Compare HYSA rates — October 2026
Highest APY among the 7 accounts with source dates within 90 days of review: 4.25% at Pibank Savings. Their unweighted average is 3.66% before accounting for individual balance tiers and qualifications. 1 older or undated source row is shown below for context and excluded from these figures. This is not a national market average.
Highest APYs with recent source dates
Pibank Savings: 4.25% APY; EverBank Performance Savings: 4.20% APY; BrioDirect High-Yield: 3.75% APY.
Account conditions differ. Read the full row and official disclosure before comparing what your balance could earn.
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8 accounts reviewed 2026-10-11
| Account / official source | APY | Opening minimum | Monthly fee | Conditions |
|---|---|---|---|---|
| Pibank Savings Source date: 2026-09-29 | 4.25% | $0 | $0 | Variable APY; offer shown as valid 2026-09-29; deposits provided by Intercredit Bank, N.A. |
| EverBank Performance Savings Source date: 2026-10-09 | 4.20% | $0 | $0 | APY shown for new accounts only; existing-account rates may differ. Official rate page states APY accurate 2026-10-09. |
| BrioDirect High-Yield Source date: 2026-10-09 | 3.75% | $5,000 | $0 | $5,000 minimum to open and $25 balance required to earn disclosed APY; variable rate; deposits at Santander Bank, N.A.; official FAQ states APY accurate 2026-10-09. |
| Varo Bank Source date: 2026-07-01 Excluded from recent-source summary | 3.75% | $0 | $0 | APY accurate as of 2026-07-01: 3.75% on first $5,000 after at least $1,000 in qualifying monthly direct deposits and positive balances; 1.00% otherwise and above $5,000. Rates may change. |
| Wealthfront Cash Account Source date: 2026-10-01 | 3.55% | $1 | $0 | Base APY without temporary boosts; brokerage cash account, not a bank savings account. FDIC eligibility through program banks, subject to conditions; official page states base APY as of 2026-10-01. |
| Marcus by Goldman Sachs Source date: 2026-10-11 | 3.50% | $0 | $0 | Standard APY; referral and temporary promotional increases excluded. Maximum balance limits apply; official page states APY as of 2026-10-11. |
| SoFi Checking + Savings Source date: 2026-09-23 | 3.30% | $0 | $0 | 3.30% with eligible direct deposit or $5,000 qualifying deposits; SoFi Plus tiers can reach 4.50% on capped balances, while standard unqualified APY is 0.80%. Verify the current rate sheet and subscription conditions. |
| Ally Online Savings Source date: 2026-10-08 | 3.10% | $0 | $0 | Variable APY; limit of 10 certain withdrawals or transfers per statement cycle; no minimum opening deposit; official rate page states APY accurate 2026-10-08. |
Methodology: selected accounts with numerical APYs available from official sources during the 2026-10-11 review, sorted by the provider-stated APY. Standard or stated qualifying rates are shown; promotional boosts and paid membership tiers are excluded. A source date records the date supplied or displayed by the institution. Sources more than 90 days old or without a date remain visible with an exclusion label but do not affect the highest-rate summary or average. This is not a complete market survey, and rates are variable.
How to choose an account
At an unchanged APY and balance, a 0.10 percentage point difference on $10,000 is $10 over one year before tax. Compare that difference with fees, balance restrictions and access to your money.
- Qualifying conditions. Check direct-deposit requirements, rate tiers and whether the advertised rate applies only to new accounts.
- Access and costs. Review transfer limits, processing times, monthly fees and minimum balances in the account agreement.
- Deposit protection. Verify the bank and ownership category, including other deposits you already hold at a cash program's partner banks.
Deposit protection sources: FDIC deposit insurance estimator and FDIC guidance on third-party banking apps.
Frequently asked questions
Which account has the highest APY in this comparison?
Among the 7 accounts with provider source dates within 90 days before the 2026-10-11 review, Pibank Savings has the highest listed APY at 4.25%. Read the balance and eligibility conditions. This selected panel does not cover every US account and does not establish a nationwide best rate.
What is the average for accounts with recent source dates?
The unweighted average of the 7 accounts with provider source dates within 90 days before the 2026-10-11 review is 3.66%. This summarizes our selected accounts; it is not the national HYSA average or an expected return for your balance. Older or undated source rows are excluded.
What is a HYSA?
HYSA means high-yield savings account. Compare its annual percentage yield (APY), fees and access terms with other savings accounts. APY includes compounding; the rate on a variable-rate account can change. A brokerage cash sweep is a different product and is identified in this table.
How does FDIC insurance apply?
Standard coverage is $250,000 per depositor, per insured bank, for each account ownership category. Deposits in the same category at the same bank are combined. A nonbank cash service relies on eligible deposits at its program banks and applicable pass-through conditions; FDIC insurance does not cover failure of the nonbank service itself.
When were these rates checked?
Official product pages were reviewed on 2026-10-11. Source dates are shown by account. Any source more than 90 days old, or without a date, stays visible for context but is excluded from the current comparison summary. APYs can change after review; follow the official account link to confirm the rate and conditions before depositing.
How should I compare offers?
Check the APY for your whole balance, qualifying deposits, opening minimum, ongoing balance requirements, fees, transfer availability and deposit insurance. A higher tier on a small part of your balance may earn less overall than a lower APY on the full balance.
State tax illustrations
These examples summarize selected state income-tax rules for interest; they are not personal tax estimates or a ranking of state tax burdens. The national account table does not survey every account or confirm eligibility in every state. Check your state tax agency and each provider's current terms.
Related Snowballr tools
Educational comparison. Confirm the current APY and eligibility directly with the provider. See our editorial standards and sources.