ArcaTop APY 4.21%

Best High-Yield Savings Accounts of September 2026 — Up to 4.21% APY

Updated By Alex Quintana, founder of ArcaMS Finance, Vanderbilt OwenRates verified

The highest advertised rate this week is Axos Bank at 4.21% APY, but it requires a linked checking account and direct deposit. The best unconditional rate is EverBank at 3.90% APY, no strings attached.

High-yield savings account rates, September 2026 (sorted by maximum APY)

Updated
Requirements to earn the maximum APYApply
Axos ONE® SavingsAxos Bank · Member FDIC
Up to 4.21 percent APY. 1.00 percent base, plus 3.21 percent with conditions.
Highest max APY
  • Linked checking required
  • Direct deposit required
  • +1 more condition
Go to Axos Bank (opens axosbank.com in a new tab)
See detailsHide details for Axos ONE® Savings

Axos ONE® Savings pays up to 4.21% APY as of September 24, 2026, and requires a linked checking account and direct deposit.

  • Direct depositRequired — At least $1,500 in total monthly qualifying direct deposits AND average daily balance of at least $1,500 in Axos ONE® Checking.
  • Linked checking accountRequired — Must hold an Axos ONE® Checking account; both accounts must be open and active on the 25th of the month and on the date interest is paid.
  • OtherAt least $5,000 in total monthly qualifying deposits AND average daily balance of at least $5,000 in Axos ONE® Checking (ACH, wire, mobile check, real-time payments; excludes internal transfers, interest, bonuses, ATM deposits).
  • Rate typeVariable. The APY can change at any time.
  • Rate verifiedVerified by Arca on September 24, 2026.
  • FDIC coverageFDIC coverage limits are shared across accounts at the same bank.
See all details at Axos Bank
SoFi High-Yield Savings AccountSoFi · Member FDIC$0 minimum to open
Up to 4.20 percent APY. 3.30 percent base, plus 0.90 percent with conditions.
  • Direct deposit required
  • Linked checking required
  • +1 more condition
Go to SoFi (opens sofi.com in a new tab)
See detailsHide details for SoFi High-Yield Savings Account

SoFi High-Yield Savings Account pays up to 4.20% APY as of September 24, 2026, and requires direct deposit and a linked checking account.

Earn 4.20% APY now, dropping to 3.30% APY when the intro period ends on December 31, 2026.

  • Minimum deposit to open$0.
  • Direct depositRequired — Recurring direct deposit (payroll, pension, gov't benefit) OR $5,000 in qualifying deposits every 31 days. Required to earn 3.30% base APY; also unlocks 0.90% promo boost.
  • Linked checking accountRequired — A SoFi Checking Account is automatically opened alongside the Savings Account; standalone savings not offered.
  • OtherNew members only. Open first SoFi Checking & Savings account 9/3/2026–12/31/2026 and set up eligible direct deposit or $5,000 qualifying deposits within 60 days. Boost lasts up to 6 months. Promo period ends 12/31/2026.
  • Rate verifiedVerified by Arca on September 24, 2026.
See all details at SoFi
EverBank Performance SavingsEverBank · Member FDIC
3.90 percent APY. Variable rate, no conditions.
Highest rate with no conditions
  • None — full rate by default
Go to EverBank (opens everbank.com in a new tab)
See detailsHide details for EverBank Performance Savings

EverBank Performance Savings pays 3.90% APY as of September 24, 2026 with no minimum balance, no direct deposit required, and no linked checking account required.

  • Minimum balance to earn 3.90% APYNone. EverBank Performance Savings has no minimum balance required to earn 3.90% APY.
  • Direct depositNo direct deposit required. EverBank Performance Savings pays its full 3.90% APY without a direct deposit.
  • Linked checking accountNo linked checking account required. EverBank Performance Savings pays its full 3.90% APY as a standalone savings account.
  • Rate typeVariable. The APY can change at any time.
  • Rate verifiedVerified by Arca on September 24, 2026.
See all details at EverBank
Axos Summit SavingsAxos Bank · Member FDIC
3.75 percent APY. Variable rate, no conditions.
  • None — full rate by default
Go to Axos Bank (opens axosbank.com in a new tab)
See detailsHide details for Axos Summit Savings

Axos Summit Savings pays 3.75% APY as of September 24, 2026 with no minimum balance, no direct deposit required, and no linked checking account required.

  • Minimum balance to earn 3.75% APYNone. Axos Summit Savings has no minimum balance required to earn 3.75% APY.
  • Direct depositNo direct deposit required. Axos Summit Savings pays its full 3.75% APY without a direct deposit.
  • Linked checking accountNo linked checking account required. Axos Summit Savings pays its full 3.75% APY as a standalone savings account.
  • Rate typeVariable. The APY can change at any time.
  • Rate verifiedVerified by Arca on September 24, 2026.
  • FDIC coverageFDIC coverage limits are shared across accounts at the same bank.
See all details at Axos Bank
CIT Platinum SavingsCIT Bank · Member FDIC$100 minimum to open
Up to 3.75 percent APY. 0.25 percent base, plus 3.50 percent with conditions.
  • Min balance required
Go to CIT Bank (opens cit.com in a new tab)
See detailsHide details for CIT Platinum Savings

CIT Platinum Savings pays up to 3.75% APY as of September 24, 2026, and requires a minimum balance.

  • Minimum balance to earn 3.75% APYRequired — $5,000 or more to earn 3.75% APY; balances below $5,000 earn 0.25% APY.
  • Minimum deposit to open$100.
  • Direct depositNo direct deposit required. CIT Platinum Savings pays its full 3.75% APY without a direct deposit.
  • Linked checking accountNo linked checking account required. CIT Platinum Savings pays its full 3.75% APY as a standalone savings account.
  • Rate typeVariable. The APY can change at any time.
  • Rate verifiedVerified by Arca on September 24, 2026.
See all details at CIT Bank
Marcus Online Savings AccountMarcus (Goldman Sachs) · Member FDIC$0 minimum to open
3.50 percent APY. Variable rate, no conditions.
  • None — full rate by default
Go to Marcus (Goldman Sachs) (opens marcus.com in a new tab)
See detailsHide details for Marcus Online Savings Account

Marcus Online Savings Account pays 3.50% APY as of September 24, 2026 with no minimum balance, no direct deposit required, and no linked checking account required.

  • Minimum balance to earn 3.50% APYNone. Marcus Online Savings Account has no minimum balance required to earn 3.50% APY.
  • Minimum deposit to open$0.
  • Direct depositNo direct deposit required. Marcus Online Savings Account pays its full 3.50% APY without a direct deposit.
  • Linked checking accountNo linked checking account required. Marcus Online Savings Account pays its full 3.50% APY as a standalone savings account.
  • Rate typeVariable. The APY can change at any time.
  • Rate verifiedVerified by Arca on September 24, 2026.
See all details at Marcus (Goldman Sachs)
American Express High Yield Savings AccountAmerican Express · Member FDIC
3.10 percent APY. Variable rate, no conditions.
  • None — full rate by default
Go to American Express (opens americanexpress.com in a new tab)
See detailsHide details for American Express High Yield Savings Account

American Express High Yield Savings Account pays 3.10% APY as of September 24, 2026 with no minimum balance, no direct deposit required, and no linked checking account required.

  • Minimum balance to earn 3.10% APYNone. American Express High Yield Savings Account has no minimum balance required to earn 3.10% APY.
  • Direct depositNo direct deposit required. American Express High Yield Savings Account pays its full 3.10% APY without a direct deposit.
  • Linked checking accountNo linked checking account required. American Express High Yield Savings Account pays its full 3.10% APY as a standalone savings account.
  • Rate typeVariable. The APY can change at any time.
  • Rate verifiedVerified by Arca on September 24, 2026.
See all details at American Express
Ally Bank Online Savings AccountAlly Bank · Member FDIC$0 minimum to open
3.00 percent APY. Variable rate, no conditions.
  • None — full rate by default
Go to Ally Bank (opens ally.com in a new tab)
See detailsHide details for Ally Bank Online Savings Account

Ally Bank Online Savings Account pays 3.00% APY as of September 24, 2026 with no minimum balance, no direct deposit required, and no linked checking account required.

  • Minimum balance to earn 3.00% APYNone. Ally Bank Online Savings Account has no minimum balance required to earn 3.00% APY.
  • Minimum deposit to open$0.
  • Direct depositNo direct deposit required. Ally Bank Online Savings Account pays its full 3.00% APY without a direct deposit.
  • Linked checking accountNo linked checking account required. Ally Bank Online Savings Account pays its full 3.00% APY as a standalone savings account.
  • Rate typeVariable. The APY can change at any time.
  • Rate verifiedVerified by Arca on September 24, 2026.
See all details at Ally Bank

Ties break toward the account with the higher guaranteed rate. Deposit insurance is provided by each bank listed, not by Arca Savings, which is not a bank and does not accept deposits.

Arca has no paid placements and no affiliate relationships as of September 2026. Labels are assigned by fixed rules; see our methodology.

High-yield savings accounts with no minimum balance and no direct deposit requirement

As of September 24, 2026, the following savings accounts Arca tracks pay their full advertised APY with no minimum balance, no direct deposit required, and no linked checking account required:

See the gap charted — the accounts it charts, each plotted at the rate it pays once its conditions are met against the rate it pays without them.

Frequently Asked Questions About High-Yield Savings Rates

What is the best high-yield savings account APY right now?

The top high-yield savings account APY in the Arca rate table is 4.21% APY at Axos Bank as of September 24, 2026, followed by 4.20% APY at SoFi and 3.90% APY at EverBank. Source: Arca Savings, updated September 24, 2026.

What is a good savings account interest rate in 2026?

A good savings account rate is one near the top of the Arca rate table — 3.00–4.21% APY as of September 24, 2026: Axos Bank pays 4.21% APY, SoFi 4.20% APY, EverBank 3.90% APY, and Axos Summit Savings 3.75% APY. Chase Bank pays 0.01% APY and Wells Fargo 0.01% APY on standard savings — a fraction of those rates. Source: Arca Savings, updated September 24, 2026.

How often do high-yield savings account rates change?

High-yield savings account rates are variable and can change at any time, typically in response to Federal Reserve rate decisions. Arca updates this page weekly to reflect any changes from Axos Bank, SoFi, EverBank, Axos Summit Savings, CIT Bank, Marcus (Goldman Sachs), American Express, and Ally Bank. Source: Arca Savings, updated September 24, 2026.

Which high-yield savings account has no minimum balance?

EverBank Performance Savings pays the highest rate with no minimum balance — 3.90% APY on any balance as of September 24, 2026, with no direct deposit and no linked checking account required. Axos Summit Savings pays 3.75% APY, Marcus Online Savings Account 3.50% APY, American Express High Yield Savings Account 3.10% APY, and Ally Bank Online Savings Account 3.00% APY, all on the same terms. Source: Arca Savings, updated September 24, 2026.

Are the rates on this page current?

Yes — the rates on this page are current as of September 24, 2026 and updated weekly. Arca sources each APY directly from the bank’s published rate page: Axos Bank, SoFi, EverBank, Axos Summit Savings, CIT Bank, Marcus (Goldman Sachs), American Express, and Ally Bank. Source: Arca Savings, updated September 24, 2026.

Fee information covers monthly maintenance fees. Banks may charge for other services such as wire transfers; see each bank’s fee schedule. Arca Savings is not a bank, does not accept deposits, and is not FDIC-insured. Arca may earn a commission from banks when you open an account through our links.

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