Your savings should work as hard as you do. These online accounts pay roughly 6–8x the national average — we ranked them on APY, fees, minimums, and ease of use. Filter, sort, and compare before you open an account.
APYs are variable and change often — figures below are as of October 2026. Always confirm the current rate on the bank's site before opening an account. All accounts listed are FDIC-insured.
| Account ↕ | Rating ↕ | APY ↕ | Min. to earn APY | Monthly fee | Open account |
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Every account gets a score from 0 to 5. Our analysts weigh what matters most to savers:
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