Best HYSA Rates 2026: APY, Fees & Account Conditions

Start with the dated rate comparison

Open the HYSA rate table for the currently stored snapshot, source dates and account conditions. This guide does not maintain a separate bank ranking. The table is a selected comparison, not a complete survey of every available account.

Calculate the difference on your balance

At unchanged rates for a year, $10,000 at 4% APY earns $400 before tax, while 3.5% earns $350. The difference is $50. These are hypothetical rates, not current offers. A $5 monthly account fee would cost $60 over the same period.

Check which balance earns the advertised APY

• Some accounts require qualifying direct deposits or a minimum opening balance.
• A higher APY may apply only to an initial balance tier, new accounts or a limited promotional period.
• Compare the standard rate after any promotion ends.
• Review the account agreement for fees, transfer timing and withdrawal conditions.

Bank accounts and cash sweep programs differ

Verify the institution holding your deposits. Standard FDIC coverage is $250,000 per depositor, per insured bank, per ownership category. Cash sweep services rely on deposits at program banks and applicable pass-through conditions. Account for deposits you already hold at those banks.

Choose a workable savings routine

Estimate your goal with the savings goal calculator. Use a rate you can justify, test a lower-rate scenario and review the actual account terms before moving money. A projection assumes a fixed rate; a variable savings APY can change.