Tania Brown, certified financial planner at SaverLife.When a financial institution is federally insured, up to $250,000 per depositor is secure in a bank account. Although First Republic Bank, Silicon Valley Bank, and Signature Bank have recently been shut down, keep in mind money is safe at a federally insured financial institution. Our top picks for savings accounts are protected by FDIC or NCUA insurance. Capital One 360 Performance Savings: 4.15% (as of 6/23/23) APY.Marcus High Yield Online Savings Account: 4.15% (as of ) APY.SoFi Checking and Savings: up to 4.30% with direct deposit APY.Synchrony High-Yield Savings Account: 4.30% APY.These bank accounts may not necessarily have the highest rates out there, but they are still significantly higher than what you'd earn with a traditional savings account. If you're interested in a good rate at a national brand, here are some banks that offer competitive rates. Laurel Road High Yield Savings®: 4.80% APYīest Rates on Popular High-yield Savings Accounts.UFB Premier Savings: 4.81% (as of ) APY.Bask Bank Interest Savings Account: 4.85% APY.You might like one of these options if you're looking for a high-yield savings account that has a low minimum opening deposit and is easy to maintain: Salem Five Direct eOne Savings: 5.01% APYīest Rates on High-yield Savings Accounts With Minimal Effort.Columbia Bank High Yield Savings Account, powered by Raisin: 5.15% APY.These accounts have some of the highest savings rates overall right now: Top High-yield Savings Accounts Best Rates Overall The best online banks also typically offer accounts with minimal bank fees. High-yield savings account can typically be found at online banks or credit unions. We monitor our guide daily to find the best high-interest savings accounts in three categories - popular brands with good rates, accounts that let you earn a high rate with minimal effort, and best rates overall - so you have well-rounded options to choose from. The national average savings account rate is 0.42%, but you can earn up to 5.15% APY with an online bank right now. A high-yield savings account pays a much higher interest rate than a traditional one.
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