Top High-Yield Savings APY (2026)
4.20%
Top online HYSA APY available to all consumers (September 2026)
Summary
The top high-yield savings account APY available to US consumers is about 4.20% in September 2026 (Newtek Bank; Axos pays up to 4.21% with activity requirements). Big-name online banks pay less: Wealthfront 3.55%, Marcus 3.50%, SoFi 3.10% base (up to 4.00% with direct deposit and a promotional boost), and Ally, Capital One 360, and American Express 3.00%. The FDIC national average is just 0.42%, meaning the top tier pays roughly 10× the average.
Breakdown
Source
FDIC National Rates / Bankrate· As of 2026-09
Related stats
More savings & banking stats
All Pulsafi stats are sourced from primary government data and major financial institutions. Read the full methodology and data-sources page.