High-Yield Savings Rates, Tracked
One APY per account, dated, with the strength of its source stated. No advertised rates, no undated figures, every change logged.
A rate table you can cite. Every APY carries the date it was read and the strength of its source, because those are not the same for every bank. Most publish their rate as text you can read and quote. A few publish it through a script, where there is no figure in the page to cite at all — and the table says which is which rather than flattening the difference.
Checked monthly. Every change is written into the log at the bottom rather than overwritten silently, so you can see which direction rates are moving and how fast.
Rates, with their sources
| Account | APY | Conditions | Read on | Source |
|---|---|---|---|---|
| Bread Savings | 3.95% | $100 to open | 5 Sep 2026 | Observed · Bread |
| SoFi Savings | 3.10% | Requires qualifying direct deposit. 0.80% without | 2 Sep 2026 | On file · re-check due |
| Ally Savings | 3.00% | None. Same rate on all balance tiers | 16 Sep 2026 | Primary · Ally rate sheet |
| Capital One 360 Performance Savings | 3.10% | None. Applies to all balances | 25 Sep 2026 | Primary · Capital One |
| SoFi Savings, first $20,000 | 4.50% | Requires SoFi Plus at $10 a month. Capped at $20,000 | 2 Sep 2026 | On file · re-check due |
| National average, all savings accounts | 0.38% | 17 Aug 2026 | FDIC national rates |
Note on Bread. Bread publishes its APY through a script rather than as text, so the figure cannot be read from the page source the way Ally’s and Capital One’s can. 3.95% is the rate last observed on 5 September 2026 and is the most recent dated figure we can point at — but it is one verification step weaker than the rows above it, and this note stays until that changes.
Rates are variable and can change on any business day. The date beside each figure is the date we read it, not a guarantee it still holds. Check the linked source before you move money.
Why published rates disagree with each other
On 18 September 2026 we looked up one account — Capital One 360 Performance Savings — across the pages that rank for savings-rate queries. Five sources, five answers.
| Published APY | What the page said about it |
|---|---|
| 3.00% | Capital One's own disclosure text, effective 2 June 2026 |
| 3.85% | A major comparison site, dated 9 January 2026 |
| 4.00% | A review site, no date, described as a flat rate on every dollar |
| 4.10% | A lead-generation site, headlined as the "official" APY |
| 3.00–4.25% | A review site that gave up and published the range it found |
Bread Savings is the same story from the other direction. Its own page renders the APY in a script, so there is no figure in the page text to cite — and the sources that fill the gap disagree with each other: 3.95% (a national title, 29 July 2026), 4.00% (two comparison sites, undated), 4.30% (December 2025) and 4.40% (no date given). Four published rates for one account, none of them checkable against the bank in plain text.
Only the first Capital One figure is traceable to the bank. The rest are some combination of stale, unsourced, or lifted from another page that was already wrong. The last one is the most honest of the four, because it admits the author never established the rate.
This happens for three reasons worth separating. Savings APYs are variable, so any undated figure is worthless within weeks. Many comparison pages carry an advertised rate from a bank's affiliate feed rather than the rate on the bank's disclosure, and those can lag or differ. And a growing share of the results for these queries are generated pages with no verification step at all.
The practical consequence: the number you act on should come from the bank, and any table worth reading should tell you when it was checked. That is the whole design of this page.
How we verify
Every bank row is in one of three tiers, and the source column names it. The FDIC benchmark at the foot of the table is not a bank account and sits outside this scheme.
- Primary. The figure is printed as text on the bank's own rate page or account disclosure, and the source column links to it. Ally and Capital One are both primary: Ally's rate sheet carries "correct as of 09/16/26", Capital One's disclosure carries an effective date. This is the tier every row should be in.
- Observed. The bank publishes its rate through a script, so no figure exists in the page to quote. We record the most recent dated observation we can point at, link the bank's page anyway, and carry a note on the row saying it is weaker. Bread is the only row in this tier today. It is a documented compromise, not a hidden one — omitting a bank many readers use is its own kind of misleading.
- On file, re-check due. The figure was read from the bank's own page on the date shown, but has not been re-read this cycle — so we will not link it as though it were checked today. Both SoFi rows sit here. A figure in this state is still dated and still sourced; it is simply older than the page around it, and saying so is cheaper than pretending otherwise.
- Never an advertised rate from an affiliate feed, and never an undated figure, in either tier.
- The read date goes in the table beside the figure. If a bank publishes its own "accurate as of" date, we use theirs.
- Conditional rates are written out in full. A headline APY that needs a direct deposit, a subscription, or a balance cap is not comparable to an unconditional one, and collapsing them into a single column is how rate tables mislead.
- If we can reach neither a primary source nor a dated observation, the row stays out. A gap is more useful than a guess.
- Changes are appended to the log below, not written over the old figure.
Reading the table properly
The spread between the top of this table and the bottom is about one percentage point. On a $10,000 emergency fund that is roughly $100 a year before tax — real money, but not enough to justify chasing a rate across three banks in a year. The bigger decisions sit elsewhere: whether the rate is conditional, whether the money is actually insured, and whether you will pay tax on the interest at 22% or 37%.
Note also what the highest figure in the table costs. SoFi's 4.50% applies to the first $20,000 and requires a $10-a-month subscription at $120 a year. Fill the tier completely and the gross interest is $900; net of the subscription you keep $780, an effective 3.90%. Bread's unconditional 3.95% pays $790 on the same balance. So the highest advertised rate in the table is beaten by the highest plain rate at the cap — and by a wider margin at every balance below it, since the $120 is fixed while the interest is not. Breaking even against 3.95% would take $21,818, which the $20,000 cap does not allow. Against the 3.00% accounts the subscription does pay for itself, above about $8,000.
For what the account type actually is and how it compares to a money market product, see HYSA vs. money market. For the shortlist with the accounts written up rather than tabulated, see best high-yield savings accounts.
Change log
| Date | Change |
|---|---|
| 25 Sep 2026 | Capital One 360 Performance Savings up from 3.00% to 3.10% (effective 25 Sep 2026; interest rate 3.0568%, per the account disclosure). |
| 18 Sep 2026 | Table opened. Baseline figures recorded; no changes to report yet. |
Next scheduled check: mid-October 2026.
New launches we're watching
Three new apps launched US savings accounts in 2026. Rates checked October 3, 2026:
- Nu (Nubank), September 2026: 3.50% APY on all balances, no fees or minimum, held at FDIC-insured Lead Bank. Nu says a 4.50% rate on up to $10,000 is coming for customers who also use its credit card.
- Klarna, June 2026: 3.28% APY on the free plan, held at FDIC-insured WebBank. Paid Klarna memberships raise it to as much as 3.78% on balances up to $50,000, so the boost only pays off on larger balances.
- Branch, October 2026: 3.25% APY with an average daily balance of $500 or more, 1.25% below that. It launched first inside the Uber Pro Card for drivers and couriers, with the Branch app to follow.
None beats the top accounts in the table above on the base rate, which is why they aren't ranked yet.
Common questions
Why do different sites list different APYs for the same account?
Three reasons. The rates are variable, so an undated figure goes stale within weeks. Many comparison pages carry an advertised rate from the bank's affiliate programme rather than the rate on the bank's own disclosure. And some review pages publish figures with no verifiable source at all. The only figure worth citing is the one on the bank's rate page, with the date it was read.
How often do these rates change?
There is no schedule. Banks set them and can move them on any business day, usually after a change in the federal funds rate but sometimes independently, to manage how much deposit money is coming in. A rate can hold for months and then move twice in a fortnight.
What is the national average savings rate?
0.38% APY, per the FDIC's Monthly National Rates and Rate Caps accurate as of 17 August 2026. That average includes branch accounts at the large banks, which is why the gap to an online account looks as wide as it does.
Is the highest APY always the best account?
No. Check whether the headline rate is conditional. Several pay their top rate only with a qualifying direct deposit, only on a capped slice of the balance, or only with a paid subscription. A slightly lower unconditional rate is often worth more than a higher one you have to keep qualifying for.
Do I pay tax on the interest?
Yes. Bank interest is ordinary income, reported on a 1099-INT if you earn $10 or more in a year, and taxed at your marginal rate. A 4% APY is not a 4% return after tax.
Where does this page get its figures?
Each APY carries its read date and the strength of its source. Most are primary — printed as text on the bank's own rate page, with a link to it. Where a bank publishes its rate through a script and no quotable figure exists, the row is marked as an observation and carries a note saying so. No figure comes from an affiliate feed, and nothing undated goes in at all.
Can I cite this table?
Yes, and we would rather you did that than copy the figures without the dates. Link to this page and the date stamps travel with the numbers. If you find a figure here that disagrees with the bank, tell us and we will correct it.
Figures and rules on this page are checked against the official sources below. Where they disagree with us, they win.