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Best High-Yield Savings Accounts
BRAND PASS / Banking / U.S. accounts
Best High-Yield Savings Accounts
Give your savings a better place to grow. Compare standalone savings accounts, checking-and-savings bundles and a marketplace of savings offers.
For eligible U.S. applicants. Variable rates. Provider requirements apply.
Advertising disclosure: BRAND PASS may earn a commission when you use affiliate links on this website. This page currently links to official provider websites. It covers the options listed below, not the entire market, and does not rank them by APY. “Best” depends on your circumstances. Information is educational, not personalized financial advice.
Find your savings match
Seven options. Different ways to save.
Start with your balance and how you want to bank. Check each provider’s current APY, fees and complete terms before applying. Numeric APYs are omitted because rates and promotions change.
Consider for balances of $5,000+
CIT BANK
Platinum Savings
A tiered savings account worth comparing if you plan to maintain at least $5,000.
- Opening deposit
- $100 minimum.
- Rate structure
- A higher APY tier applies at $5,000 or more; a lower tier applies below that balance.
- Watch for
- A falling balance can change the yield you earn. Review tier and promotional terms.
Opens CIT Bank’s official website.
Consider for smaller balances
CIT BANK
Savings Connect
A standalone savings option to compare when you do not want Platinum’s $5,000 higher-rate threshold.
- Opening deposit
- $100 minimum.
- Rate structure
- No minimum ongoing balance needed to earn the account’s advertised APY.
- Watch for
- Compare its current yield with Platinum at your expected balance.
Opens CIT Bank’s official website.
Consider for standalone savings
AXOS BANK
Summit Savings
A separate savings account to compare if you prefer saving without choosing Axos ONE’s checking-and-savings bundle.
- Opening balance
- No minimum balance to open the account.
- Account format
- Standalone online savings.
- Watch for
- Check the current standard APY and any temporary boost, including its end date and eligibility rules.
Opens Axos Bank’s official website.
Consider for combined banking
AXOS BANK
Axos ONE Savings
Savings within the Axos ONE checking-and-savings bundle. Compare it if you are willing to meet linked checking requirements.
- Account format
- Checking-and-savings bundle.
- Higher-rate rules
- Qualifying deposits and an average daily balance in the checking account are required.
- Watch for
- Review deposit definitions, monthly deadlines, balance tiers and any boost duration. A lower base savings rate applies if requirements are not met.
Opens Axos Bank’s official website.
Consider for everyday banking + saving
SOFI
SoFi Checking and Savings
A combined account offering for people who want checking and savings with the same provider.
- Account format
- Checking and savings opened together.
- Rate conditions
- Eligible direct deposit can qualify savings balances for a higher APY. Check the current rate sheet for all qualification routes.
- Watch for
- Savings and checking yields differ. Higher rates, bonuses and temporary boosts have separate conditions.
Opens SoFi’s official website.
Consider for a dedicated savings account
QUONTIC
High Yield Savings
An online savings account to compare if you want a dedicated place for your savings goals.
- Opening deposit
- $100 minimum.
- Interest
- Compounded daily and credited monthly.
- Watch for
- Confirm applicant eligibility, current fees, withdrawal rules and transfer access before opening.
Opens Quontic’s official website.
Consider for comparing multiple institutions
RAISIN US
Savings accounts through Raisin
Browse savings offers from participating banks and credit unions through one platform. Raisin is a marketplace, not a bank, and is not itself FDIC or NCUA insured.
- Account format
- Access to participating institutions’ savings products through Raisin.
- Rate & terms
- Depend on the selected institution and product.
- Watch for
- Check the institution holding your deposit, transfer arrangements and pass-through insurance conditions. Other deposits at the same institution count toward applicable coverage limits.
Opens Raisin’s official U.S. website.
Side-by-side comparison
Compare the account structure first.
Use this shortlist to narrow your choices, then check live provider terms. On smaller screens, scroll the table horizontally.
| Account | Format | Main condition to compare | Provider details |
|---|---|---|---|
| CIT Platinum Savings | Standalone savings | $5,000 higher-rate threshold | CIT Platinum ↗ |
| CIT Savings Connect | Standalone savings | $100 opening deposit | CIT Connect ↗ |
| Axos Summit Savings | Standalone savings | Standard rate versus temporary promotions | Axos Summit ↗ |
| Axos ONE Savings | Checking + savings | Checking deposits and balance requirements | Axos ONE ↗ |
| SoFi Checking and Savings | Checking + savings | Higher-rate eligibility | SoFi ↗ |
| Quontic High Yield Savings | Standalone savings | $100 opening deposit; access and fees | Quontic ↗ |
| Raisin US savings options | Marketplace | Selected institution, product terms and insurance conditions | Raisin ↗ |
Choose with confidence
Look beyond the headline yield.
Your expected balance
Compare what you would earn at the balance you can maintain. Money needed in linked checking may earn a different yield.
Your monthly routine
Check whether qualifying deposits fit your normal income and transfers. Read how the provider defines eligible deposits.
Your access needs
Check withdrawal rules, transfer timing and fees. Keep funds accessible on a timetable that suits your needs.
Savings questions, answered
Before you open an account.
Which high-yield savings account is best?
The right fit depends on your balance, deposit routine, fees and access needs. This page compares the supplied shortlist rather than claiming a market-wide winner. Check current provider terms before deciding.
Are Axos ONE Savings and SoFi standalone accounts?
The products listed here are checking-and-savings bundles. Review both parts of each bundle and the requirements for earning a higher savings yield.
Is Raisin a bank?
No. Raisin provides a platform for savings products offered by participating banks and credit unions. Review the selected institution, custodial arrangements and applicable deposit insurance conditions.
Can an advertised APY change?
Yes. These savings products generally have variable yields, and temporary promotions may expire. Review the standard APY, eligibility rules and any promotion’s duration on the provider website.
Can I apply from outside the United States?
These are U.S. offerings. Providers set their own residency, identification, age and other eligibility requirements. Being able to visit a website does not establish eligibility to open an account.
Find a better fit for your savings.
Compare the options, check current terms and apply directly with your chosen provider.
Provider references
Product information checked on October 8, 2026. This is a dated snapshot; providers may change terms.
- CIT Bank savings comparison
- Axos Summit Savings and Axos ONE
- SoFi Checking and Savings
- Quontic High Yield Savings
- Raisin US
BRAND PASS does not accept deposits or open accounts on your behalf. Applications, eligibility decisions and account servicing are handled by the provider or platform.