Variable rate. No interest for New York residents. Held at Cross River Bank and swept to partner banks, FDIC-insured up to $10M in total. Premium+ costs about $395/yr.

Pass-through coverage through partner banks; sweep program conditions apply.

Protection: Pass-through FDIC eligibility through Cross River Bank and sweep program banks; conditions and aggregate limits apply.

Rate schedule ↗ · Availability & coverage ↗ · YieldFinder listing (Oct 12, 2026) ↗

Checked 2026-10-13 · Provider rate date: 2026-07-27

Each month: $1,500 qualifying direct deposits and $1,500 average checking balance, OR $5,000 qualifying deposits and $5,000 average checking balance, by the 25th. Savings average balance must not exceed $249,999.99 for the boost. Other qualifying savings earns 4.21% up to $249,999.99 and 3.50% above; without qualification, 1.00%. No monthly maintenance fee. The opening cycle counts toward the six-cycle promotion. Additional deposit-program coverage has separate conditions.

Axos Bank; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Axos Bank. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Checked 2026-10-13 · Provider rate date: 2026-10-04

Combines the 3.55% base with a 0.75-point referral boost and a 0.25-point recurring-deposit boost. The recurring boost requires an eligible funded investing account plus $1,000 monthly direct deposits or $2,500 recurring deposits; it has no balance cap or scheduled expiry. The referral boost lasts 3 months on up to $150,000. The separate 0.65-point new-client boost is an alternative to the referral boost, not an additional stack. No Cash Account fees.

Applies to cash swept to program banks, subject to program conditions.

Protection: Cash swept to FDIC-insured program banks. Wealthfront is a brokerage, not a bank; pass-through conditions and aggregate limits apply.

Cash Account rates & terms ↗ · Published maximum & boost combinations ↗ · Referral terms ↗

Checked 2026-10-13 · Provider rate date: 2026-10-01

Standard APY is 3.50%. Referral boosts apply to accounts where you are the primary owner. New customers must not have held a Marcus savings account or CD in the previous 12 months. Additional referrals extend the boost consecutively rather than increasing the rate. Account balance limits apply. After the boost, the then-current standard rate applies. No monthly fee or minimum deposit.

Goldman Sachs Bank USA; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Savings rate & terms ↗ · Referral eligibility & boost terms ↗

Checked 2026-10-13 · Provider rate date: 2026-10-03

Without Plus, eligible direct deposit or $5,000 qualifying deposits every 31 days earns 3.30%; otherwise 0.80%. New customers opening September 3–December 31 can instead qualify for 4.20% for up to six months by meeting deposit requirements within 60 days and maintaining them. That boost cannot stack on the 4.50% tier. Joint-only accounts with two Plus subscribers can qualify for a $40,000 tier. Subscription fees reduce net earnings.

SoFi Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at SoFi Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗ · Plus membership cost & terms ↗ · Alternative new-customer promotion ↗

Checked 2026-10-13 · Provider rate date: 2026-09-23

Variable APY of 4.34% (4.25% interest rate), which Elevault states is accurate as of May 5, 2026. Elevault is a product of Southern Bancorp. You must be a US resident aged 18 or older and scan a valid US driver’s license or state ID to enroll. You fund it by linking an account at another bank, and Elevault may close profiles left unfunded for 60 days. Balances above $500,000 do not earn interest. Elevault says VaultKeys (account and routing numbers it assigns to a Vault) let you move more than $2,500, with the sending bank setting the limit.

Southern Bancorp Bank; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Southern Bancorp Bank. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rate & footnotes ↗ · Account agreement & eligibility ↗

Checked 2026-10-13 · Provider rate date: 2026-05-05

No monthly maintenance fee. One account per customer; opening funds have a five-business-day hold. Advertised rates are for new accounts and may differ for existing customers. Rates are variable. Higher balance tiers do not increase FDIC protection.

Idaho First Bank; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Idaho First Bank. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Checked 2026-10-13 · Provider rate date: 2026-10-01

Offered by Morgan Stanley Private Bank. No minimum opening deposit or monthly account fee. Promotion applies to eligible new accounts opened September 22, 2026–January 10, 2027, on balances up to $10 million; exceeding the cap may revert the entire balance to the standard rate. Existing accounts are ineligible. After six months, the variable base APY applies. Separate cash bonuses are excluded.

Morgan Stanley Private Bank; enhanced coverage program conditions apply.

Protection: FDIC-insured bank deposit with an enhanced coverage program; depositor, ownership, and program-bank aggregation limits apply.

Savings rates & promotion terms ↗ · Bank rate sheet ↗

Checked 2026-10-13 · No effective date published on rate page.

Earn interest starting at $0.01. Variable APY; Pibank is a brand of Intercredit Bank, so balances held under both names count toward the same FDIC limit.

Intercredit Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Intercredit Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Checked 2026-10-13 · Provider rate date: 2026-09-29

Variable APY; swept to partner banks (up to $8M joint coverage per Betterment).

Betterment; standard coverage limits apply.

Protection: Pass-through FDIC insurance through partner banks; conditions apply.

Official rate page (checked Oct 13, 2026) ↗

Checked 2026-10-13 · Observed: 2026-10-13

The bank publishes 4.20% but currently does not accept new Personal High Yield Savings applications. Published account terms specify $100 to open, no ongoing minimum balance, $0.01 to earn interest, and up to six withdrawals/transfers per statement cycle. Do not treat the waiting list as an available account.

Newtek Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Newtek Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Checked 2026-10-13 · No effective date published on rate page.

Variable APY for new accounts only, which EverBank states is accurate as of October 2, 2026; it may not apply to existing accounts. Interest compounds daily. The account opens only online or by phone, not at EverBank financial centers. Fees may reduce earnings.

EverBank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at EverBank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rate & account terms ↗

Checked 2026-10-13 · Provider rate date: 2026-10-02

Variable APYs accurate as of October 6, 2026. The rate is evaluated each statement cycle based on deposits in the previous cycle; interest payments, bonuses, credits, and refunds do not count as deposits. New accounts earn the LevelUp Rate until the first evaluation, which is the third statement cycle after opening. Multiple deposits can add up to the $250. Fees may reduce earnings.

Happen Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Happen Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Checked 2026-10-13 · Provider rate date: 2026-10-06

The boost is added to the variable standard APY for six months from opening, then the account earns the standard rate in effect. Accounts opened before September 23, 2026 are not eligible. Personal accounts only; cannot be combined with other Santander bonus offers. Fees may reduce earnings; see Openbank's fee schedule.

Santander Bank, N.A.; Openbank and Santander deposits aggregate for coverage.

Protection: Openbank is part of Santander Bank, N.A., Member FDIC. Deposits at Santander Bank and Openbank are combined, not separately insured; the standard $250,000 limit per depositor, bank, and ownership category applies.

Official rate & boost terms ↗

Checked 2026-10-13 · No effective date published on rate page.

Base APY is 3.75% at $5,000+, or 0.25% below $5,000. The 0.35-point boost follows the variable base rate and applies on balances up to $9,999,999. Eligible new and existing primary owners must enroll with the code. One offer per account/customer; exclusions include other above-standard rates, recent cash-bonus participation, trusts and custodial accounts. Returns to the then-current base after six months.

First-Citizens Bank & Trust Company; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at First-Citizens Bank & Trust Company. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗ · Standard balance tiers ↗

Checked 2026-10-13 · Provider rate date: 2026-07-01

Variable APY.

Chime; standard coverage limits apply.

Protection: Pass-through FDIC insurance through partner banks; conditions apply.

Official rate page (checked Oct 13, 2026) ↗

Checked 2026-10-13 · Observed: 2026-10-13

Qualify this month to earn 3.75% on up to $5,000 next month; other savings earns 1.00%. Requires a Varo Bank Account. No monthly savings fee or minimum balance. US adult eligibility applies.

Varo Bank, N.A.; standard coverage and same-bank aggregation limits apply.

Protection: FDIC-insured deposits at Varo Bank, N.A.. The standard $250,000 limit per depositor, bank, and ownership category aggregates other deposits at the same bank.

Official rates & account terms ↗

Checked 2026-10-13 · Provider rate date: 2026-07-01

Variable APY based on the tier containing your end-of-day balance. The published tiers stop at $1 million; confirm treatment of larger balances with Barclays. This is a balance-tier rate, not a temporary boost. The separate Barclays Online Savings account pays 3.20% APY as of September 11, 2026. Cash signup bonuses are excluded from this comparison.

Standard FDIC limits apply; the $250k–$1m yield tier does not increase coverage.

Protection: Barclays Bank Delaware is an FDIC member. The standard limit is $250,000 per depositor, per bank, per ownership category, including other deposits at the same bank. A higher APY balance tier does not increase insurance coverage; amounts above applicable limits may be uninsured.

Tiered Savings rates & balance tiers ↗ · Separate Online Savings rate ↗

Checked 2026-10-13 · Provider rate date: 2026-09-11

Variable rate, effective September 17, 2026. Applies to eligible settled cash, including options collateral. Up to $10,000 of eligible uninvested cash stays in the Brokerage-Held Cash Program; amounts above that are swept to banks. Managed Robinhood Strategies accounts also earn this rate on swept cash without Gold. Fees reduce net earnings.

Swept bank cash is eligible. Brokerage-held cash and options collateral are not FDIC insured.

Protection: Protection depends on where cash is held. Brokerage-held cash is not an FDIC-insured bank deposit; bank-swept cash is subject to program-bank deposit coverage terms. Robinhood is not a bank.

High-Yield Cash rate & eligibility ↗ · Cash sweep coverage ↗ · Program agreement & coverage distinctions ↗

Checked 2026-10-13 · Provider rate date: 2026-09-17

Variable APY.

Synchrony; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Official rate page (checked Oct 13, 2026) ↗

Checked 2026-10-13 · Observed: 2026-10-13

Variable APY, currently the same across all balance tiers. Certain withdrawals and transfers are limited to 10 per statement cycle; consult account terms.

Ally Bank; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Savings rate & terms ↗

Checked 2026-10-13 · Provider rate date: 2026-10-01

Variable APY; same rate on all balances.

Capital One; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Official rate page (checked Oct 13, 2026) ↗

Checked 2026-10-13 · Observed: 2026-10-13

Variable APY.

American Express; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Official rate page (checked Oct 13, 2026) ↗

Checked 2026-10-13 · Observed: 2026-10-13

Variable APY. Bank lists the rate as accurate as of Jul 28, 2026.

Citizens Access; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Official rate page (checked Oct 13, 2026) ↗

Checked 2026-10-13 · Observed: 2026-10-13

Standard rate on all balances; rates can vary by location.

Wells Fargo; standard coverage limits apply.

Protection: FDIC-insured bank deposit, subject to standard depositor, bank, and ownership-category limits.

Official rate page (checked Oct 13, 2026) ↗

Checked 2026-10-13 · Observed: 2026-10-13