Saving
Bread Savings High-Yield Savings is listed with a 4.05% APY and a $100 minimum balance requirement for the stated rate. Its straightforward structure may appeal to customers who prefer a dedicated savings account rather than a bundle of checking, savings, and other services.
Before applying, confirm the minimum opening deposit, minimum balance required to earn the advertised APY, and any account fees or transfer restrictions.
Who should consider it?
This account may be suitable for savers who can meet the stated balance requirement and want to compare a simple online savings product with other high-interest accounts.
12. Barclays Tiered Savings: Best for Online Savings Tools
Barclays Tiered Savings is listed with a 3.50% APY, no minimum balance requirement to earn the stated rate, and a potential $200 bonus for qualifying activities.
The term tiered savings can indicate that different balances qualify for different rates, so check the current rate schedule to understand how your balance affects the interest you receive. Confirm the bonus conditions as well.
Who should consider it?
This account may be worth comparing if you want online savings tools and a potential promotional bonus. Do not assume the bonus is guaranteed: eligibility requirements and qualifying activities must be satisfied.
13. Axos ONE Savings: Best for a High Promotional APY
Axos ONE Savings is listed with a promotional APY of up to 5.00%. The supplied terms state that a qualifying option requires a $1,500 average daily balance and at least $1,500 in monthly direct deposits. Other qualifying arrangements may have different requirements.
This distinction matters because the highest advertised savings rate may not be available to every customer. A promotional APY can also expire, after which the account earns its standard variable rate.
Who should consider it?
Axos may be attractive to customers who can meet the qualifying deposit and balance requirements. Before opening the account, compare the promotional period, standard APY, monthly activity requirements, and potential fees with other high-interest bank accounts.
14. Live Oak Bank High-Yield Personal Savings: Best for a Low Minimum Balance
Live Oak Bank High-Yield Personal Savings is listed with a 4.00% APY and a minimum balance of $0.01 to earn the stated rate.
A low minimum balance can make a savings account accessible to people who are starting with a small deposit or building an emergency fund gradually. However, the APY is only one factor. Customers should also check transfer times, access to funds, and whether the rate is competitive with other accounts.
Who should consider it?
This account may suit savers who want to begin with a small deposit while earning interest. Compare the latest APY and account terms before deciding where to keep your cash reserves.
How Much Interest Can You Earn With a High-Yield Savings Account?
The amount of interest you earn depends on your opening deposit, additional contributions, APY, compounding, fees, and how long you leave the money in the account.
For example, consider a hypothetical savings plan with:
- Initial deposit: $10,000
- Monthly contribution: $250
- Assumed APY: 5%
- Savings period: 10 years
The result depends on how deposits are timed and how interest compounds. A savings calculator can help estimate your potential account balance, but projections are not guaranteed because savings rates are variable and may change during the period.
When comparing high-yield savings account interest, use the same deposit amount, monthly contribution, and time period for each account. This makes it easier to see how different APYs may affect your potential returns.
Also account for eligibility requirements. If a bank offers 5% APY only on qualifying balances or for a limited promotional period, applying that rate to the full balance for ten years would overstate the likely return.
What to Check Before Opening a High-Yield Savings Account
Before moving your money, compare these important account features:
- Current APY: Confirm the rate currently available to new customers and whether it is variable or promotional.
- Minimum deposit: Check the amount required to open the account and the balance needed to earn the advertised rate.
- Monthly maintenance fees: Look for recurring fees that could reduce your interest earnings.
- Cash bonus requirements: Read the conditions for earning any advertised bank account bonus.
- FDIC insurance: Confirm that the bank and account qualify for deposit insurance and understand applicable coverage limits.
- Transfer and withdrawal access: Check how quickly you can move money to an external bank account and whether any restrictions apply.
- Rate after a promotion: Find out what APY applies when the introductory offer ends.
- Account eligibility: Confirm residency, identification, funding, and other requirements before applying.
The highest advertised APY is not always the best account for every saver. A slightly lower rate with no monthly fees and fewer conditions may be more practical than a promotional offer that requires substantial deposits or ongoing account activity.
E*TRADE Premium Savings: Best High-Yield Savings Account for Linking to Investment Accounts
Promotional APY: 4.25% for six months, according to the supplied 2026 information
The E*TRADE Premium Savings account may be a suitable option for customers who want to keep their cash savings alongside their investment accounts. Offered through Morgan Stanley Private Bank, National Association, the account combines an interest-bearing savings option with digital tools for monitoring balances and transferring funds electronically.
The supplied offer lists a promotional 4.25% annual percentage yield (APY) for six months, with a potential bonus of up to $800 for customers who meet the applicable requirements. The stated standard APY after the promotional period is 3.75%. These rates and offers can change, so confirm the current terms before opening an account.
For customers comparing high-yield savings accounts, the main attraction is the ability to earn interest on cash without paying a monthly maintenance fee, while also managing eligible E*TRADE securities accounts through the institution’s digital services.
Key Features of E*TRADE Premium Savings
- Promotional savings rate: The supplied information lists a 4.25% APY for six months.
- Standard APY: The stated ongoing rate is 3.75%, subject to change.
- Minimum balance: No minimum balance is required to earn the stated APY under the supplied terms.
- Monthly maintenance fee: The account is described as having no monthly fee.
- Potential cash bonus: Up to $800 may be available to eligible customers who satisfy the offer conditions.
- Digital account management: Customers can review balances and initiate electronic transfers through the institution’s digital banking tools.
- Deposit protection: The account is offered through Morgan Stanley Private Bank, National Association, Member FDIC, subject to applicable coverage rules.
What to Consider Before Opening an Account
A promotional high-interest savings rate can help increase interest earnings, but it is important to understand what happens when the introductory period ends. With the supplied figures, the APY drops from 4.25% to a stated standard rate of 3.75% after six months. Because savings rates are variable, neither rate should be treated as guaranteed for the long term.
You should also review the bonus requirements carefully. A headline offer of up to $800 does not necessarily mean every new customer will qualify for the full amount. Check any required deposit amounts, funding deadlines, account-opening conditions, and minimum holding periods.
External bank transfers are another consideration. If you frequently move money between savings and checking accounts at different institutions, confirm the expected transfer time and any applicable restrictions.
Best for: Customers who want an online savings account connected to their broader investment relationship and who are comfortable monitoring promotional rates and bonus conditions.
Openbank High Yield Savings: Best Standalone Online Savings Account
Advertised APY: Up to 4.35%, according to the supplied 2026 information
Openbank High Yield Savings is designed for customers who want a dedicated place to keep savings separate from everyday spending. Offered by Openbank, through Santander Bank, N.A., the account provides online access to balances and electronic transfers without requiring customers to manage a combined checking and savings product.
The supplied information lists an APY of up to 4.35%, with a $500 minimum opening deposit and no monthly maintenance fee. Since the advertised rate is expressed as “up to” 4.35%, review the account’s current rate conditions to confirm the APY available to your balance.
Key Features of Openbank High Yield Savings
- Competitive APY: Advertised at up to 4.35% in the supplied information.
- Opening deposit: At least $500 is required to open the account.
- Monthly fees: No monthly maintenance fee is listed in the supplied account description.
- Mobile banking: Customers can check balances and initiate online transfers.
- Standalone savings: Useful for separating emergency savings and other financial goals from regular spending.
- Bank relationship: Offered through Santander Bank, N.A., Member FDIC, subject to applicable deposit insurance rules.
Why Compare Openbank With Other High-Yield Savings Accounts?
A standalone savings account can make it easier to build an emergency fund, save for a home deposit, prepare for tuition expenses, or set money aside for a major purchase. Keeping savings separate from your main checking account may also help reduce unnecessary spending.
However, the advertised APY is only one part of the decision. Compare the opening deposit, ongoing interest rate, external transfer options, account access, and any restrictions that may affect your ability to use the funds when needed.
For customers searching for the best online savings accounts, it is worth checking whether the highest advertised rate applies to the entire eligible balance and whether the bank can change that rate.
Best for: Savers who want a dedicated online account, can meet the $500 opening deposit requirement, and prefer to keep savings separate from daily transactions.
EverBank Performance Savings: Best for a Competitive Savings APY
Advertised APY: 4.20%, according to the supplied 2026 information
EverBank Performance Savings is an option for customers who want to earn interest on their cash without maintaining a large minimum balance. The supplied account information lists a 4.20% APY and no minimum balance requirement to earn the stated rate.
For someone earning very little interest in a traditional savings account, moving eligible funds to a competitive high-yield savings account could increase interest income without requiring additional monthly contributions. The actual benefit depends on the balance, the APY available to the customer, and how long the money remains in the account.
EverBank notes that its advertised APY for new accounts may not apply to existing customers. This is an important distinction when comparing offers because a rate advertised to new applicants may differ from the rate on an account already open.
Key Features of EverBank Performance Savings
- Advertised APY: 4.20% in the supplied information.
- Minimum balance: No minimum balance is required to earn the stated APY under the supplied terms.
- Interest earnings: Offers a way to earn interest on cash set aside for savings goals.
- New-account rate conditions: The advertised APY may apply only to newly opened accounts.
- Deposit insurance: Offered through EverBank, N.A., Member FDIC, subject to applicable coverage rules.
Is EverBank a Good Choice for Your Savings?
EverBank may be worth considering if you want a competitive interest rate without a high minimum balance threshold. Before switching banks, compare the current APY with your existing account and calculate the difference in potential annual interest.
For example, a higher APY generally produces more interest on the same eligible balance, assuming the rates remain unchanged. But a variable savings rate can rise or fall, so projected earnings should not be treated as guaranteed returns.
Also review how external transfers work, how long deposits take to become available, and how easily you can access your money in an emergency.
Best for: Customers looking for a competitive savings rate without a large minimum balance requirement, particularly those comparing alternatives to low-interest traditional bank accounts.
Capital One 360 Performance Savings: Best for Access to In-Person Banking Services
Advertised APY: 3.20%, according to the supplied 2026 information
Capital One 360 Performance Savings may appeal to customers who want the convenience of online banking while retaining access to certain in-person services. Unlike savings products offered exclusively through digital channels, Capital One has physical locations where eligible customers can access selected banking services.
The supplied information lists a 3.20% APY, no minimum opening deposit, and no monthly maintenance fee. The account is described as paying the same rate across eligible balances rather than requiring customers to maintain a particular balance tier to qualify for a higher APY.
Capital One also offers checking products, which may be useful for customers who want to manage everyday spending and savings through the same banking provider.
Key Features of Capital One 360 Performance Savings
- Advertised APY: 3.20% in the supplied information.
- Minimum opening deposit: None listed.
- Monthly maintenance fee: None listed in the supplied account details.
- Online account access: Manage eligible banking activities digitally.
- In-person services: Certain services may be available through Capital One locations.
- Related checking options: Customers can compare eligible checking accounts offered by the bank.
What Should You Consider?
The main trade-off is the advertised interest rate. If your primary goal is maximizing savings interest, compare Capital One’s current APY with accounts offering higher rates.
A slightly lower APY may still be acceptable if you value convenient access, a straightforward fee structure, or a combined banking relationship. The right choice depends on how you use your account and whether the convenience is worth any difference in potential interest earnings.
Before opening an account, verify current rates, available branch services, electronic transfer options, and the account’s deposit insurance coverage.
Best for: Customers who want an online savings account from a bank that also provides selected in-person banking services.
Happen Bank LevelUp Savings: Best for Savings Rate Boosts
Advertised APY: 4.20% when qualifying deposit conditions are met, according to the supplied information
Happen Bank LevelUp Savings uses a deposit-based qualification structure that can affect the interest rate customers earn. According to the supplied information, eligible customers can earn 4.20% APY by depositing at least $250 during the previous statement cycle, referred to as the evaluation period. Without the qualifying deposit, the stated APY falls to 3.00%.
The account has no minimum balance requirement and no monthly maintenance fee under the supplied terms. However, customers need to understand the deposit condition because the highest advertised APY is not automatic for everyone.
Key Features of Happen Bank LevelUp Savings
- Qualifying APY: 4.20% when the stated deposit requirement is met.
- Alternative APY: 3.00% without the qualifying deposits, according to the supplied information.
- Monthly deposit condition: At least $250 must be deposited during the applicable evaluation period to qualify for the higher rate.
- Minimum balance: No minimum balance requirement is listed.
- Monthly maintenance fee: None listed in the supplied account description.
How the APY Qualification Works
When a savings account offers a higher APY for meeting a monthly activity requirement, you need to consider whether that condition fits your regular income and savings habits.
If you can comfortably deposit at least $250 during each qualifying period, the boosted rate may be achievable. If your income varies or you cannot reliably meet the requirement, calculate your potential earnings using the lower rate instead.
This approach gives you a more realistic comparison with other high-interest savings accounts that do not require recurring deposits.
Best for: Customers who can consistently meet the monthly deposit requirement and want an opportunity to earn a higher APY without maintaining a large account balance.
How to Choose Between These High-Yield Savings Accounts
Each account has a different combination of interest rates, balance requirements, promotional offers, and banking features. Before choosing one, compare the following:
| Factor | Why it matters |
|---|---|
| Current APY | Determines the annualized rate used to calculate interest earnings. |
| Promotional period | Shows how long an introductory rate is available. |
| Standard APY | Helps estimate what happens after a promotional offer ends. |
| Minimum deposit | Determines how much money you need to open the account. |
| Qualification rules | Identifies requirements such as direct deposits or monthly contributions. |
| Monthly fees | Fees can reduce the benefit of interest earned. |
| Transfer access | Affects how quickly you can move money in an emergency. |
| FDIC insurance | Helps you understand whether eligible deposits receive federal deposit protection. |
| Bonus terms | Explains what you must do to qualify for an advertised cash incentive. |
When comparing accounts, calculate interest using the rate you realistically expect to qualify for. Do not assume you will receive the highest promotional APY for the entire time you hold the account.
Best High-Yield Savings Accounts of 2026: Interest Rates, Bank Bonuses and Deposit Requirements
When comparing the best high-yield savings accounts in 2026, it is important to look beyond the advertised APY. Some banks offer their highest interest rates only when customers maintain a qualifying balance, while others provide competitive returns with no minimum balance requirement or monthly maintenance fee.
The accounts below cover different savings needs, from customers holding at least $5,000 in cash to those looking for online savings tools, certificates of deposit (CDs), or accounts with relatively low opening deposits.
The rates and requirements reflect the information supplied for this article. Because savings APYs are generally variable, confirm each bank’s current offer and account terms before applying.
CIT Bank Platinum Savings: Best for Multiple High-Yield Savings Options
CIT Bank Platinum Savings
Advertised APY: Up to 4.25% for six months
Minimum opening deposit: $100
Qualifying balance for the stated high rate: $5,000 or more
Monthly maintenance fee: None, according to the supplied information
Visit CIT Bank’s official website
CIT Bank Platinum Savings may suit customers who maintain a substantial cash reserve and want to earn a competitive return on their savings. The supplied offer lists a promotional APY of up to 4.25% for six months on qualifying balances of at least $5,000, including a promotional APY boost subject to the bank’s terms.
The important detail is the balance requirement. The supplied information states that balances of $5,000 or more earn a standard rate of 3.75% APY, while balances below $5,000 earn just 0.25% APY. This difference can significantly affect your savings account interest earnings.
Although the minimum opening deposit is only $100, opening the account with that amount does not mean you will qualify for the highest advertised rate. Before applying, confirm the APY available at your intended balance and whether the promotional offer applies to new customers only.
Key advantages
- No monthly maintenance fee, according to the supplied account details.
- A relatively low $100 opening deposit.
- Potential access to a higher promotional APY on qualifying balances.
- Other savings products and a money market account may be available for customers who cannot maintain $5,000.
Best for: Savers who can maintain at least $5,000 and want to compare promotional interest rates with other high-yield bank accounts.
Marcus by Goldman Sachs Online Savings: Best for Consistently Competitive Savings Rates
Marcus Online Savings Account
Advertised APY: 3.50%
Minimum balance to earn the stated APY: $0
Monthly maintenance fee: None, according to the supplied information
Visit Marcus’s official website
Marcus by Goldman Sachs Online Savings offers a straightforward way to earn interest on cash without maintaining a minimum balance to qualify for the stated APY. The supplied information lists a 3.50% APY and no monthly maintenance fee.
The account can be managed through digital banking, including a mobile app and desktop access. Customers can review balances, download statements, and access relevant tax documents online.
One consideration is that Marcus does not offer a checking account under the supplied description. Customers who want a single institution for both daily spending and savings may need to maintain a separate checking account elsewhere.
Why compare Marcus?
For people searching for online savings accounts with no monthly fees, a straightforward account structure can make it easier to track interest earnings without worrying about a minimum balance requirement. However, the advertised APY can change, so compare the current rate with other banks before transferring your funds.
Best for: Customers who want a dedicated online savings account with no minimum balance requirement for the stated APY.
Forbright Bank Growth Savings: Best for Savings With an Environmental Mission
Forbright Bank Growth Savings
Advertised APY: 3.85%
Minimum balance to earn the stated APY: $0
Monthly maintenance fee: None, according to the supplied information
Visit Forbright Bank’s official website
Forbright Bank Growth Savings combines a competitive online savings rate with an institutional focus on environmental sustainability. The supplied information lists a 3.85% APY, no minimum balance requirement, and no monthly maintenance fee.
The account may be useful for customers who want to earn interest while keeping their cash separate from everyday spending. Forbright also offers certificates of deposit, although customers looking for a checking account may need to use another institution.
What to consider
Compare the current APY with other high-interest savings accounts, especially if your priority is maximizing interest income. The bank’s environmental mission may be an additional consideration, but you should still evaluate account access, transfer processing times, deposit insurance, and applicable fees.
Best for: Customers who want a dedicated savings account and value a bank’s environmental focus alongside competitive interest rates.
Bask Interest Savings Account: Best for Online Savings and Short-Term CDs
Bask Interest Savings Account
Advertised base APY: 3.90%
Potential additional rate benefit: Up to 0.40%, subject to eligibility
Minimum balance: No minimum balance requirement listed in the supplied information
Visit Bask Bank’s official website
Bask Interest Savings Account is an online savings product for customers who want to earn interest without maintaining a specified minimum balance. The supplied figures list a 3.90% base APY, with a possible additional rate benefit of up to 0.40% depending on eligibility and applicable terms.
Bask Bank also offers online certificates of deposit. This gives customers an opportunity to compare a flexible savings account with a CD that may offer a different rate in exchange for keeping funds deposited for a specified term.
Savings account or CD?
A high-yield savings account is generally more flexible for money you may need to access. A CD may be more suitable for funds you can leave untouched until maturity, although early withdrawals may trigger penalties depending on the product.
Before choosing Bask, confirm whether you qualify for any additional APY benefit, how often rates can change, and how long external transfers take.
Best for: Savers who want online account access and the option to compare savings products with short-term CDs.
Bread Savings High-Yield Savings Account: Best for No-Frills Online Saving
Bread Savings High-Yield Savings
Advertised APY: 4.05%
Minimum opening deposit: $100
Monthly service fee: None, according to the supplied information
Visit Bread Savings’s official website
Bread Savings High-Yield Savings is designed for customers who want an interest-bearing savings account without a complicated bundle of banking services. The supplied information lists a 4.05% APY, a $100 minimum opening deposit, and no monthly service fee.
The bank also offers online CDs, allowing customers to compare flexible savings with fixed-term deposit options. However, the savings APY may change after an account is opened, so the initial rate should not be treated as a guaranteed long-term return.
The supplied rate disclosure is dated October 8, 2026. Since savings rates can change without notice, verify the current APY and terms before opening an account.
Who should consider Bread Savings?
This account may appeal to customers who can meet the $100 opening deposit and prefer a dedicated online savings product. When comparing it with competing high-yield savings accounts, review transfer access, applicable fees, and how the bank handles changes to its variable interest rate.
Best for: Customers looking for a straightforward online savings account with a modest opening deposit.
Barclays Tiered Savings Account: Best for Online Savings Tools
Barclays Tiered Savings Account
Advertised APY: 3.50% to 3.65%, based on the supplied balance tiers
Minimum balance to earn the stated APY: $0
Potential bonus: $200 for qualifying activities
Visit Barclays US’s official website
Barclays Tiered Savings offers an interest rate that varies according to the account balance. The supplied information lists a 3.50% APY for balances below $250,000 and 3.65% APY for balances of $250,000 or more. It also mentions a potential $200 bonus for customers who meet the qualifying requirements.
The account includes online tools for organizing savings goals, which can help customers track progress toward specific financial targets. However, Barclays does not offer a checking account under the supplied description, so customers may need a separate bank for daily transactions.
How the balance tiers affect interest
When an account uses balance tiers, make sure you understand the threshold required for each APY. A higher advertised rate may only apply after you maintain a qualifying balance, and the bank can change variable rates.
Before applying, review the current rate schedule and bonus conditions. Do not assume the $200 bonus is automatic or that every balance qualifies for the same APY.
Best for: Customers who value online savings tools and have enough cash to benefit from the account’s higher balance tier.
Axos ONE Savings: Best for a High Promotional APY
Axos ONE Savings
Advertised APY: Up to 5.00%
Qualifying requirements apply
Standard APY in the supplied information: 4.21%
Visit Axos Bank’s official website
Axos ONE Savings is offered as part of a checking and savings package. The supplied information lists a promotional APY of up to 5.00%, but the highest rate requires customers to satisfy specific balance and deposit conditions.
One qualifying option requires an average daily balance of at least $1,500 in the relevant checking account and at least $1,500 in monthly direct deposits. Another option requires an average daily balance of at least $5,000 and at least $5,000 in monthly qualifying external transfers or check deposits.
The stated standard APY is 4.21%, and balances of $250,000 or more may earn a slightly lower rate under the supplied terms. Confirm the applicable account requirements before relying on the headline rate.
Who should consider Axos ONE?
This account may suit customers who already receive regular direct deposits and can consistently meet the qualifying balance requirements. If you cannot meet those conditions, compare the standard rate with other high-yield savings accounts with no direct deposit requirements.
Best for: Customers who can meet the account’s qualifying conditions and want to pursue a high promotional savings APY.
Live Oak Bank High-Yield Personal Savings: Best for a Low Minimum Balance
Live Oak Bank High-Yield Personal Savings
Advertised APY: 4.00%
Minimum balance to earn the stated APY: $0.01
Monthly maintenance fee: None, according to the supplied information
Visit Live Oak Bank’s official website
Live Oak Bank is known for small-business banking products and also offers a high-yield personal savings account. The supplied information lists a 4.00% APY, no monthly maintenance fee, and a minimum balance of just $0.01 to earn the stated rate.
A low minimum balance can make an account accessible to customers who are beginning to save or building an emergency fund through small deposits. Live Oak also offers certificates of deposit for customers comparing different ways to earn interest on cash.
One point to investigate is the digital banking experience. The supplied account review notes limited mobile app reviews and low ratings, so customers who rely heavily on mobile banking may want to evaluate the app and available account features before applying.
Best for: Savers who want a low balance threshold and an online savings account from a bank with a broader small-business banking focus.
How to Compare These High-Yield Savings Accounts
The best account depends on how much money you plan to deposit and whether you can meet any conditions attached to the advertised APY. Use this comparison to narrow your options.
| Your priority | Accounts worth comparing | Important consideration |
|---|---|---|
| A promotional rate with a higher balance | CIT Bank Platinum Savings | The stated higher rate requires a qualifying balance of $5,000 or more |
| No minimum balance to earn the stated rate | Marcus, Forbright, EverBank | Compare current APYs and transfer features |
| Online savings plus CD options | Bask Bank, Bread Savings, Live Oak Bank | Compare liquidity with CD terms and early-withdrawal conditions |
| A potential cash bonus | Barclays Tiered Savings | Confirm eligibility and bonus payment requirements |
| A high APY tied to qualifying deposits | Axos ONE Savings, Happen Bank LevelUp Savings | Make sure the required monthly activity fits your finances |
| Savings goal tools | Barclays Tiered Savings | Check whether the tools suit your preferred banking experience |
What Is the Difference Between a High-Yield Savings Account and a CD?
A high-yield savings account generally allows you to keep money accessible while earning a variable interest rate. A certificate of deposit usually requires you to leave your funds deposited for an agreed term in exchange for a stated interest rate, although terms vary by institution.
| Feature | High-yield savings account | Certificate of deposit |
|---|---|---|
| Interest rate | Usually variable | Often fixed for the agreed term |
| Access to funds | Generally flexible, subject to transfer and account rules | Early withdrawal may trigger a penalty |
| Savings goals | Useful for emergency funds and short-term reserves | Useful for money you can set aside until maturity |
| Rate changes | APY can rise or fall | A fixed rate generally remains unchanged for the term |
| Best use | Accessible cash savings | Planned savings with a defined time horizon |
Neither option is automatically better. If you need your money for unexpected expenses, access may matter more than a potentially higher CD rate. If you can leave a portion of your savings untouched, compare available CD rates with the savings account APY.
How Safe Are High-Yield Savings Accounts?
Eligible deposits held at an FDIC-insured bank are generally insured up to $250,000 per depositor, per insured bank, per ownership category, subject to FDIC rules. This protection applies to eligible deposit accounts, not investment products simply because they are offered through a financial institution.
Before opening an account, confirm that the institution is FDIC-insured and understand how your existing deposits at the same bank affect your coverage. If you have multiple accounts at one bank, balances may be combined when determining insurance coverage within the same ownership category.
It is also important to distinguish deposit insurance from protection against every possible loss. FDIC insurance does not protect you against inflation reducing your purchasing power, fees reducing your balance, or losses in investments that are not covered deposits.
Best High-Yield Savings Accounts of 2026: APY, Minimum Deposits, Fees and Bonuses Compared
This H2 is strong for SEO because it naturally targets commercial-intent keywords, including high-yield savings accounts, savings account APY, minimum deposits, bank fees, and bank bonuses. It also introduces the comparison table clearly for readers deciding where to open a savings account.
High-Yield Savings Accounts Compared: Rates, Fees and Account Requirements
The table below compares the savings accounts discussed in this guide, including their advertised annual percentage yields (APYs), minimum balance requirements, promotional offers, and key features. Use it to identify accounts that fit your savings goals, whether you are building an emergency fund, earning interest on idle cash, or comparing online banks for a better return.
| Bank or financial institution | Savings account | Advertised APY | Minimum deposit or qualifying balance | Monthly fee | Bonus or special feature |
|---|---|---|---|---|---|
| CIT Bank | Platinum Savings | Up to 4.25% for 6 months | $100 to open; $5,000 balance for the stated higher APY | $0, according to supplied details | Promotional APY boost; terms apply |
| Marcus by Goldman Sachs | Online Savings Account | 3.50% | No minimum balance to earn the stated APY | $0, according to supplied details | Online account management |
| Forbright Bank | Growth Savings | 3.85% | No minimum balance to earn the stated APY | $0, according to supplied details | Bank with an environmental focus |
| Bask Bank | Interest Savings Account | 3.90% base rate | No minimum balance listed | Verify current terms | Potential additional rate benefit of up to 0.40%; eligibility applies |
| Bread Savings | High-Yield Savings Account | 4.05% | $100 minimum opening deposit | $0, according to supplied details | Online CDs also available |
| Barclays | Tiered Savings Account | 3.50% to 3.65% | Rate depends on balance tier | Verify current terms | Potential $200 bonus; qualifying activities required |
| Axos Bank | Axos ONE Savings | Up to 5.00% | Qualifying checking balance and monthly deposits required | Verify current terms | Highest stated promotional APY in the supplied comparison |
| Live Oak Bank | High-Yield Personal Savings | 4.00% | $0.01 minimum balance to earn the stated APY | $0, according to supplied details | Low balance threshold |
| SoFi | Checking and Savings | Up to 4.40% | No minimum balance to earn the stated APY, subject to account conditions | $0, according to supplied details | Potential cash bonus and savings APY boost |
| E*TRADE | Premium Savings | 4.25% for 6 months | No minimum balance to earn the stated APY | $0, according to supplied details | Potential bonus of up to $800; eligibility applies |
| Openbank | High Yield Savings | Up to 4.35% | $500 minimum opening deposit | $0, according to supplied details | Dedicated online savings account |
| EverBank | Performance Savings | 4.20% | No minimum balance to earn the stated APY | Verify current terms | Advertised rate may apply to new accounts |
| Capital One | 360 Performance Savings | 3.20% | No minimum opening deposit | $0, according to supplied details | Online savings with access to selected in-person services |
| Happen Bank | LevelUp Savings | 4.20% with qualifying deposits | At least $250 deposited during the qualifying period for the higher APY | $0, according to supplied details | Stated APY falls to 3.00% without qualifying deposits |
Rate accuracy note: Figures above are based on the information supplied for this article and have not been independently verified as live offers. APYs are variable unless the bank’s terms specify otherwise. Promotional rates, bonuses, balance thresholds, and fees may change. Check each institution’s official website before opening an account.
Which High-Yield Savings Account Offers the Best Value?
The account with the highest advertised APY is not always the most suitable option. Your actual return depends on the rate you qualify for, the amount you deposit, the time your money stays in the account, and any fees or account conditions.
- For the highest stated promotional APY: Compare Axos ONE Savings, while checking its direct deposit and balance requirements.
- For savings without a large minimum balance: Compare Marcus, Forbright, and EverBank using their current rates and terms.
- For a larger savings balance: Review CIT Bank Platinum Savings and Barclays’ balance-based rate structure.
- For savings plus CD options: Compare Bask Bank, Bread Savings, and Live Oak Bank.
- For a potential cash bonus: Review SoFi, E*TRADE, and Barclays, paying close attention to eligibility requirements.
Before making a decision, compare the current savings account interest rate, APY, minimum opening deposit, monthly maintenance fees, bank transfer options, and FDIC deposit insurance. These factors will help you choose an account that suits your savings strategy rather than relying on the headline rate alone.
How We Evaluate Banks and Credit Unions
Choosing a high-yield savings account involves more than finding the bank advertising the highest annual percentage yield (APY). A competitive interest rate can help your money grow, but monthly maintenance fees, minimum deposit requirements, withdrawal options, and account features also affect the value you receive.
To make meaningful comparisons, our evaluation process considers several factors that influence the everyday banking experience. These include savings account interest rates, deposit requirements, account fees, savings tools, budgeting features, and promotional bonuses. The goal is to help readers compare online banks, traditional financial institutions, and credit unions using consistent criteria rather than relying on marketing claims alone.
Our evaluation at a glance
100+
Financial institutions reviewed
30+
Categories assessed
60+
Data points analyzed
These figures describe the evaluation framework provided for this article. They should not be interpreted as independently audited results.
How Savings Accounts Are Scored
Each savings account is assessed across four main categories. Every category carries a different weight, reflecting how strongly it can influence the account’s value to someone looking for competitive interest earnings, low banking costs, and practical money management tools.
| Evaluation category | Weight | What we consider |
|---|---|---|
| Annual percentage yield (APY) | 50% | The advertised savings rate, the potential interest earned, promotional rate conditions, and whether customers must meet specific requirements to qualify for the highest yield. |
| Monthly account fees | 25% | Monthly maintenance charges and how fees could reduce the interest earned on savings. |
| Savings and budgeting features | 15% | Tools for setting savings goals, organizing money, monitoring account balances, and managing deposits through online or mobile banking. |
| Minimum opening deposit | 10% | The amount required to open an account and whether the initial deposit creates a barrier for customers starting with limited savings. |
| Total | 100% | Combined weighted assessment across all four categories. |
1. Interest Rates and APY: 50%
The annual percentage yield receives the largest share of the score because the interest rate directly affects how quickly a savings balance can grow. A high-yield savings account offering a competitive APY can earn substantially more interest than a traditional savings account with a low rate.
However, the advertised APY is only one part of the comparison. We also consider whether the rate is available to all eligible account holders or depends on conditions such as qualifying direct deposits, minimum balances, linked checking accounts, or limited-time promotional offers.
For example, a bank may advertise an APY of 5.00% for six months but reduce the rate after the promotional period. Another institution may offer a lower rate without requiring customers to meet additional conditions. Understanding these differences helps readers compare potential interest income more realistically.
2. Monthly Fees: 25%
Bank fees can gradually reduce the benefit of earning interest. An account with a competitive savings APY may be less attractive if monthly maintenance charges consume part of the interest earned.
Our assessment considers whether a savings account charges a monthly service fee and whether customers must maintain a minimum balance or meet other conditions to avoid charges.
For people building an emergency fund, saving for a home deposit, or setting aside money for future expenses, an account with no monthly maintenance fee can make it easier to retain more of their earnings. Readers should also review any applicable transfer fees, wire transfer charges, or other account costs disclosed in the bank’s terms.
3. Savings Tools and Budgeting Features: 15%
A useful savings account should make it easier to manage money, not simply hold a balance. Digital banking tools can help customers monitor their progress, organize funds, and maintain consistent saving habits.
Features considered in this category may include savings goal tracking, automated transfers, mobile banking access, balance alerts, and tools for separating money intended for different expenses. These features can be especially helpful for people saving toward an emergency fund, a major purchase, or recurring financial obligations.
We also consider whether an account offers practical ways to manage deposits and withdrawals. The availability of these features varies by institution, so customers should confirm which tools are included before opening an account.
4. Minimum Opening Deposit: 10%
The initial deposit requirement determines how much money a customer needs to open an account. Some online savings accounts allow eligible customers to start with no minimum opening deposit, while others require $100, $500, $1,000, or more.
A lower opening requirement can make a high-yield savings account more accessible to people who are just beginning to save. However, the minimum amount needed to open an account may differ from the balance required to earn the advertised APY.
For that reason, readers should check both requirements. An account might be easy to open with a small deposit but require a much larger balance to qualify for its highest savings rate.
What Earns a Higher Savings Account Rating?
Accounts may be more attractive when they combine a competitive APY with low fees, accessible opening requirements, and useful digital banking features. Eligible promotional cash bonuses can also add value, provided the qualifying conditions are realistic for the customer.
A strong overall rating should not be based on the interest rate alone. Readers should consider how much they plan to deposit, how frequently they need access to their money, whether they can satisfy promotional requirements, and whether the account is covered by applicable deposit insurance.
Our scoring framework is intended to make comparisons easier, but individual needs still matter. Someone building an emergency fund may prioritize convenient access and no monthly fees, while a customer holding a larger balance may focus more heavily on APY tiers and interest earnings.
Best High-Yield Savings Accounts of 2026: Top Picks by Feature
The following accounts represent the selections and advertised rates supplied for this article. The “best for” descriptions highlight the particular feature each account may suit, rather than suggesting that one bank is the right choice for every saver.
| High-yield savings account | Best for | Advertised APY in supplied information |
|---|---|---|
| Marcus by Goldman Sachs Online Savings | Savers who want a straightforward online savings account | 3.50% |
| SoFi Checking and Savings | Combining checking and savings in one banking relationship | Up to 4.40% |
| Capital One 360 Performance Savings | Online savings with access to selected in-person banking services | 3.20% |
| Barclays Tiered Savings | Digital savings management and balance-based rates | 3.50% |
| Happen Bank LevelUp Savings | Savers who can meet the requirements for an APY boost | Up to 4.20% |
| Forbright Bank Growth Savings | Online savings from a bank with an environmental focus | 3.85% |
| CIT Bank Platinum Savings | Comparing savings products and promotional rates | Up to 4.25% |
| E*TRADE Premium Savings | Customers who want to connect savings with investment accounts | 4.25% for six months |
| Openbank High Yield Savings | A standalone online savings account | Up to 4.35% |
| Bask Interest Savings | Online savings alongside short-term certificate of deposit options | 3.90% |
| EverBank Performance Savings | Savers comparing competitive online savings rates | 4.20% |
| Axos ONE Savings | Customers who can meet the requirements for a high promotional APY | Up to 5.00% |
| Bread Savings High-Yield Savings | Straightforward online savings and access to CDs | 4.05% |
| Live Oak Bank High-Yield Personal Savings | Online savings with a low balance threshold for earning interest | 4.00% |
Rates are reproduced from the information supplied for this article and have not been independently confirmed as current offers. APYs may change, and promotional rates can depend on eligibility, deposit amounts, linked accounts, or time limits. Check each bank’s official disclosures before applying. Verify the applicable FDIC or other deposit-insurance coverage and limits as well.
Frequently Asked Questions About High-Yield Savings Accounts
What is the best high-yield savings account in 2026?
The best high-yield savings account depends on your savings balance, desired APY, deposit requirements, and need for convenient access to your money. Based on the rates supplied for this comparison, Axos ONE Savings advertises up to 5.00% APY for eligible customers who meet specific requirements, while Peak Bank offers a stated 4.27% APY with a $100 minimum opening deposit. Compare the current rates, promotional periods, account fees, and eligibility rules before choosing a bank.
Which bank offers the highest savings account APY?
Among the offers listed in this article, Axos ONE Savings has the highest stated promotional rate at up to 5.00% APY. However, the highest rate may require qualifying direct deposits, a minimum average balance, or a linked checking account. The promotional rate is not necessarily available to every customer and may expire after a specified period.
Are high-yield savings accounts FDIC-insured?
Eligible deposits at FDIC-insured banks are generally protected up to $250,000 per depositor, per insured bank, for each account ownership category. This protection applies to qualifying deposit accounts, not investments such as stocks or mutual funds. Before opening an account, confirm that the bank is FDIC-insured and understand how your balances across accounts at the same bank are treated under the applicable ownership category.
How much interest can I earn with a high-yield savings account?
Your interest earnings depend on your account balance, APY, how long your money remains deposited, and whether the rate changes. For example, a $10,000 balance earning a 4.00% APY for one year would grow to approximately $10,400 if the rate remained unchanged, with no withdrawals or additional deposits.
Actual earnings may differ because most high-yield savings accounts have variable interest rates. Taxes on interest income may also affect your overall return.
Is a high-yield savings account better than a traditional savings account?
A high-yield savings account can earn substantially more interest than a traditional savings account when its APY is higher. Many online banks offer competitive savings rates and no monthly maintenance fees because they operate with different cost structures from traditional branch-based banks.
However, a traditional savings account may be more convenient for customers who value in-person banking, cash deposits, or an established relationship with a local bank. Compare interest rates, account fees, access to funds, and available banking services before deciding.
Can I open a high-yield savings account with no minimum deposit?
Yes. Some banks allow customers to open a high-yield savings account without an initial minimum deposit. Other institutions require an opening deposit, such as $100 or $500, or impose a minimum balance requirement to qualify for a particular APY.
Always distinguish between the minimum deposit needed to open the account and the minimum balance required to earn the advertised interest rate.
Are high-yield savings account interest rates fixed?
Most high-yield savings accounts offer variable APYs, meaning the bank can change the rate over time. A rate advertised today may be higher or lower several months later as market conditions and the bank’s pricing decisions change.
Promotional savings rates may also apply only for a limited period or to customers who meet specific requirements. Review the account’s rate disclosures so you understand when the APY could change and what rate may apply after a promotion ends.
Can I withdraw money from a high-yield savings account whenever I need it?
High-yield savings accounts generally provide access to your money through electronic transfers, linked checking accounts, or other withdrawal methods offered by the bank. However, transfer processing times, transaction restrictions, and other account-specific conditions may apply.
If you are saving for emergencies or unexpected expenses, check how quickly you can transfer money to your checking account and whether the bank supports the withdrawal methods you need.
Do high-yield savings accounts charge monthly maintenance fees?
Many competitive online savings accounts do not charge monthly maintenance fees, but this is not guaranteed for every account. Some banks may impose fees for particular services or transactions, while promotional benefits may depend on maintaining a qualifying balance or meeting other conditions.
Compare the full fee schedule rather than evaluating an account solely by its advertised APY. Avoiding unnecessary bank fees helps preserve the interest you earn.
Is a high-yield savings account good for an emergency fund?
Yes. A high-yield savings account can be a useful place to keep an emergency fund because it combines interest earnings with access to money when unexpected expenses arise. Examples include medical bills, urgent home repairs, car repairs, or a temporary loss of income.
Look for an account with competitive APY, no monthly maintenance fee, appropriate deposit insurance, and convenient withdrawal options. Money needed immediately may be best kept in an accessible checking account, with the remainder of your emergency savings earning interest in a savings account.
What is the difference between a high-yield savings account and a certificate of deposit (CD)?
A high-yield savings account generally allows you to access your money without committing to a fixed savings term, although account restrictions may apply. A certificate of deposit typically requires you to leave your money deposited for a specified period in exchange for an agreed interest rate, subject to the product’s terms.
A high-yield savings account may be more suitable for emergency savings and short-term cash needs. A CD may suit money you can leave untouched until maturity. Compare CD rates, term lengths, early withdrawal penalties, and savings account APYs before deciding.
Should I choose the bank with the highest APY or the one with the lowest fees?
Ideally, choose an account that combines a competitive APY with low fees and practical account features. A slightly higher interest rate may not be worthwhile if you must maintain a large balance, make qualifying direct deposits, or pay charges that reduce your earnings.
Estimate your potential interest income based on your expected balance, then subtract applicable fees. This provides a more realistic comparison of the financial benefit each account offers.
Can I have more than one high-yield savings account?
Yes. You can generally open multiple savings accounts at different banks, provided you meet each institution’s eligibility requirements. Some people use separate accounts for emergency savings, travel expenses, a home deposit, or other financial goals.
Having multiple accounts can make budgeting easier, but remember to monitor balances, fees, transfer arrangements, and deposit insurance limits at each bank.
Are online high-yield savings accounts safe?
Online savings accounts can be safe when offered by legitimate, properly regulated financial institutions with applicable deposit insurance and appropriate security measures. Before opening an account, verify the bank’s identity, deposit-insurance status, official website, account terms, and available customer support channels.
Do not rely solely on a high advertised APY when evaluating a bank. Check the institution’s disclosures, understand its account requirements, and use strong passwords and multifactor authentication where available.
Do I have to pay taxes on high-yield savings account interest?
In the United States, interest earned on a savings account is generally taxable income, although individual circumstances and applicable tax rules can affect reporting obligations. Your bank may issue a tax form when reporting requirements are met.
Check current IRS guidance or consult a qualified tax professional if you are unsure how savings interest affects your tax return.
Which high-yield savings account is best for a $5,000 deposit?
CIT Bank Platinum Savings may be worth comparing because the supplied offer ties its higher APY to a balance of at least $5,000. However, compare the current rate and promotional period with accounts that do not require a minimum qualifying balance. The best choice depends on the rate you can actually earn and the account terms.
Can I earn 4% APY or more without a large deposit?
Some accounts in the supplied comparison advertise rates around or above 4% with low or no minimum balance requirements to earn the stated APY. However, eligibility rules and rates can change. Verify the current APY and whether any monthly deposit or other qualifying activity is required.
Does a high-yield savings account have a fixed interest rate?
Usually not. Most high-yield savings accounts have variable APYs, meaning the bank can change the rate over time. Promotional offers may specify a limited period, but you should check the terms rather than assume the rate will remain unchanged.
Should I choose a savings account with a cash bonus?
A cash bonus can add value, but only if you meet the requirements. Check minimum deposits, qualifying transactions, account-opening deadlines, and any required holding period. Compare the total benefit with the account’s ongoing APY and fees.
Can I have savings accounts at more than one bank?
Yes. Maintaining multiple accounts can help you separate emergency funds, short-term goals, and money reserved for planned expenses. Just keep track of minimum balance requirements, transfer times, and deposit insurance limits at each institution.
Which of these savings accounts has the highest advertised APY?
Based on the supplied figures, E*TRADE Premium Savings lists a 4.25% APY for six months, while Openbank lists up to 4.35% and EverBank lists 4.20%. Happen Bank lists 4.20% when its deposit requirement is met. Axos ONE Savings, discussed earlier, advertises up to 5.00% under qualifying conditions. These figures are not independently verified live rates, so check the banks’ current offers.
Can I open a high-yield savings account with no minimum balance?
Some accounts in this comparison have no minimum balance requirement to earn the stated APY. Others require a minimum opening deposit or a qualifying balance. Confirm both requirements because the amount needed to open an account can differ from the amount needed to earn the advertised rate.
Are promotional savings rates guaranteed?
No. Promotional terms specify the period and conditions under which an offer applies. After the promotional period, the account generally moves to its applicable standard rate, which may also change over time.
Is a high-yield savings account suitable for an emergency fund?
It can be suitable if the account offers reliable access to your money, competitive interest, and appropriate deposit protection. Review external transfer times and any account restrictions before relying on it for urgent expenses.
Should I choose the highest APY or the largest cash bonus?
Compare both, but also consider the promotional period, standard APY, qualification requirements, and fees. A large bonus may be attractive, but it does not automatically make an account the best option over the long term.
Are high-yield savings accounts worth it in 2026?
They can be worthwhile for people who want to earn interest on cash while keeping it accessible. The value depends on the current APY, account fees, eligibility requirements, and alternatives available to you.
Which bank has the highest savings APY?
The supplied comparison lists Axos ONE Savings at up to 5.00% APY. However, that rate has qualifying requirements and may be promotional. Check current offers from the bank before applying.
Are high-yield savings accounts FDIC-insured?
Eligible deposits at FDIC-insured banks are generally insured up to $250,000 per depositor, per insured bank, per ownership category, subject to FDIC rules. Verify the institution’s status and consider how your other deposits at the same bank affect your coverage.
Can a high-yield savings account lose money?
The account balance generally does not fluctuate with stock-market prices in the way an investment account can. However, fees can reduce your balance, inflation can reduce purchasing power, and deposits exceeding applicable insurance limits may carry additional risk.
Can I withdraw money whenever I want?
Access depends on the bank’s transfer procedures, account agreement, and any applicable restrictions. Some online savings accounts require an external bank transfer to access funds, which can take time. Check withdrawal methods and processing estimates before opening an account.
Is a high-yield savings account better than a certificate of deposit?
It depends on your goals. A savings account typically offers more flexible access to money, while a certificate of deposit (CD) may provide a fixed rate for a defined term, often with an early-withdrawal penalty. Compare the APY, term, liquidity, and withdrawal conditions before choosing.
CONCLUSION
The best high-yield savings account for 2026 depends on how much you plan to deposit, whether you can meet promotional requirements, and how quickly you need access to your money. Axos ONE Savings stands out in the supplied comparison for its advertised rate of up to 5.00% APY, while options such as EverBank, Bread Savings, and Live Oak Bank provide alternatives worth comparing under their stated terms.
Before opening an account, compare the savings account APY, minimum balance, monthly fees, promotional bonuses, and FDIC insurance coverage. Use a consistent savings calculator scenario to estimate potential interest earnings, and remember that variable APYs can change.
A careful comparison can help you choose an account that fits your savings goals without relying solely on the highest advertised rate.
Compare the Best High-Yield Savings Accounts of 2026 to Earn More Interest
Choosing the right high-yield savings account can help you earn more interest on your money without taking the investment risks associated with stocks or other market-based investments. However, the best account is not necessarily the one with the highest advertised APY. The right choice depends on your deposit amount, access needs, monthly fees, eligibility for promotional rates, and the bank’s account terms.
Based on the rates supplied in this guide, Axos ONE Savings stands out for its advertised promotional APY of up to 5.00%, while Peak Bank is another option to compare for its stated 4.27% APY and $100 minimum opening deposit. Other accounts, including SoFi Checking and Savings, CIT Bank Platinum Savings, Openbank High Yield Savings, and EverBank Performance Savings, offer alternatives for customers comparing savings rates, digital banking features, and deposit requirements.
Before opening an account, compare the current high-yield savings account rates, annual percentage yield (APY), FDIC insurance coverage, minimum opening deposit, monthly maintenance fees, and promotional bonus requirements. Check whether the highest advertised rate applies to your balance and whether you must maintain qualifying direct deposits or a linked checking account to earn it.
If your priority is building an emergency fund, consider an account with convenient withdrawals, no monthly fees, and a competitive variable APY. If you are saving a larger amount, examine balance-based interest tiers and compare savings accounts with certificates of deposit to determine whether locking away some money for a fixed term makes sense.
Ultimately, a good savings strategy starts with choosing an account that fits your financial goals and reviewing its terms regularly. Compare the available rates, verify each bank’s official disclosures, and choose a high-yield savings account that helps your money grow while keeping your savings accessible when you need them.
Rate disclaimer: APYs and promotional offers mentioned in this article are based on the supplied information and may change without notice. Verify all rates, eligibility requirements, fees, and deposit-insurance details directly with the financial institution before opening an account.
CIT Bank Platinum Savings, Marcus by Goldman Sachs, Forbright Bank, Bask Bank, Bread Savings, Barclays, Axos Bank, and Live Oak Bank each offer different features for people comparing high-yield savings accounts.
CIT may appeal to customers with larger balances, while Marcus and Forbright offer options without a minimum balance requirement for the stated APY. Bask and Bread provide alternatives for customers who also want to compare certificates of deposit. Barclays offers savings tools and a potential bonus, Axos ties its highest advertised rate to qualifying activity, and Live Oak has a very low minimum balance threshold.
Before choosing, compare the current APY, minimum balance, bank account fees, promotional conditions, transfer access, and FDIC insurance coverage. A headline rate is only useful if you qualify for it and can maintain the account under its terms.
The strongest savings strategy is to choose an account that matches your cash needs, review its rate regularly, and make consistent contributions toward your financial goals.
E*TRADE Premium Savings, Openbank High Yield Savings, EverBank Performance Savings, Capital One 360 Performance Savings, and Happen Bank LevelUp Savings each offer a different approach to online saving.
E*TRADE may appeal to customers who want to connect savings with an investment relationship. Openbank offers a dedicated savings option with a stated opening deposit requirement. EverBank may suit customers looking for a competitive rate without a high minimum balance, while Capital One offers access to selected in-person services. Happen Bank’s boosted rate may appeal to savers who can meet its monthly deposit condition.
Before applying, compare the current savings account APY, minimum balance, promotional terms, monthly fees, withdrawal access, and FDIC insurance eligibility. The best account is not necessarily the one with the highest headline rate. It is the one whose conditions fit your finances and help you build savings consistently.
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