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High-yield savings accounts in 2026 offer 4.5%-5.5% APY compared to 0.46% national average. This guide compares the best accounts to help your savings grow faster.
Top High-Yield Savings Accounts 2026
1. Marcus by Goldman Sachs
- APY: 5.30%
- Minimum: $0
- Fees: None
- Best for: Overall best choice
2. CIT Bank Platinum
- APY: 5.40% (on $5,000+ balance)
- Minimum: $100
- Best for: Larger balances
3. American Express Personal Savings
- APY: 5.25%
- Minimum: $0
- Best for: Customer service
4. Ally Bank
- APY: 5.20%
- Features: Savings buckets, ATM card
- Best for: Additional features
Interest Earnings Comparison
On $10,000 for 1 year:
- 5.40% APY = $554 interest
- 5.30% APY = $543 interest
- 0.46% national average = $46 interest
How to Choose
- Compare APY rates
- Check minimum balance requirements
- Verify FDIC insurance
- Consider mobile app quality
- Review customer service
When to Use HYSA
Ideal for: Emergency fund, short-term goals (1-3 years), parking funds
Not ideal for: Long-term retirement, high-return investing
All accounts mentioned are FDIC-insured up to $250,000, ensuring your deposits are safe.
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