How Much Could You Earn?
Deposit Amount
APY
Annual Earnings
$450
Not Financial Advice: APY rates change frequently and may differ from rates shown. WiseIQ is not a licensed financial advisor. Always verify current rates directly with the institution before opening an account.
How we rank: Products are ranked by credit score fit, rates, fees, and features — not by commission size. See full methodology →
Highest APY
Marcus High-Yield Savings
Goldman Sachs Bank USA
Best Rate
4.50%
Annual Percentage Yield (APY)
Marcus by Goldman Sachs consistently offers one of the highest APYs available with zero fees and no minimum balance. Backed by one of the world's most trusted financial institutions.
No monthly fees
No minimum balance
FDIC insured up to $250,000
Easy transfers to/from any bank
24/7 customer support
WiseIQ may earn a referral fee if you open an account. APY subject to change.
Ally Online Savings Account
Ally Bank
Best Full Bank
4.35%
Annual Percentage Yield (APY)
Ally is one of the most popular online banks — combining a high-yield savings account with a full checking account, no fees, and an award-winning mobile app.
No monthly fees
No minimum balance
Checking account available
24/7 customer support
Buckets feature for savings goals
WiseIQ may earn a referral fee if you open an account.
SoFi High-Yield Savings + Checking
SoFi Bank, N.A.
Best Bundle
4.20%
Annual Percentage Yield (APY) with direct deposit
SoFi bundles savings and checking into one account. With direct deposit, you earn 4.20% APY on savings and get early paycheck access up to 2 days early.
No monthly fees
Checking + savings in one
Get paid 2 days early
Up to $2M FDIC insured
$300 bonus with qualifying direct deposit
WiseIQ may earn a referral fee if you open an account.
Capital One 360 Performance Savings
Capital One
Best Brand Name
4.10%
Annual Percentage Yield (APY)
Capital One's online savings account offers a competitive rate with the trust of a major bank. Open in minutes, no fees, and access to 70,000+ ATMs.
No monthly fees
No minimum balance
70,000+ free ATMs
Mobile check deposit
WiseIQ may earn a referral fee if you open an account.
Discover Online Savings
Discover Bank
No Fees
4.25%
Annual Percentage Yield (APY)
Discover Online Savings offers a competitive APY with zero fees of any kind and a 30-day money-back guarantee (subject to Discover's program terms). Backed by one of the most recognized names in consumer banking.
No monthly fees, no minimum balance
30-day money-back guarantee (subject to Discover's program terms)
FDIC insured up to $250,000
24/7 US-based customer service
Free transfers to any bank
WiseIQ may earn a referral fee if you open an account. APY subject to change.
American Express High-Yield Savings
American Express National Bank
Trusted Brand
4.35%
Annual Percentage Yield (APY)
American Express brings its trusted brand to high-yield savings with a competitive APY, no fees, and no minimum balance. Backed by one of the most recognized names in financial services.
No monthly fees
No minimum balance required
FDIC insured up to $250,000
Easy online account management
Trusted brand with 170+ year history
WiseIQ may earn a referral fee if you open an account. APY subject to change.
Synchrony High-Yield Savings
Synchrony Bank
ATM Card Included
4.75%
Annual Percentage Yield (APY)
Synchrony consistently offers one of the highest APYs available and uniquely provides an ATM card for easy access to your savings — rare among high-yield accounts. Unlimited ATM fee reimbursements.
One of the highest APYs available
ATM card for easy access to savings
Unlimited ATM fee reimbursements
No monthly fees, no minimum balance
FDIC insured up to $250,000
WiseIQ may earn a referral fee if you open an account. APY subject to change.
Compare All Savings Accounts
APY, fees, and minimums at a glance.
| Bank | APY | Monthly Fee | Min. Balance | FDIC Insured | Best For | |
|---|---|---|---|---|---|---|
Marcus Goldman Sachs |
4.50% | $0 | $0 | ✓ $250K | Highest rate | |
Ally Bank |
4.35% | $0 | $0 | ✓ $250K | Full banking | |
SoFi |
4.20% | $0 | $0 | ✓ $2M | Savings + checking | |
Discover |
4.25% | $0 | $0 | ✓ $250K | Trusted brand | |
Capital One 360 |
4.10% | $0 | $0 | ✓ $250K | ATM access | |
American Express |
4.30% | $0 | $0 | ✓ $250K | Amex customers |