: Offers 5.00% APY on balances up to $5,000 (standard rate is 2.50%) for users who meet specific direct deposit and account balance requirements. Fitness Bank : Provides 4.50% APY . Pibank : Offers 4.40% APY .
: Offers 4.03% APY with a $100 minimum opening deposit. Current Rate Environment How does interest work on a savings account? online saving accounts interest rates
As of April 28, 2026, the best online high-yield savings accounts (HYSAs) are offering annual percentage yields (APYs) of , significantly outpacing the national average of 0.38% . Online-only banks generally provide these superior rates because they lack the overhead of physical branches and must compete more aggressively for deposits to fund their lending. Top Savings Rates for April 2026 : Offers 5
While many leading online banks offer around , a few institutions currently provide higher specialized rates: : Offers 4
: Offers 4.10% APY for balances of at least $5,000.