Best Online High Interest Savings Account Direct

: Ensure the institution is FDIC-insured (or NCUA-insured for credit unions) to protect your funds up to $250,000 per depositor. Estimated Earnings on $10,000

: Interest that compounds daily will grow faster than interest that compounds monthly or quarterly. Use the Annual Percentage Yield (APY) to compare accounts on an equal footing. best online high interest savings account

Best High-Yield Savings Accounts Of April 2026 - Up to 4.21% | Bankrate : Ensure the institution is FDIC-insured (or NCUA-insured

: High rate is unlocked through monthly direct deposits. Newtek Bank: 4.20% APY Best High-Yield Savings Accounts Of April 2026 - Up to 4

The following institutions are currently offering the highest rates for nationally available online savings accounts:

: To earn this rate, you must receive qualifying direct deposits and have a linked checking account. Limits : This top rate applies to balances up to $5,000. AdelFi: 5.00% APY

Over one year, the difference between a traditional bank and a high-yield account is substantial: : $400 interest National Average (0.60% APY) : $60 interest Traditional Big Bank (0.01% APY) : $1 interest If you'd like to narrow this down, let me know: How much you plan to deposit initially? Do you need immediate access to the funds? Are you comfortable with mobile-only banking?