Best high-yield savings account
3 models · updated 2026-07-02
The verdict
Marcus by Goldman Sachs leads — 0 of 3 models rank Marcus by Goldman Sachs the top pick.
Not unanimous: ChatGPT picks Newtek Bank; Claude picks Openbank; Gemini picks Wealthfront.
As of 2026-07-02, ChatGPT, Claude and Gemini collectively rank Marcus by Goldman Sachs #1 for high-yield savings account on ModelsAgree by aggregate score, though no single model picks it first. The models' case: Consistently competitive APY, no fees and no minimums, trusted Goldman Sachs backing, clean app, and useful extras like same-day transfers up to a limit and a savings. The models' main caveat: Add a checking/ATM and cash-deposit option so it functions as a full banking hub instead of savings-only, and push the APY to match the fintech. The strongest alternative is SoFi — Provides up to 3.80% APY, no account fees, a comprehensive financial app, and up to $2M in FDIC insurance with no minimum balance. Not unanimous: ChatGPT picks Newtek Bank; Claude picks Openbank; Gemini picks Wealthfront. Source: https://modelsagree.com/best/best-high-yield-savings-account (modelsagree.com, CC BY 4.0).
Combined ranking
- 1GPT —Claude #2Gemini #4
Consistently competitive APY, no fees and no minimums, trusted Goldman Sachs backing, clean app, and useful extras like same-day transfers up to a limit and a savings bonus for referrals.
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Claude Consistently competitive APY, no fees and no minimums, trusted Goldman Sachs backing, clean app, and useful extras like same-day transfers up to a limit and a savings bonus for referrals.
Gemini Features a consistent 3.40% APY with no fees, no minimum deposit, same-day transfers, and a highly polished mobile interface.
Where it falls shortper Claude Add a checking/ATM and cash-deposit option so it functions as a full banking hub instead of savings-only, and push the APY to match the fintech leaders.
per Gemini Add integrated checking features like mobile check deposit or a debit card for direct account access.
- 2GPT —Claude #4Gemini #2
Provides up to 3.80% APY, no account fees, a comprehensive financial app, and up to $2M in FDIC insurance with no minimum balance.
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Gemini Provides up to 3.80% APY, no account fees, a comprehensive financial app, and up to $2M in FDIC insurance with no minimum balance.
Claude High APY when you set up direct deposit, combines checking + savings with no fees, up to $2M in FDIC coverage via partner-bank sweep, early paycheck access, and a strong all-in-one app with vaults and tools.
Where it falls shortper Claude Stop gating the top APY behind a direct-deposit requirement so users who can't reroute their paycheck still earn the headline rate.
per Gemini Remove the direct deposit or $5,000 monthly deposit requirement to unlock the highest interest rate tier.
- 3GPT #1Claude —Gemini —
Top-tier 4%+ APY, no monthly fee, no opening minimum, FDIC-insured, simple nationwide online access
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GPT Top-tier 4%+ APY, no monthly fee, no opening minimum, FDIC-insured, simple nationwide online access
Where it falls shortper GPT Add stronger savings tools and a more proven consumer-banking app experience
- 4GPT —Claude #1Gemini —
One of the top APYs among major-bank-backed accounts, FDIC-insured through Santander, no minimum balance and no monthly fees, fully digital with strong mobile app, and the backing of a global bank reduces "fintech risk."
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Claude One of the top APYs among major-bank-backed accounts, FDIC-insured through Santander, no minimum balance and no monthly fees, fully digital with strong mobile app, and the backing of a global bank reduces "fintech risk."
Where it falls shortper Claude Drop the requirement that the top rate is promotional/relationship-tiered and guarantee the headline APY long-term rather than letting it step down after the intro period.
- 5GPT —Claude —Gemini #1
Offers a high 3.30% base APY (boosted up to 4.05% via referrals), check-writing privileges, debit card access, and $8M in FDIC insurance.
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Gemini Offers a high 3.30% base APY (boosted up to 4.05% via referrals), check-writing privileges, debit card access, and $8M in FDIC insurance.
Where it falls shortper Gemini Elevate the standard base APY to match the promotional rates of competitors without requiring referrals or direct deposits.
- 6GPT #2Claude —Gemini —
Very competitive APY, low $100 opening minimum, no monthly fee, FDIC-insured through MidFirst Bank
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GPT Very competitive APY, low $100 opening minimum, no monthly fee, FDIC-insured through MidFirst Bank
Where it falls shortper GPT Improve its dated digital experience and transfer/servicing polish
- 7GPT —Claude #3Gemini —
Rock-solid brand trust, no fees or minimums, reliable APY that doesn't chase-and-drop, excellent customer service, and seamless integration for existing Amex cardholders.
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Claude Rock-solid brand trust, no fees or minimums, reliable APY that doesn't chase-and-drop, excellent customer service, and seamless integration for existing Amex cardholders.
Where it falls shortper Claude Speed up its notoriously slow external transfer times and raise the APY, which typically trails the leading online banks by a few tenths of a point.
- 8GPT #3Claude —Gemini —
Consistently competitive APY, no monthly fee, straightforward online account, low $100 minimum, FDIC-insured
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GPT Consistently competitive APY, no monthly fee, straightforward online account, low $100 minimum, FDIC-insured
Where it falls shortper GPT Lower or remove the opening minimum and add richer money-management features
- 9GPT —Claude —Gemini #3
Delivers a top-tier 4.10% promotional APY with no monthly maintenance fees and a secure, established online banking platform.
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Gemini Delivers a top-tier 4.10% promotional APY with no monthly maintenance fees and a secure, established online banking platform.
Where it falls shortper Gemini Drop the strict $5,000 minimum balance requirement needed to earn the highest APY tier.
- 10GPT #5Claude #5Gemini —
Best overall user experience among major HYSAs, no monthly fee or minimum, excellent buckets/boosters, reliable transfers and customer support
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GPT Best overall user experience among major HYSAs, no monthly fee or minimum, excellent buckets/boosters, reliable transfers and customer support
Claude Long-trusted online bank, no fees or minimums, "buckets" and "boosters" savings tools, strong reputation and customer service, and a full ecosystem of checking, savings, and investing.
Where it falls shortper GPT Increase the APY to match the highest-rate online banks
per Claude Raise its APY, which has slipped below top-tier competitors, to reclaim its former rate-leader position.
- 11GPT #4Claude —Gemini —
Strong APY from a more established full-service online bank, no monthly maintenance fee, good mobile access, FDIC insurance
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GPT Strong APY from a more established full-service online bank, no monthly maintenance fee, good mobile access, FDIC insurance
Where it falls shortper GPT Raise the APY closer to the very top no-fee leaders
- 12GPT —Claude —Gemini #5
Combines a stable 3.00% APY with fee-free accounts, no minimums, and access to physical Capital One Cafés and branches.
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Gemini Combines a stable 3.00% APY with fee-free accounts, no minimums, and access to physical Capital One Cafés and branches.
Where it falls shortper Gemini Increase the APY to narrow the gap with digital-only competitor rates.
Just missed the top 5
GPT Varo Savings Account — headline APY is excellent but capped and requirement-heavy · Poppy Bank Premier Online Savings — strong APY but higher minimum and less proven national consumer footprint
Claude CIT Bank — top-tier APY but requires a $5,000 balance to earn the best rate, penalizing smaller savers
Gemini Varo Savings Account — requires meeting complex monthly activity rules to earn its highest APY, otherwise dropping to a negligible base rate · Ally Bank — offers innovative goal-bucket features and zero fees but lags behind top competitors with a 3.00% APY
By model
ChatGPT
- 1.Newtek Bank
- 2.Vio Bank
- 3.Bread Savings
- 4.EverBank
- 5.Ally Bank
Claude
- 1.Openbank
- 2.Marcus by Goldman Sachs
- 3.American Express
- 4.SoFi
- 5.Ally Bank
Gemini
- 1.Wealthfront
- 2.SoFi
- 3.CIT Bank
- 4.Marcus by Goldman Sachs
- 5.Capital One 360
Common questions
What is the best high-yield savings account according to AI models?
Marcus by Goldman Sachs leads. 0 of 3 models rank Marcus by Goldman Sachs the top pick. The current top 3: Marcus by Goldman Sachs, SoFi, Newtek Bank. Ranked by asking ChatGPT, Claude, Gemini the same buying question and merging their top-5 picks, updated 2026-07-02. Source: modelsagree.com.
Which high-yield savings account did each AI model pick first?
ChatGPT: Newtek Bank. Claude: Openbank. Gemini: Wealthfront.
Do the AI models agree on the best high-yield savings account?
Not unanimous. ChatGPT picks Newtek Bank; Claude picks Openbank; Gemini picks Wealthfront.
How is this high-yield savings account ranking made?
ChatGPT, Claude, Gemini are each asked the same buying question in a fresh session with no system steering. Their top-5 answers are merged (rank 1 = 5 pts … rank 5 = 1 pt) into the consensus ranking, re-polled on demand and tracked over time.
More on how polling works: full methodology →
Cite this ranking
ModelsAgree, “Best high-yield savings account” — merged ranking from ChatGPT, Claude, Gemini & Grok, polled 2026-07-02. https://modelsagree.com/best/best-high-yield-savings-account (CC BY 4.0)
Tracked by ModelsAgree · rank 1 = 5 pts … rank 5 = 1 pt · re-polled on demand