SideBySideSavings
Rates updated January 12, 2026

Find Your Perfect
High-Yield Savings Account

Compare APY rates, fees, and features side-by-side. Earn up to 5.00% APY—that's 12x the national average.

Read Our Guides

Real-time rates

Verified APYs updated daily

FDIC insured

All banks federally protected

No hidden fees

We expose all the fine print

Rate Alert

Fed holds rates steady—high APYs persist into 2026

With only 2 rate cuts expected this year, top HYSA rates remain attractive. Lock in 4%+ APYs while they last.

Top savings accounts by category

Hand-picked accounts based on rate, features, and real user experience. Updated for January 2026.

🏆 HIGHEST RATE
Varo Bank
5.00% APY
On first $5,000 with direct deposit
View Details
NO STRINGS
Pibank
4.60% APY
Flat rate, no requirements
View Details
Newtek Bank
4.35% APY
High rate, no minimums
View Details
💰 $300 BONUS
SoFi
4.00% APY
With direct deposit
View Details
$8M FDIC
Wealthfront
3.25% APY
Up to $8M FDIC coverage
View Details
Ally Bank
3.70% APY
Best overall experience
View Details

Why switching matters

National Average
0.41% APY
On $50,000: $205/year
Top HYSA Rate
5.00% APY
On $50,000: $2,500/year
You'd earn $2,295 more per year by switching

Master your savings strategy

Expert insights on maximizing APY, understanding compound interest, and building serious wealth.

💰

Rate Maximization

How to earn 12x more than traditional savings accounts
🔍

Hidden Fee Traps

The fees and restrictions banks don't advertise
📊

Smart Strategies

Emergency funds, CD laddering, and beyond

Find your best savings account in minutes

Compare 25+ FDIC-insured accounts. No signup required. See your perfect match instantly.