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Joel O’Leary is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, mortgages, and other personal finance topics. Joel has been writing about personal finance since 2018, previously leading editorial content for the How To Money podcast and serving as a resident writer at Budgets Are Sexy. He bought his first rental property at age 18, funding the down payment with savings from his high school job at McDonald’s -- a testament to his lifelong passion for smart money decisions. His work aims to make personal finance accessible and actionable for everyday readers. When he’s not writing, Joel enjoys surfing and spending time with his family.
Many or all of the products here are from our partners that compensate us.It’s how we make money. But oureditorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.
Most Americans are still earning pennies in a typical savings account. But the best high-yield savings accounts (HYSAs) today are paying 20x to 30x more -- with zero risk and no fees.
I've personally earned thousands in interest over the past few years just by moving my money into an HYSA. And right now, rates are still near their peak, but that may not last much longer. With potential Fed rate cuts on the horizon,now's a great time to lock in a top-tier yield.
Our expert team has spent over 100 hours researching, reviewing, and testing the best options available. Here are the top picks for high-yield savings accounts to help you make the most of your money.
Featured High-Yield Savings Accounts
If you're short on time, here are some of our favorite high-yield savings accounts:
SoFi Checking and Savings (Member FDIC): Earnup to 4.00%APY for a limited time + earn a $50 or $300 bonus. Terms apply
All of the accounts above have APYs that are nearly 10x the national average savings account interest rate (nope, that's not a typo!).
Our team of experts assessed100+ banking institutions
We evaluate all banking institutions across the same 4 key criteria: annual percentage yield (APY), brand reputation, fees and minimum requirements, and additional perks
Our bank ratings arenever influenced by our advertising partners
We strictly feature products that offer federal insurance and high customer satisfaction, keeping our recommendations unbiased
Compare all of our best high-yield savings accounts:
4.90/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
up to 4.00%
Rate info Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Min. balance to earn: $0
Limited-time offer:
Earn $50 or $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply.
Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/26. Rates variable, subject to change. Terms apply atsofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
4.90/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rate info 3.30%¹ annual percentage yield as of February 16, 2026. Terms apply.
Min. balance to earn: $0²
N/A
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
¹The Annual Percentage Yield (APY) as advertised is accurate as of February 16, 2026. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.
²There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.
³iOS and Android only. See app store listings for operating system info.
⁴For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding federal holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information.
¹The Annual Percentage Yield (APY) as advertised is accurate as of February 16, 2026. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.
²There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.
³iOS and Android only. See app store listings for operating system info.
⁴For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding federal holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information.
4.40/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rate info The annual percentage yield (APY) is accurate as of January 8, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Min. balance to earn: $500 to open, $0.01 for max APY
N/A
4.40/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
The annual percentage yield (APY) is accurate as ofJanuary 8, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Accurate as of the time of publication. The national average rate referenced is from the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of January 20, 2026. For more information, you can check the FDIC website.
The annual percentage yield (APY) is accurate as ofJanuary 8, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Accurate as of the time of publication. The national average rate referenced is from the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of January 20, 2026. For more information, you can check the FDIC website.
4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rate info The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met. Axos ONE Savings earns a base rate of 1.00% APY. It earns a promotional rate of 4.21% APY on the first $499,999.99 and 4.01% APY on any additional balance for the statement cycle in which the requirements are met.
Min. balance to earn: $0 for base rates, $1,500 for max APY
N/A
4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
The Annual Percentage Yield (APY) is accurate as of 2/1/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.
The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.
Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:
Option 1
Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.
The average daily balance of your Axos ONE® Checking account is at least $1,500.
Option 2
Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.
The average daily balance of your Axos ONE® Checking account is at least $5,000.
If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:
The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first $499,999.99 and 4.01% APY on any additional balance for the statement cycle in which the requirements are met
The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.
A direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.
Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) mobile check deposits, (iv) real time payments. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder's Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds, (v) ATM deposits.
Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
The Annual Percentage Yield (APY) is accurate as of 2/1/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.
The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.
Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:
Option 1
Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.
The average daily balance of your Axos ONE® Checking account is at least $1,500.
Option 2
Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.
The average daily balance of your Axos ONE® Checking account is at least $5,000.
If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:
The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first $499,999.99 and 4.01% APY on any additional balance for the statement cycle in which the requirements are met
The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.
A direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.
Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) mobile check deposits, (iv) real time payments. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder's Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds, (v) ATM deposits.
Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
4.60/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rate info LevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. LevelUp Rate applies for first two statement cycles. Rates variable & subject to change at any time. See terms: https://www.lendingclub.com/legal/deposits/levelup-savings-t-and-cs
N/A
4.60/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
3.30%
Rate info See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Jan. 8, 2026. Rates are subject to change at any time before or after account opening.
Min. balance to earn: $0
N/A
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
3.85%
Rate info Balances less than $250,000 earn 3.85%, and balances greater than $250,000 earn 4.00%.
Min. balance to earn: $0
Special Offer
Earn $200 Bonus with qualifying activities. Terms Apply.
To earn a $200 bonus, new customers can open a savings account; deposit $30,000 or more within 30 days; and maintain at least that balance for 120 consecutive days. The bonus will be credited to your account within 60 days of meeting these requirements. Offer ends Mar. 31, 2026. Terms apply.
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
3.75%
Min. balance to earn: $0.01
N/A
4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
EverBank Performance℠ Savings is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the issuer. Some items may be out of date.
EverBank Performance℠ Savings is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the issuer. Some items may be out of date.
At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products. Accounts are evaluated across four main criteria:
APY
Brand and reputation
Fees and minimum requirements
Accessibility and features
Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees. Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions.Learn more about how Motley Fool Money rates bank accounts.
At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products. Accounts are evaluated across four main criteria:
APY
Brand and reputation
Fees and minimum requirements
Accessibility and features
Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees. Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions.Learn more about how Motley Fool Money rates bank accounts.
Expert insights on savings rates
The Federal Reserve cut interest rates three times in 2025, which has already started to take some pressure off savings yields. Looking ahead to 2026, most forecasts suggest a slower pace of cuts or a pause as the Fed monitors inflation and economic growth. That means rates on high-yield savings accounts could drift lower over time, even if the process isn’t immediate.
Even so, these accounts remain a smart place to keep money you want protected from the ups and downs of the stock and bond markets. Cash doesn’t lose value, and most high-yield savings accounts are FDIC insured up to $250,000 per account type.
They’re still called “high-yield” savings accounts for a reason. Regardless of what the Fed does next, these accounts typically pay meaningfully more than traditional checking or savings options, making them a solid choice for short-term savings and emergency funds.
-Robert Brokamp, Certified Financial Planner® and Senior Advisor at The Motley Fool
Reviews of our favorite high-yield savings accounts
4.90/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.90/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Earn $50 or $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply.
Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/26. Rates variable, subject to change. Terms apply atsofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
APY
up to 4.00% Rate info Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Min. To Earn APY
$0
Competitive APY on both Savings and Checking
No monthly account fee
Welcome bonus up to $300 (direct deposit required)
ATM access
Unlimited number of external transfers (up to daily transaction limits)
FDIC insured (up to $3M with opt-in to SoFi Insured Deposit Program)
Early access to direct deposits
Tools to help you track savings goals
Combo account only; no stand-alone savings or checking
Maximum Savings APY requires direct deposit
No branch access; online only
Overdraft protection requires monthly direct deposit minimum
For those who plan to set up direct deposit with their new account, we think SoFi Checking and Savings (Member FDIC) is hard to beat. Not only does this savings account offer a strong APY, but the linked checking account earns an above-average rate, too -- which is a rare perk. Plus, new customersearn a bonus of up to $300 with eligible direct deposit. Frankly, it's the kind of combo that could make it worthwhile to switch banking relationships.
Why I like it: SoFi® has a way of winning people over. You might come for the high annual percentage yield (APY), but many end up switching their everyday banking here too. With no account fees, helpful savings tools, and a super clean app, it just makes managing money easy.
And right now, there's a limited-time offer available: Earn $50 or $300 and +0.70% Boost on Savings APY with direct deposit. Terms apply.
What you should know: To unlock the best perks and highest APY, you'll need to set up direct deposit. SoFi® automatically opensboth a checking and savings account, so you can move money between spending and saving without skipping a beat.
First-hand review from one of our employees who uses SoFi Checking and Savings (Member FDIC) personally:
"I was interested in an online bank since I'd seen that a lot of them offered higher APYs than traditional banks. We chose to go with SoFi® because it offered some of the highest rates and had good reviews. Overall, it has been a good fit for us. Transfers are seamless, and the app is easy to navigate and keep track of activity with."
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
3.30%¹ Rate info 3.30%¹ annual percentage yield as of February 16, 2026. Terms apply.
Min. To Earn APY
$0²
Competitive APY
No monthly account fee²
Comfort of a well-known brand and reputation
Unlimited number of external transfers (up to daily transaction limits)⁴
24/7 customer support
FDIC insured
No ATM access
No branch access; online only
No cash deposits
American Express High Yield Savings may not have the highest APY on our list, but it still offers a rate well above average and requires no minimum deposit to open for the highest APY². It's a good fit for those who want to save at a competitive rate while avoiding withdrawal limits or minimum balance requirements.
¹The Annual Percentage Yield (APY) as advertised is accurate as of February 16, 2026. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.
²There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.
³iOS and Android only. See app store listings for operating system info.
⁴For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding federal holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information.
Why I like it: The American Express® High Yield Savings Account is a high-trust option from a name you already know. There are no monthly fees, no minimums, and the account is refreshingly easy to use.2 It's also included in our list of the10 safest banks in the U.S., so you can rest easy parking a large balance there.
What you should know: If you're already an American Express National Bank (Member FDIC) customer, adding this HYSA to your lineup is quick and seamless. Just keep in mind Amex is an online-only bank -- there's no ATM access or debit card, so your funds must be accessed via its website or mobile app.3
First-hand review from one of our employees who uses American Express® High Yield Savings Account (Member FDIC) personally:
"I was drawn to an American Express® High Yield Savings Account because of its high APY, absence of fees and withdrawal limits, and my trust in the brand.2 The account integrates seamlessly with my other bank accounts. The user interface is easy to use. As an existing Amex card holder, opening a savings account with them was painless."
-Jack Caporal, Research Director
Best for earning a high rate without tiers or balance requirements
4.40/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.40/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
3.80% Rate info The annual percentage yield (APY) is accurate as of January 8, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Min. To Earn APY
$500 to open, $0.01 for max APY
Competitive APY
No monthly account fee
Unlimited number of external transfers (up to daily transaction limits)
FDIC insured
Can open an individual or joint account
Deposits and withdrawals can only be conducted via ACH transfer to/from an external bank account (limit to one linked account)
No ATM access
No wire transfers (inbound and outbound)
No branch access; online only
Western Alliance Bank offers a higher APY than most high-yield savings accounts. Plus, it's FDIC insured; therefore, deposits are perfectly safe up to applicable legal limits. The main drawback is that accounts don't have many features. For example, you can only deposit and withdraw funds via ACH transfer to/from an external bank account. This account is solid for those who want a sky-high APY, but don't mind a bare-bones banking experience.
The annual percentage yield (APY) is accurate as ofJanuary 8, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.
Accurate as of the time of publication. The national average rate referenced is from the FDIC’s published National Rates and Rate Caps for Savings deposit products, accurate as of January 20, 2026. For more information, you can check the FDIC website.
Why I like it: Western Alliance Bank High-Yield Savings Premier offers a 3.80% APY on all balances -- no tiers or minimum balance hoops to jump through. You'll need $500 to open the account, but once it's funded, you can maintain any balance and still earn the same competitive rate. It's a strong, straightforward option for savers looking for solid returns from a reputable bank.
What you should know: Even though Western Alliance Bank has an app, you'll need to access your Western Alliance Bank High-Yield Savings Premier account through the bank's website for now. It's an online-only experience, but transfers and account management are easy once you're set up.
Best for maximizing your rate with bundled banking
4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.50/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
up to 4.21% Rate info The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met. Axos ONE Savings earns a base rate of 1.00% APY. It earns a promotional rate of 4.21% APY on the first $499,999.99 and 4.01% APY on any additional balance for the statement cycle in which the requirements are met.
Min. To Earn APY
$0 for base rates, $1,500 for max APY
Earn a competitive APY on checking and savings
Pay no monthly maintenance or account fees
No cap on how much you can save
Access to fee-free ATM network
Extra conditions required to earn the advertised rate
No physical branches for in-person help
The Axos ONE® bundle makes your money work overtime – all under one roof. Meet the direct deposit and balance requirements, and you'll earnup to 4.21% APY on savings andup to 0.51% APY on checking, some of the highest rates we've seen lately. There are no physical branches, but you can still access cash easily through a network of over 95,000 fee-free ATMs. It's a simple, high-reward setup that actually pays off.
The Annual Percentage Yield (APY) is accurate as of 2/1/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.
The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.
Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:
Option 1
Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.
The average daily balance of your Axos ONE® Checking account is at least $1,500.
Option 2
Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.
The average daily balance of your Axos ONE® Checking account is at least $5,000.
If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:
The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first $499,999.99 and 4.01% APY on any additional balance for the statement cycle in which the requirements are met
The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.
A direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.
Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) mobile check deposits, (iv) real time payments. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder's Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds, (v) ATM deposits.
Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
Why I like it: Axos Bank rewards you for keeping your checking and savings under one roof. When you open an Axos ONE® checking and savings bundle, you can qualify for one of the most competitive APYs available -- a nice perk if you're looking for a simple, all-in-one setup that earns more on your cash.
What you should know: The boosted APY isn't automatic. To qualify, you'll need to meet one of these requirements:
Receive at least $1,500 in monthly qualifying direct deposits and maintain an average daily balance above $1,500, or
Receive at least $5,000 in monthly qualifying deposits and keep an average daily balance above $5,000.
If you don't meet the criteria, you'll earn a lower rate.
4.60/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.60/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.00% APY with $250+ in monthly deposits Rate info LevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. LevelUp Rate applies for first two statement cycles. Rates variable & subject to change at any time. See terms: https://www.lendingclub.com/legal/deposits/levelup-savings-t-and-cs
Min. To Earn APY
N/A
Competitive APY
No fees
Easy ATM access
Unlimited number of external transfers (up to daily transaction limits)
Requires you to make monthly deposits to earn the best APY
ACH outbound transfers limited to $10,000 per day for some accounts
No branch access; online only
The LendingClub LevelUp Savings account has a lot to offer. At the top of the list is its high APY, though you must deposit monthly to earn the best rate. Next is zero account fees, a strong and straightforward perk. Finally, you get a free ATM card, which you can use to withdraw from thousands of ATMs nationwide. Interested? You can open an account with $0.
Why I like it: This account has one of the highest APYs on the page, provided you can meet the $250 monthly deposit requirement. It's easy to open, easy to use, and there are no monthly fees.
What you should know: LendingClub gives you a debit card connected to your savings account, which is quite rare. Also, it covers ATM fees! Outbound transfers areunlimited, but daily limits may apply depending on your banking status. This is a non-issue for most people, but something to note nonetheless.
First-hand review from one of our employees who uses LendingClub LevelUp Savings personally:
"I've had a LendingClub HYSA for three years. They do a great job of assuring me my money is safe despite being an online-only bank. Good communication about my APY, an easy-to-use app, and an ATM card that gives me the option to withdraw if I ever need to. Plus, I've been really pleased with the above-average APY."
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
3.30% Rate info See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Jan. 8, 2026. Rates are subject to change at any time before or after account opening.
Min. To Earn APY
$0
Competitive APY
No monthly account fee
Comfort of a well-known brand and reputation
Branch access (if you live near one)
24/7 customer support
FDIC insured
No ATM access
Capital One 360 Performance Savings checks all the boxes we look for in a high-yield savings account. It even offers branch locations and Capital One Cafes where customers can seek in-person support (if you live near one). This makes it a great fit when you want to reap the rewards of online banking but aren't quite ready to cut ties with brick-and-mortar banks.
Why I like it: What sets this bank apart is the availability of branch locations and full-service banking support. It just adds a nice layer of convenience rarely found with high-yield savings accounts.
What you should know: While the account offers branch access, this perk is only useful if you live near a Capital One location -- otherwise, in-person banking isn't an option. Make sure to check that before deciding if this is right for you.
First-hand review from one of our employees who uses Capital One 360 Performance Savings personally:
"My family and I have enjoyed the convenience of banking with Capital One overall. The accounts are easy to use, the interface is simple, money moves quickly, and while savings rates aren't top of the market, they're much higher than mainline banks."
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Earn $200 Bonus with qualifying activities. Terms Apply.
To earn a $200 bonus, new customers can open a savings account; deposit $30,000 or more within 30 days; and maintain at least that balance for 120 consecutive days. The bonus will be credited to your account within 60 days of meeting these requirements. Offer ends Mar. 31, 2026. Terms apply.
APY
3.85% Rate info Balances less than $250,000 earn 3.85%, and balances greater than $250,000 earn 4.00%.
Min. To Earn APY
$0
Competitive APY
No monthly account fee
Unlimited number of external transfers (up to daily transaction limits)
FDIC insured
No minimum deposit to open an account
Balance requirement for maximum APY
No ATM access
No wire transfers (inbound or outbound)
No branch access; online only
Barclays Tiered Savings rewards savers with a tiered APY structure, offering higher rates as your balance grows. No monthly fees and no minimum balance to open mean it's accessible to everyone, while unlimited transfers and withdrawals let you manage your savings your way. And now, you can take advantage of a special offer $200 bonus on top of your savings growth when you open a new account and deposit $30,000 or more. Offer ends Mar. 31, 2026. Terms apply.
Why I like it: If you've got a balance over $250,000, you'll be in the top tier earning the highest APY. But the good news is all other tiers still earn a solid 3.85% APY -- one of the highest on our list.
Plus, there are no monthly fees or balance requirements to worry about. Everybody wins, no matter your balance.
What you should know: There's no debit card or checking account available at Barclays. And since money transfers can take a couple days to process, it's better suited for money you're setting aside for longer-term goals.
4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
With no fees and no account minimums, E*TRADE Premium Savings can be a great add-on to your E*TRADE brokerage account. Its APY is decent, but you can find better interest rates at other banks.
Why I like it: E*TRADE recently earned our Best Stock Broker for ETFs Award in 2025. It offers a strong APY, no monthly fees, and easy money transfers between your savings, checking, and investment accounts.
What you should know: This savings account pairs well with the E*TRADE Max-Rate Checking account, which also earns a competitive APY and includes global ATM fee refunds. It's a great fit for savers who also want to keep their investing and banking under one roof.
4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
EverBank Performance℠ Savings has one of the top APYs on our savings account radar, especially among accounts that require no minimum deposit. There are no maintenance fees, and there are multiple options for making deposits into the account. For customers who live in Florida, there are several physical locations to visit.
EverBank Performance℠ Savings is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the issuer. Some items may be out of date.
Why I like it: EverBank may not be a household name (unless you live in Florida, where it has some branch locations) but it offers one of the highest APYs available right now. This is a no-frills, high-yield account that's built for savers who want to maximize interest above all else.
What you should know: There's no minimum deposit or monthly contribution needed to earn the top APY. Even though EverBank may not be a household name, it's FDIC insured and a trustworthy place to store and grow your money.
How to open a high-yield savings account
Opening an account is fast, easy, and can usually be done entirely online. Most applications take less than 10 minutes.
What you'll need to apply:
Government-issued ID (like a driver's license or passport)
Social Security number
Current address
External bank account details (to fund your new account)
If you're opening ajoint savings account, both people will need to provide this info.
Pro tip: Many banks offer a welcome bonus or top APYonly when you set up direct deposit -- so that's worth doing immediately after sign-up. Just take note of your new account number and bank routing details and provide it when needed for direct deposit.
What to know about savings accounts
With a savings account, your bank pays you interest on your money -- usually every month. How much interest you earn is determined by the account's annual percentage yield (APY). You'll earn more interest with an account that has a high APY, butwhat is a good APY? Understanding what qualifies as a competitive rate can help you maximize your earnings.
The best online savings accounts offer both convenience and high interest rates. A larger balance or a higher savings account interest rate results in more interest.
It's always good to compare savings account interest rates before opening an account. The best savings account interest rates can add a nice bump in your funds without much effort on your part.
Fees for extra withdrawals after your first six withdrawals at some banks
Are high-yield savings accounts safe?
Yes, high-yield savings accounts are safe -- as long as the bank is FDIC insured. This federal protection guarantees your deposits up to $250,000 per account type, even if the bank were to fail. Many online banks offer high-yield savings accounts with competitive rates, but you might be wondering:Are online banks safe? The good news is that reputable online banks follow the same security standards as traditional banks, including FDIC insurance and strong encryption protocols.
If you're looking for extra peace of mind, you might also consider banking with one of thesafest banks, which have strong financial stability and customer protections in place.
Compare types of savings accounts
As you comparesavings accounts, think about what you'll use the account for.
Do you want to be able to withdraw your money at any time to cover unexpected expenses?
Are you saving up for a major goal over several years, and could use every dollar of interest you can earn?
Here's a look at the common types of savings accounts you'll run into.
Traditional savings account: These accounts are usually easy to open and easy to access. But APYs tend to be pretty low, and most of these accounts carry maintenance fees if your balance falls below a certain amount.
High-yield savings account: These are similar to traditional savings accounts, but they offer much higher APYs and most don't have monthly maintenance fees.
Money market account:Money market accounts offer the APYs of a savings account with the easier access of a checking account. However, these accounts usually have higher minimum balance requirements than typical savings accounts.
Certificate of deposit (CD) account:Certificates of deposit (CDs) can sometimes offer higher APYs than even the top high-yield savings accounts. If you're looking for the best APY on a savings account, CDs are definitely worth considering. But you have to agree not to withdraw your funds for the full CD term (which could be months or years).
Specialty savings account: A specialty savings account is a savings account that's geared at a certain group of people or goals. Examples include kids' savings accounts, health saving accounts, and education savings accounts.
Ahigh-yield savings account (HYSA) is a savings account that offers a much higher annual percentage yield (APY) than average and is usually (but not always) offered by an online-based financial institution.
Here are a few things to look for in a HYSA:
High APY: The top savings accounts should include a high APY in range with our picks.
No monthly maintenance fee: Most of the best savings accounts won't charge a monthly maintenance fee.
FDIC insurance: Whether you're putting money aside to build an emergency fund or wanting to earn more interest, security is important.
A high-yield savings account is a great place to keep your emergency fund, as well as funds for any short-term savings goals (like a vacation or a down payment to purchase a home). And there is nothing wrong with having multiple savings accounts. In fact, it's generally a good idea to keep your emergency savings separate from the rest of your money.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set ofpublishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page. APYs are subject to change at any time without notice.
Motley Fool Stock Disclosures
HSBC Holdings is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. SLM is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. Synchrony Financial is an advertising partner of Motley Fool Money. Ally is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Charles Schwab is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money.Joel O'Leary has positions in Target. The Motley Fool has positions in and recommends Axos Financial, Goldman Sachs Group, JPMorgan Chase, Target, and U.S. Bancorp. The Motley Fool recommends Barclays Plc, Capital One Financial, Charles Schwab, and HSBC Holdings and recommends the following options: short March 2026 $100 calls on Charles Schwab. The Motley Fool has adisclosure policy.
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