Best High-Yield Savings Accounts of 2026
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We compared the top online savings accounts on APY, fees, and ease of use. Here are our picks.
How we chose
We evaluated 12 online savings accounts across APY, monthly fees, minimum balances, and app quality, then ranked the top three.
Our top picks
Best Overall
SoFi Checking & Savings
4.8 / 5
All-around value
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Best for Rates
Marcus by Goldman Sachs
4.6 / 5
Pure savings rate
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Best for No Fees
Ally Online Savings
4.5 / 5
Fee-conscious savers
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Compare all picks
| Product | Score | Best for | Key spec | |
|---|---|---|---|---|
| Best Overall SoFi Checking & Savings | 4.8/5 | All-around value | Up to 4.00% APY | Check price |
| Best for Rates Marcus by Goldman Sachs | 4.6/5 | Pure savings rate | 4.10% APY | Check price |
| Best for No Fees Ally Online Savings | 4.5/5 | Fee-conscious savers | No monthly fees | Check price |
The picks in detail
Best Overall: SoFi Checking & Savings — 4.8/5
A strong all-rounder: competitive APY, no monthly fees, and a polished app.
Pros
- High APY
- No account fees
- Early direct deposit
Cons
- APY needs direct deposit
Best for Rates: Marcus by Goldman Sachs — 4.6/5
A no-frills, high-rate savings account from a name you know.
Pros
- Top-tier APY
- No minimum deposit
- Trusted brand
Cons
- No checking / ATM access
Best for No Fees: Ally Online Savings — 4.5/5
Excellent fee-free experience with handy automatic savings tools.
Pros
- Zero fees
- Savings buckets
- 24/7 support
Cons
- Rate slightly below leaders