{"updated_at":"2026-10-10","source":"YieldFinder","feed":{"updated_at":"2026-10-10","data":[{"id":"190","name":"X Money","institution_id":89,"apy":6,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"qualifying_option","notes":["6.00% APY with Premium+, or with $1,000 in qualifying payroll deposits or X Creator payouts during a trailing 34-day period. The deposit-based path does not require a paid subscription. Other eligible users earn 4.00% APY.","No monthly account maintenance fee. New York residents do not earn interest; a joint account with any New York owner also earns no interest. Optional subscriptions and transaction services can carry fees.","Funds are held at Cross River Bank, Member FDIC. Standard FDIC coverage is $250,000 per depositor, per insured bank, per ownership category; the automatic IntraFi sweep can provide up to $10 million in aggregate pass-through coverage across participating banks, subject to program conditions and deposit aggregation."],"reviewed_source_url":"https://money.x.com/en/i/faq","selected_terms_reviewed_at":"2026-09-29","fdic_coverage":10000000,"insurance_type":"fdic","insurance_coverage":10000000},{"id":"181","name":"Elevault","institution_id":80,"apy":4.34,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":500000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["Interest is paid daily on balances up to $500,000; no fees or minimum deposit.","Elevault is a product of Southern Bancorp, Member FDIC. Deposits at the same bank count toward the same insurance limit.","Mobile savings vaults with individual ownership. VaultKeys permit larger transfers initiated through your external bank."],"reviewed_source_url":"https://www.elevault.app/","selected_terms_reviewed_at":"2026-09-28","fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"44","name":"Peak Bank","institution_id":45,"apy":4.27,"rate_date":"2026-10-10","min_balance_for_apy":100,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":499999.99,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["4.01% APY applies below $500,000; balances of $500,000 or more earn the lower tier"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"182","name":"ValorFI Heroes High-Yield Savings","institution_id":81,"apy":4.25,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":5,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["High-Yield Savings APY applies to all balance tiers; $5 minimum opening deposit and no monthly maintenance fee.","ValorFI Heroes is operated by Gesa Credit Union; accounts are held at Gesa and insured by NCUA, not separately insured under the trade name.","Public ValorFI savings materials reviewed did not disclose joint-account support, wires, ACH timing, or transfer dollar limits."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"191","name":"InTouch Credit Union","institution_id":90,"apy":4.25,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":50,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["4.25% APY with no monthly fee or qualifying activity. A $50 opening deposit is required.","Membership is available nationwide through Friends of the Foundation, in addition to geographic, employer, and family eligibility paths.","Federally insured by NCUA up to the applicable legal limits."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"47","name":"Pibank","institution_id":47,"apy":4.25,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["App Only\n\nPibank does not accept ACH Transfers. Wire in/out or Plaid transfers only."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"164","name":"Axos","institution_id":12,"apy":4.21,"rate_date":"2026-10-10","min_balance_for_apy":1500,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":249999.99,"apy_cap_status":"capped","direct_deposit_required":"qualifying_option","notes":["Either: Receive at least $1,500 in total monthly qualifying direct deposits and maintain an average daily balance of more than $1,500.","Or, Receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.","Tracked APY requires the stated Axos ONE checking qualifications. The limited-time new-customer boost to 5.00% APY for the first six statement cycles is excluded."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"6","name":"Ever Bank","institution_id":37,"apy":4.2,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["4.20% APY is the currently advertised new-account rate and may not apply to existing accounts.","No monthly account fee or minimum balance requirement. Interest is compounded daily."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"17","name":"Lending Club","institution_id":41,"apy":4.2,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Requires a $250+ deposit per month"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"189","name":"Western State Bank","institution_id":88,"apy":4.2,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":10000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["$1,000 minimum opening deposit; no ongoing minimum balance fee","Personal accounts only; online applicants must be U.S. citizens age 18 or older","4.00% APY applies across advertised tiers up to the $10,000,000 account cap"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"48","name":"Newtek Bank","institution_id":42,"apy":4.2,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["4.20% APY with no monthly fee or ongoing minimum balance requirement. A $100 opening deposit is required.","The product-specific online application is active.","Newtek Bank, N.A. is a Member FDIC institution."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"50","name":"TotalBank","institution_id":58,"apy":4.17,"rate_date":"2026-10-10","min_balance_for_apy":2500,"min_deposit":25000,"monthly_fee":0,"max_balance_for_apy":1000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["Money Market account withdrawals are limited to six transactions per month"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"188","name":"Credit One High Yield Jumbo Savings","institution_id":87,"apy":4.15,"rate_date":"2026-10-10","min_balance_for_apy":100000,"min_deposit":100000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$100,000 required to open and maintain the account. The agreement has no separate minimum to earn interest; the bank may request a top-up or close an account below the maintenance minimum.","No monthly maintenance fee; unlimited transfers to and from the linked external bank account.","Credit One Bank is FDIC insured under certificate 25620."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"165","name":"OnPath Credit Union","institution_id":43,"apy":4.15,"rate_date":"2026-10-10","min_balance_for_apy":25000,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["OnPath Credit Union is open to national eligibility by making a $5 donation to the OnPath Foundation"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"172","name":"Oloy Bank","institution_id":71,"apy":4.15,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Division of Academy Bank","$1,000 minimum opening deposit"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"46","name":"Timbr Financial","institution_id":57,"apy":4.15,"rate_date":"2026-10-10","min_balance_for_apy":1000,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"186","name":"Accordia Bank High-Yield Savings","institution_id":85,"apy":4.1,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Official Limelight rates source lists 3.90% APY for the High-Yield Savings Account.","$100 minimum deposit required.","Limelight Bank is an online division of CCBank."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"183","name":"Always Savings","institution_id":82,"apy":4.1,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["No minimum deposit, no minimum balance, no account-related fees, and unlimited transfers are disclosed in the Always.bank FAQ.","Always.bank is a division of 22nd State Banking Company; deposits are FDIC-insured and combined with 22nd State Bank deposits for coverage.","Public Always Savings materials reviewed did not disclose joint-account support; outbound wires are not currently offered per FAQ."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"21","name":"CFG Bank","institution_id":24,"apy":4.05,"rate_date":"2026-10-10","min_balance_for_apy":1000,"min_deposit":1000,"monthly_fee":10,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["No check writing or debit card privileges are allowed with the High Yield Money Market Account","Once funding occurs, the daily external transfer limit for the CFG High Yield Money Market Account is $5,000"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"169","name":"316 Financial","institution_id":68,"apy":4.05,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Division of Primis Bank"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"49","name":"Bread Financial","institution_id":14,"apy":4.05,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"170","name":"Climate First Bank","institution_id":69,"apy":4.01,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":50,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$50 minimum opening deposit","The savings account does not support bill payment or external account-to-account transfers; those services require a related checking account."],"reviewed_source_url":"https://www.climatefirstbank.com/apply/super-duper-savings-account","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"167","name":"Vio Bank Online Savings","institution_id":60,"apy":4.01,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$5 monthly fee for paper statements."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"5","name":"UFB Direct","institution_id":59,"apy":4.01,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Standalone savings and the checking-and-savings bundle have different APYs and conditions. Check which offer applies before comparing rates."],"reviewed_source_url":"https://www.ufbdirect.com/savings","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"196","name":"WSB Digital High Yield Savings","institution_id":91,"apy":4.01,"rate_date":"2026-10-10","min_balance_for_apy":25000,"min_deposit":10,"monthly_fee":3,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["4.01% APY requires a $25,000 daily minimum balance; lower balances earn 0.50% APY.","$10 minimum opening deposit. The $3 monthly service charge is waived with a $250 minimum balance.","WSB Digital is an online division of Winchester Savings Bank, Member FDIC; deposits above FDIC limits are also covered by DIF."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"161","name":"Roger","institution_id":53,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":250000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["A checking account is required to earn the stated APY","Balances over 250k will not earn interest","Not available in CT, DE, MA, NH, NJ, NY, PA, RI"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"40","name":"Brilliant Bank","institution_id":13,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":1000,"min_deposit":1000,"monthly_fee":10,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["unavailable in Kansas, Missouri, Oklahoma and Arkansas"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"33","name":"Live Oak Bank","institution_id":30,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"37","name":"Ivy Bank","institution_id":40,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":2500,"min_deposit":2500,"monthly_fee":0,"max_balance_for_apy":1000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["6 withdrawals per monthly statement cycle"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"43","name":"Eagle Bank","institution_id":32,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Funds must be new to EagleBank to earn the stated APY"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"168","name":"CineFi","institution_id":67,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["NCUA insured through First Entertainment Credit Union","User reports anyone can join Filmmakers Alliance; first year complimentary","Plaid funding only; no wires; ACH limits reported"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"197","name":"Bank5 Connect Money Market","institution_id":92,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":100,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":1000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["4.00% APY requires a $100 minimum daily balance. Balances over $1,000,000 do not earn interest.","No monthly maintenance fee with eStatements; paper statements cost $1 per month.","Bank5 Connect is a division of BankFive, Member FDIC; deposits above FDIC limits are also covered by DIF."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"185","name":"AdelFi High-Yield Money Market","institution_id":84,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":100000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["4.00% APY promotional rate for 12 months on balances up to $100,000; new money only.","$1,000 minimum opening deposit; balances above $100,000 earn the AdelFi Savings Account rate.","AdelFi states it is not federally insured; accounts are privately insured up to $250,000 by members' choice."],"reviewed_source_url":"https://www.adelfibanking.com/personal/membership-benefits/","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":null,"insurance_type":"private","insurance_coverage":250000},{"id":"187","name":"First Bank of the Lake High Yield Savings","institution_id":86,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":2500,"min_deposit":2500,"monthly_fee":null,"max_balance_for_apy":500000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["4.00% APY requires a ,500 daily balance; maximum deposit is ,000.","Online rate is for personal and consumer funds only; no business or institutional funds.","Official disclosures say fees could reduce earnings but do not state a monthly maintenance fee."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"3","name":"Tab Bank","institution_id":56,"apy":3.95,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"4","name":"Popular Direct","institution_id":49,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":100,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"53","name":"Zynlo","institution_id":64,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"174","name":"Prime Alliance Bank","institution_id":72,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Variable APY applies to all balances"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"162","name":"Quontic","institution_id":51,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Monthly external transfer limits range from $2-20k"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"173","name":"Bask Bank","institution_id":35,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Base APY only; excludes temporary boost"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"206","name":"Sunflower Bank Velocity Money Market","institution_id":93,"apy":3.85,"rate_date":"2026-10-07","min_balance_for_apy":24999.01,"min_deposit":1000,"monthly_fee":28,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Displayed APY requires $24,999.01 or more; lower balances earn the lower tier APY.","Personal checking required. $8 monthly fee waived at $1,000 daily; an additional $20 fee is waived with $2,500 average collected checking balances.","$1,000 new money to open. Visit a branch or call; funds from closing Sunflower/First National 1870 CDs are an exception to the new-money rule."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"45","name":"Forbright Bank","institution_id":38,"apy":3.85,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"171","name":"Colorado Federal Bank","institution_id":70,"apy":3.85,"rate_date":"2026-10-10","min_balance_for_apy":1,"min_deposit":1,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Base High Yield Savings rate; excludes Premier tier"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"176","name":"Sallie Mae High-Yield Savings","institution_id":74,"apy":3.85,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"42","name":"Western Alliance","institution_id":62,"apy":3.8,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":500,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"51","name":"Openbank","institution_id":44,"apy":3.8,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":500,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Only available in states without Santander"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"39","name":"BrioDirect","institution_id":31,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":25,"min_deposit":5000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"205","name":"Merchants Bank of Indiana Money Market","institution_id":94,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":50,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$50 minimum opening deposit; no minimum balance is required to earn the advertised APY.","No monthly maintenance fee. More than six withdrawals or transfers in a monthly statement cycle may incur an excess-withdrawal fee.","Merchants Bank of Indiana serves customers nationwide through its digital banking platform and is a Member FDIC."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"26","name":"Etrade","institution_id":20,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":500000,"insurance_type":"fdic","insurance_coverage":500000},{"id":"10","name":"CIT Bank","institution_id":10,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":5000,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"178","name":"CIBC Agility Savings","institution_id":77,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"166","name":"HUSTL","institution_id":39,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":500,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$7,500 per day/$10,000 per month limit on both inbound and outbound transfers via ACH"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"52","name":"SalemFivedirect","institution_id":54,"apy":3.66,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":10,"monthly_fee":0,"max_balance_for_apy":1000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"24","name":"Barclays","institution_id":8,"apy":3.65,"rate_date":"2026-10-07","min_balance_for_apy":250000,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"unknown","direct_deposit_required":"no","notes":["Tiered Savings: displayed APY requires $250,000. Lower balances earn tier-specific APYs.","No monthly maintenance fee or minimum opening deposit. Deposits limited to $1 million per account; interest can take the balance above that limit.","The optional new-customer cash bonus is separate from the ongoing APY and is not included in the displayed rate."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"177","name":"Redneck Bank Mega Money Market","institution_id":76,"apy":3.6,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":500,"monthly_fee":0,"max_balance_for_apy":100000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"179","name":"Robinhood Banking Savings","institution_id":78,"apy":3.6,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":4.17,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Savings APY requires an annual Robinhood Gold subscription ($50/year). Qualifying direct deposit is required for checking APY and certain additional benefits, not savings APY.","The product page and linked agreement may display different dated APYs; use the current verified savings rate, not a brokerage cash-program yield.","Robinhood is a financial technology company, not a bank; banking services are provided by Coastal Community Bank, Member FDIC, with deposit sweep coverage through program banks."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":50000000,"insurance_type":"fdic","insurance_coverage":50000000},{"id":"11","name":"Wealthfront","institution_id":61,"apy":3.55,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":"https://www.wealthfront.com/blog/cash-account-apy/","selected_terms_reviewed_at":"2026-09-09","fdic_coverage":8000000,"insurance_type":"fdic","insurance_coverage":8000000},{"id":"15","name":"Synchrony","institution_id":6,"apy":3.55,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Checks are not available for the High Yield Savings account"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"175","name":"Northern Bank Direct","institution_id":73,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":5000,"min_deposit":5000,"monthly_fee":0,"max_balance_for_apy":249999.99,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["Money Market Premier; $5,000 minimum opening deposit","Balances at/above $250k earn lower rate"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"14","name":"Betterment","institution_id":34,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":10,"min_deposit":10,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Unlimited withdrawals; no account fees"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":4000000,"insurance_type":"fdic","insurance_coverage":4000000},{"id":"180","name":"Mercury Personal Savings","institution_id":79,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":20,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Requires a $240/year Mercury Personal subscription; fee is waived for eligible Mercury Business users.","Personal savings product only; do not use Mercury Treasury, Invest, or business banking yields for this row.","Mercury is a fintech company, not an FDIC-insured bank; banking services through Choice Financial Group and Column N.A., Members FDIC."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":5000000,"insurance_type":"fdic","insurance_coverage":5000000},{"id":"16","name":"Vanguard Cash Plus","institution_id":1,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Bank sweep through participating banks; Vanguard is not a bank.","The provider disclosed an automatic 0.25 percentage-point APY boost through September 30, 2026. Check the provider for the current base rate and promotion status.","No ATM card or checkwriting. E-delivery waives the account service fee; transfer holds and limits apply."],"reviewed_source_url":"https://investor.vanguard.com/accounts-plans/vanguard-cash-plus-account","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":1250000,"insurance_type":"fdic","insurance_coverage":1250000},{"id":"19","name":"Marcus","institution_id":11,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"2","name":"Vio Bank","institution_id":60,"apy":3.4,"rate_date":"2026-10-10","min_balance_for_apy":100,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$5 monthly fee for paper statements."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"7","name":"Public","institution_id":50,"apy":3.3,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":5000000,"insurance_type":"fdic","insurance_coverage":5000000},{"id":"18","name":"SoFi","institution_id":55,"apy":3.3,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"qualifying_option","notes":["Tracked APY excludes temporary boosts and the optional SoFi Plus tier; eligible-deposit APY requires eligible direct deposit or $5,000+ qualifying deposits every 31 days.","SoFi Savings High-Yield APY requires eligible direct deposit or $5,000+ in qualifying deposits every 31 days. Do not use SoFi Plus paid-subscription APY or limited-time APY boost figures for this savings row."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":3000000,"insurance_type":"fdic","insurance_coverage":3000000},{"id":"203","name":"PNC High Yield Savings","institution_id":48,"apy":3.15,"rate_date":"2026-10-10","min_balance_for_apy":1,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Regional offer: verified for Seattle ZIP 98101. Availability and rates depend on your home ZIP; not available in the prior Pennsylvania ZIP 19312.","$0 to open; $1 balance to earn interest; no monthly service charge.","PNC may refuse deposits that take combined savings/money-market balances above $5 million. Fees apply beyond six restricted transfers per monthly cycle."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"23","name":"Capital One","institution_id":27,"apy":3.1,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"25","name":"Discover","institution_id":26,"apy":3.1,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"20","name":"Ally","institution_id":7,"apy":3.1,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Limit of 10 free withdrawals per month","\"Buckets\" can be used to organize and track savings without needing multiple accounts"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"22","name":"American Express","institution_id":66,"apy":3.1,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"28","name":"Alliant Credit Union","institution_id":65,"apy":3.01,"rate_date":"2026-10-10","min_balance_for_apy":100,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"9","name":"BMO Alto","institution_id":36,"apy":3,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["BMO branches and ATMs are unable to provide support for your BMO Alto account."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"163","name":"Citizens Access","institution_id":23,"apy":2.8,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0.01,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"29","name":"PenFed","institution_id":46,"apy":2.7,"rate_date":"2026-10-10","min_balance_for_apy":5,"min_deposit":5,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"27","name":"Credit Karma","institution_id":25,"apy":2.6,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["6 withdrawals per monthly statement cycle "],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":5000000,"insurance_type":"fdic","insurance_coverage":5000000},{"id":"201","name":"BluPeak BluRipple Savings","institution_id":22,"apy":0.75,"rate_date":"2026-10-01","min_balance_for_apy":250000,"min_deposit":25,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Highest tier requires $250,000; lower balances earn 0.05%-0.65% APY.","$25 to open; no monthly service fee or ongoing minimum balance.","Membership required. Eligible applicants can join through a complimentary first-year KPBS affiliation; other membership routes are available."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"34","name":"Chime","institution_id":29,"apy":0.75,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Standard savings tier. Higher Plus and Prime APYs require qualifying direct deposits; a Chime Checking Account is required for savings."],"reviewed_source_url":"https://www.chime.com/savings/high-yield-savings-account/","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"30","name":"Schwab","institution_id":3,"apy":0.15,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"32","name":"BMO","institution_id":28,"apy":0.01,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":25,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000}]},"methodology_url":"https://yieldfinder.app/about/#methodology","data":[{"id":"190","name":"X Money","institution_id":89,"apy":6,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"qualifying_option","notes":["6.00% APY with Premium+, or with $1,000 in qualifying payroll deposits or X Creator payouts during a trailing 34-day period. The deposit-based path does not require a paid subscription. Other eligible users earn 4.00% APY.","No monthly account maintenance fee. New York residents do not earn interest; a joint account with any New York owner also earns no interest. Optional subscriptions and transaction services can carry fees.","Funds are held at Cross River Bank, Member FDIC. Standard FDIC coverage is $250,000 per depositor, per insured bank, per ownership category; the automatic IntraFi sweep can provide up to $10 million in aggregate pass-through coverage across participating banks, subject to program conditions and deposit aggregation."],"reviewed_source_url":"https://money.x.com/en/i/faq","selected_terms_reviewed_at":"2026-09-29","fdic_coverage":10000000,"insurance_type":"fdic","insurance_coverage":10000000},{"id":"181","name":"Elevault","institution_id":80,"apy":4.34,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":500000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["Interest is paid daily on balances up to $500,000; no fees or minimum deposit.","Elevault is a product of Southern Bancorp, Member FDIC. Deposits at the same bank count toward the same insurance limit.","Mobile savings vaults with individual ownership. VaultKeys permit larger transfers initiated through your external bank."],"reviewed_source_url":"https://www.elevault.app/","selected_terms_reviewed_at":"2026-09-28","fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"44","name":"Peak Bank","institution_id":45,"apy":4.27,"rate_date":"2026-10-10","min_balance_for_apy":100,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":499999.99,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["4.01% APY applies below $500,000; balances of $500,000 or more earn the lower tier"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"182","name":"ValorFI Heroes High-Yield Savings","institution_id":81,"apy":4.25,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":5,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["High-Yield Savings APY applies to all balance tiers; $5 minimum opening deposit and no monthly maintenance fee.","ValorFI Heroes is operated by Gesa Credit Union; accounts are held at Gesa and insured by NCUA, not separately insured under the trade name.","Public ValorFI savings materials reviewed did not disclose joint-account support, wires, ACH timing, or transfer dollar limits."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"191","name":"InTouch Credit Union","institution_id":90,"apy":4.25,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":50,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["4.25% APY with no monthly fee or qualifying activity. A $50 opening deposit is required.","Membership is available nationwide through Friends of the Foundation, in addition to geographic, employer, and family eligibility paths.","Federally insured by NCUA up to the applicable legal limits."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"47","name":"Pibank","institution_id":47,"apy":4.25,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["App Only\n\nPibank does not accept ACH Transfers. Wire in/out or Plaid transfers only."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"164","name":"Axos","institution_id":12,"apy":4.21,"rate_date":"2026-10-10","min_balance_for_apy":1500,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":249999.99,"apy_cap_status":"capped","direct_deposit_required":"qualifying_option","notes":["Either: Receive at least $1,500 in total monthly qualifying direct deposits and maintain an average daily balance of more than $1,500.","Or, Receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.","Tracked APY requires the stated Axos ONE checking qualifications. The limited-time new-customer boost to 5.00% APY for the first six statement cycles is excluded."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"6","name":"Ever Bank","institution_id":37,"apy":4.2,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["4.20% APY is the currently advertised new-account rate and may not apply to existing accounts.","No monthly account fee or minimum balance requirement. Interest is compounded daily."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"17","name":"Lending Club","institution_id":41,"apy":4.2,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Requires a $250+ deposit per month"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"189","name":"Western State Bank","institution_id":88,"apy":4.2,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":10000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["$1,000 minimum opening deposit; no ongoing minimum balance fee","Personal accounts only; online applicants must be U.S. citizens age 18 or older","4.00% APY applies across advertised tiers up to the $10,000,000 account cap"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"48","name":"Newtek Bank","institution_id":42,"apy":4.2,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["4.20% APY with no monthly fee or ongoing minimum balance requirement. A $100 opening deposit is required.","The product-specific online application is active.","Newtek Bank, N.A. is a Member FDIC institution."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"50","name":"TotalBank","institution_id":58,"apy":4.17,"rate_date":"2026-10-10","min_balance_for_apy":2500,"min_deposit":25000,"monthly_fee":0,"max_balance_for_apy":1000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["Money Market account withdrawals are limited to six transactions per month"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"188","name":"Credit One High Yield Jumbo Savings","institution_id":87,"apy":4.15,"rate_date":"2026-10-10","min_balance_for_apy":100000,"min_deposit":100000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$100,000 required to open and maintain the account. The agreement has no separate minimum to earn interest; the bank may request a top-up or close an account below the maintenance minimum.","No monthly maintenance fee; unlimited transfers to and from the linked external bank account.","Credit One Bank is FDIC insured under certificate 25620."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"165","name":"OnPath Credit Union","institution_id":43,"apy":4.15,"rate_date":"2026-10-10","min_balance_for_apy":25000,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["OnPath Credit Union is open to national eligibility by making a $5 donation to the OnPath Foundation"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"172","name":"Oloy Bank","institution_id":71,"apy":4.15,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Division of Academy Bank","$1,000 minimum opening deposit"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"46","name":"Timbr Financial","institution_id":57,"apy":4.15,"rate_date":"2026-10-10","min_balance_for_apy":1000,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"186","name":"Accordia Bank High-Yield Savings","institution_id":85,"apy":4.1,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Official Limelight rates source lists 3.90% APY for the High-Yield Savings Account.","$100 minimum deposit required.","Limelight Bank is an online division of CCBank."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"183","name":"Always Savings","institution_id":82,"apy":4.1,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["No minimum deposit, no minimum balance, no account-related fees, and unlimited transfers are disclosed in the Always.bank FAQ.","Always.bank is a division of 22nd State Banking Company; deposits are FDIC-insured and combined with 22nd State Bank deposits for coverage.","Public Always Savings materials reviewed did not disclose joint-account support; outbound wires are not currently offered per FAQ."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"21","name":"CFG Bank","institution_id":24,"apy":4.05,"rate_date":"2026-10-10","min_balance_for_apy":1000,"min_deposit":1000,"monthly_fee":10,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["No check writing or debit card privileges are allowed with the High Yield Money Market Account","Once funding occurs, the daily external transfer limit for the CFG High Yield Money Market Account is $5,000"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"169","name":"316 Financial","institution_id":68,"apy":4.05,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Division of Primis Bank"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"49","name":"Bread Financial","institution_id":14,"apy":4.05,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"170","name":"Climate First Bank","institution_id":69,"apy":4.01,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":50,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$50 minimum opening deposit","The savings account does not support bill payment or external account-to-account transfers; those services require a related checking account."],"reviewed_source_url":"https://www.climatefirstbank.com/apply/super-duper-savings-account","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"167","name":"Vio Bank Online Savings","institution_id":60,"apy":4.01,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$5 monthly fee for paper statements."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"5","name":"UFB Direct","institution_id":59,"apy":4.01,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Standalone savings and the checking-and-savings bundle have different APYs and conditions. Check which offer applies before comparing rates."],"reviewed_source_url":"https://www.ufbdirect.com/savings","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"196","name":"WSB Digital High Yield Savings","institution_id":91,"apy":4.01,"rate_date":"2026-10-10","min_balance_for_apy":25000,"min_deposit":10,"monthly_fee":3,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["4.01% APY requires a $25,000 daily minimum balance; lower balances earn 0.50% APY.","$10 minimum opening deposit. The $3 monthly service charge is waived with a $250 minimum balance.","WSB Digital is an online division of Winchester Savings Bank, Member FDIC; deposits above FDIC limits are also covered by DIF."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"161","name":"Roger","institution_id":53,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":250000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["A checking account is required to earn the stated APY","Balances over 250k will not earn interest","Not available in CT, DE, MA, NH, NJ, NY, PA, RI"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"40","name":"Brilliant Bank","institution_id":13,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":1000,"min_deposit":1000,"monthly_fee":10,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["unavailable in Kansas, Missouri, Oklahoma and Arkansas"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"33","name":"Live Oak Bank","institution_id":30,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"37","name":"Ivy Bank","institution_id":40,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":2500,"min_deposit":2500,"monthly_fee":0,"max_balance_for_apy":1000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["6 withdrawals per monthly statement cycle"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"43","name":"Eagle Bank","institution_id":32,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Funds must be new to EagleBank to earn the stated APY"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"168","name":"CineFi","institution_id":67,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["NCUA insured through First Entertainment Credit Union","User reports anyone can join Filmmakers Alliance; first year complimentary","Plaid funding only; no wires; ACH limits reported"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"197","name":"Bank5 Connect Money Market","institution_id":92,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":100,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":1000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["4.00% APY requires a $100 minimum daily balance. Balances over $1,000,000 do not earn interest.","No monthly maintenance fee with eStatements; paper statements cost $1 per month.","Bank5 Connect is a division of BankFive, Member FDIC; deposits above FDIC limits are also covered by DIF."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"185","name":"AdelFi High-Yield Money Market","institution_id":84,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":100000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["4.00% APY promotional rate for 12 months on balances up to $100,000; new money only.","$1,000 minimum opening deposit; balances above $100,000 earn the AdelFi Savings Account rate.","AdelFi states it is not federally insured; accounts are privately insured up to $250,000 by members' choice."],"reviewed_source_url":"https://www.adelfibanking.com/personal/membership-benefits/","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":null,"insurance_type":"private","insurance_coverage":250000},{"id":"187","name":"First Bank of the Lake High Yield Savings","institution_id":86,"apy":4,"rate_date":"2026-10-10","min_balance_for_apy":2500,"min_deposit":2500,"monthly_fee":null,"max_balance_for_apy":500000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["4.00% APY requires a ,500 daily balance; maximum deposit is ,000.","Online rate is for personal and consumer funds only; no business or institutional funds.","Official disclosures say fees could reduce earnings but do not state a monthly maintenance fee."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"3","name":"Tab Bank","institution_id":56,"apy":3.95,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"4","name":"Popular Direct","institution_id":49,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":100,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"53","name":"Zynlo","institution_id":64,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"174","name":"Prime Alliance Bank","institution_id":72,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Variable APY applies to all balances"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"162","name":"Quontic","institution_id":51,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Monthly external transfer limits range from $2-20k"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"173","name":"Bask Bank","institution_id":35,"apy":3.9,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Base APY only; excludes temporary boost"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"206","name":"Sunflower Bank Velocity Money Market","institution_id":93,"apy":3.85,"rate_date":"2026-10-07","min_balance_for_apy":24999.01,"min_deposit":1000,"monthly_fee":28,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Displayed APY requires $24,999.01 or more; lower balances earn the lower tier APY.","Personal checking required. $8 monthly fee waived at $1,000 daily; an additional $20 fee is waived with $2,500 average collected checking balances.","$1,000 new money to open. Visit a branch or call; funds from closing Sunflower/First National 1870 CDs are an exception to the new-money rule."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"45","name":"Forbright Bank","institution_id":38,"apy":3.85,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"171","name":"Colorado Federal Bank","institution_id":70,"apy":3.85,"rate_date":"2026-10-10","min_balance_for_apy":1,"min_deposit":1,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Base High Yield Savings rate; excludes Premier tier"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"176","name":"Sallie Mae High-Yield Savings","institution_id":74,"apy":3.85,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"42","name":"Western Alliance","institution_id":62,"apy":3.8,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":500,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"51","name":"Openbank","institution_id":44,"apy":3.8,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":500,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Only available in states without Santander"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"39","name":"BrioDirect","institution_id":31,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":25,"min_deposit":5000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"205","name":"Merchants Bank of Indiana Money Market","institution_id":94,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":50,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$50 minimum opening deposit; no minimum balance is required to earn the advertised APY.","No monthly maintenance fee. More than six withdrawals or transfers in a monthly statement cycle may incur an excess-withdrawal fee.","Merchants Bank of Indiana serves customers nationwide through its digital banking platform and is a Member FDIC."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"26","name":"Etrade","institution_id":20,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":500000,"insurance_type":"fdic","insurance_coverage":500000},{"id":"10","name":"CIT Bank","institution_id":10,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":5000,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"178","name":"CIBC Agility Savings","institution_id":77,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":1000,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"166","name":"HUSTL","institution_id":39,"apy":3.75,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":500,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$7,500 per day/$10,000 per month limit on both inbound and outbound transfers via ACH"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"52","name":"SalemFivedirect","institution_id":54,"apy":3.66,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":10,"monthly_fee":0,"max_balance_for_apy":1000000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"24","name":"Barclays","institution_id":8,"apy":3.65,"rate_date":"2026-10-07","min_balance_for_apy":250000,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"unknown","direct_deposit_required":"no","notes":["Tiered Savings: displayed APY requires $250,000. Lower balances earn tier-specific APYs.","No monthly maintenance fee or minimum opening deposit. Deposits limited to $1 million per account; interest can take the balance above that limit.","The optional new-customer cash bonus is separate from the ongoing APY and is not included in the displayed rate."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"177","name":"Redneck Bank Mega Money Market","institution_id":76,"apy":3.6,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":500,"monthly_fee":0,"max_balance_for_apy":100000,"apy_cap_status":"capped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"179","name":"Robinhood Banking Savings","institution_id":78,"apy":3.6,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":4.17,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Savings APY requires an annual Robinhood Gold subscription ($50/year). Qualifying direct deposit is required for checking APY and certain additional benefits, not savings APY.","The product page and linked agreement may display different dated APYs; use the current verified savings rate, not a brokerage cash-program yield.","Robinhood is a financial technology company, not a bank; banking services are provided by Coastal Community Bank, Member FDIC, with deposit sweep coverage through program banks."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":50000000,"insurance_type":"fdic","insurance_coverage":50000000},{"id":"11","name":"Wealthfront","institution_id":61,"apy":3.55,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":1,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":"https://www.wealthfront.com/blog/cash-account-apy/","selected_terms_reviewed_at":"2026-09-09","fdic_coverage":8000000,"insurance_type":"fdic","insurance_coverage":8000000},{"id":"15","name":"Synchrony","institution_id":6,"apy":3.55,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Checks are not available for the High Yield Savings account"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"175","name":"Northern Bank Direct","institution_id":73,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":5000,"min_deposit":5000,"monthly_fee":0,"max_balance_for_apy":249999.99,"apy_cap_status":"capped","direct_deposit_required":"no","notes":["Money Market Premier; $5,000 minimum opening deposit","Balances at/above $250k earn lower rate"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"14","name":"Betterment","institution_id":34,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":10,"min_deposit":10,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Unlimited withdrawals; no account fees"],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":4000000,"insurance_type":"fdic","insurance_coverage":4000000},{"id":"180","name":"Mercury Personal Savings","institution_id":79,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":20,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Requires a $240/year Mercury Personal subscription; fee is waived for eligible Mercury Business users.","Personal savings product only; do not use Mercury Treasury, Invest, or business banking yields for this row.","Mercury is a fintech company, not an FDIC-insured bank; banking services through Choice Financial Group and Column N.A., Members FDIC."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":5000000,"insurance_type":"fdic","insurance_coverage":5000000},{"id":"16","name":"Vanguard Cash Plus","institution_id":1,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Bank sweep through participating banks; Vanguard is not a bank.","The provider disclosed an automatic 0.25 percentage-point APY boost through September 30, 2026. Check the provider for the current base rate and promotion status.","No ATM card or checkwriting. E-delivery waives the account service fee; transfer holds and limits apply."],"reviewed_source_url":"https://investor.vanguard.com/accounts-plans/vanguard-cash-plus-account","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":1250000,"insurance_type":"fdic","insurance_coverage":1250000},{"id":"19","name":"Marcus","institution_id":11,"apy":3.5,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"2","name":"Vio Bank","institution_id":60,"apy":3.4,"rate_date":"2026-10-10","min_balance_for_apy":100,"min_deposit":100,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["$5 monthly fee for paper statements."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"7","name":"Public","institution_id":50,"apy":3.3,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":5000000,"insurance_type":"fdic","insurance_coverage":5000000},{"id":"18","name":"SoFi","institution_id":55,"apy":3.3,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"qualifying_option","notes":["Tracked APY excludes temporary boosts and the optional SoFi Plus tier; eligible-deposit APY requires eligible direct deposit or $5,000+ qualifying deposits every 31 days.","SoFi Savings High-Yield APY requires eligible direct deposit or $5,000+ in qualifying deposits every 31 days. Do not use SoFi Plus paid-subscription APY or limited-time APY boost figures for this savings row."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":3000000,"insurance_type":"fdic","insurance_coverage":3000000},{"id":"203","name":"PNC High Yield Savings","institution_id":48,"apy":3.15,"rate_date":"2026-10-10","min_balance_for_apy":1,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Regional offer: verified for Seattle ZIP 98101. Availability and rates depend on your home ZIP; not available in the prior Pennsylvania ZIP 19312.","$0 to open; $1 balance to earn interest; no monthly service charge.","PNC may refuse deposits that take combined savings/money-market balances above $5 million. 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Eligible applicants can join through a complimentary first-year KPBS affiliation; other membership routes are available."],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"ncua","insurance_coverage":250000},{"id":"34","name":"Chime","institution_id":29,"apy":0.75,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":["Standard savings tier. Higher Plus and Prime APYs require qualifying direct deposits; a Chime Checking Account is required for savings."],"reviewed_source_url":"https://www.chime.com/savings/high-yield-savings-account/","selected_terms_reviewed_at":"2026-09-05","fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"30","name":"Schwab","institution_id":3,"apy":0.15,"rate_date":"2026-10-10","min_balance_for_apy":0,"min_deposit":0,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000},{"id":"32","name":"BMO","institution_id":28,"apy":0.01,"rate_date":"2026-10-10","min_balance_for_apy":0.01,"min_deposit":25,"monthly_fee":0,"max_balance_for_apy":null,"apy_cap_status":"uncapped","direct_deposit_required":"no","notes":[],"reviewed_source_url":null,"selected_terms_reviewed_at":null,"fdic_coverage":250000,"insurance_type":"fdic","insurance_coverage":250000}],"url":"https://yieldfinder.app/rates/savings.json"}