Top High-Yield Savings APY (2026)
4.50%
Top online HYSA APY available to all consumers
Summary
The top high-yield savings account APY available to US consumers is approximately 4.50% in 2026, offered by online banks like SoFi, Marcus, Ally, Discover, and Capital One 360. The FDIC national average is just 0.42%, meaning the top tier pays roughly 10× the average. Top APYs typically lag the Fed funds rate (4.50%) by 0-50 basis points.
Breakdown
Source
FDIC National Rates / Bankrate· As of 2026-Q1
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All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.