Search Metrics
Volume:+398.79%823,000
Competition:MEDIUM
CPC:$14.55
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AI Overview
As of late January 2026, the highest-yielding savings accounts offer rates around 5.00% APY, with top contenders including Varo Bank, AdelFi, and Apple Federal Credit Union. These digital-first, FDIC-insured accounts generally feature no monthly maintenance fees and high-interest rates far above the national average, often requiring minimal opening deposits.
Top High-Yield Savings Accounts (January 2026)
Varo Bank : 5.00% APY AdelFi : 5.00% APY Apple Federal Credit Union : 5.00% APY Fitness Bank : 4.75% APY Pibank : 4.60% APY CineFi : 4.50% APY OnPath Credit Union : 4.40% APY Axos Bank : 4.31% APY Openbank : 4.20% APY
Key Considerations
Rates are Variable: The advertised APY (Annual Percentage Yield) can change based on the Federal Reserve's rate decisions. Fees and Minimums: While top accounts often have no fees, some may require a minimum balance to earn the highest rate (e.g., Openbank requires $500, Vio Bank requires $100). Access: These are mostly online-only banks, meaning no physical branches, but they offer robust mobile apps and ATM access. Safety: Ensure the institution is FDIC-insured (for banks) or NCUA-insured (for credit unions) to protect deposits up to $250,000.
Disclaimer: Rates and availability are subject to change,, and the information provided is based on data as of January 27-28, 2026.
Bankratehttps://www.bankrate.com โบ Banking โบ Savings
Best High-Yield Savings Accounts Of January 2026
Best high-yield savings accounts of January 2026 (Up to 4.20%) ยท Openbank โ 4.20% APY, $500 minimum deposit ยท Vio Bank โ 4.02% APY, $100 minimum deposit ยท...
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s***********@bankrate.comNerdWallethttps://www.nerdwallet.com โบ banking โบ Best
Best High-Yield Savings Accounts for February 2026
LendingClub's online savings account earns a 4.00% APY for those who deposit at least $250 in their account during the previous statement cycle, known as the...
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