Best high-yield savings account

Combined ranking

1. 1
   MMarcus by Goldman Sachs—6 pts

   GPT —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.

   To stay #1 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.

2. 2
   SSoFi—6 pts

   GPT —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.

   To rank higher Remove the direct deposit or $5,000 monthly deposit requirement to unlock the highest interest rate tier.

3. 3
   NNewtek Bank—5 pts

   GPT #1Claude —Gemini —

   Top-tier 4%+ APY, no monthly fee, no opening minimum, FDIC-insured, simple nationwide online access

   To rank higher Add stronger savings tools and a more proven consumer-banking app experience

4. 4
   OOpenbank—5 pts

   GPT —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."

   To rank higher 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.

5. 5
   WWealthfront—5 pts

   GPT —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.

   To rank higher Elevate the standard base APY to match the promotional rates of competitors without requiring referrals or direct deposits.

6. 6
   VVio Bank—4 pts

   GPT #2Claude —Gemini —

   Very competitive APY, low $100 opening minimum, no monthly fee, FDIC-insured through MidFirst Bank

   To rank higher Improve its dated digital experience and transfer/servicing polish

7. 7
   AAmerican Express—3 pts

   GPT —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.

   To rank higher 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.

8. 8
   BBread Savings—3 pts

   GPT #3Claude —Gemini —

   Consistently competitive APY, no monthly fee, straightforward online account, low $100 minimum, FDIC-insured

   To rank higher Lower or remove the opening minimum and add richer money-management features

9. 9
   CCIT Bank—3 pts

   GPT —Claude —Gemini #3

   Delivers a top-tier 4.10% promotional APY with no monthly maintenance fees and a secure, established online banking platform.

   To rank higher Drop the strict $5,000 minimum balance requirement needed to earn the highest APY tier.

10. 10
    AAlly Bank—2 pts

    GPT #5Claude #5Gemini —

    Best overall user experience among major HYSAs, no monthly fee or minimum, excellent buckets/boosters, reliable transfers and customer support

    To rank higher Increase the APY to match the highest-rate online banks

11. 11
    EEverBank—2 pts

    GPT #4Claude —Gemini —

    Strong APY from a more established full-service online bank, no monthly maintenance fee, good mobile access, FDIC insurance

    To rank higher Raise the APY closer to the very top no-fee leaders

12. 12
    CCapital One 360—1 pts

    GPT —Claude —Gemini #5

    Combines a stable 3.00% APY with fee-free accounts, no minimums, and access to physical Capital One Cafés and branches.

    To rank higher Increase the APY to narrow the gap with digital-only competitor rates.

By model

Tracked by ModelsAgree · rank 1 = 5 pts … rank 5 = 1 pt · re-polled continuously