Leader Bank Zeugma Plus High Yield Savings
Promotional rate · Requires a linked checking account, direct deposit of $1,000+/mo, a minimum opening deposit, and other conditions
Tied with Axos ONE® Savings
Promotional rate · Requires a linked checking account, direct deposit or qualifying deposits, and other conditions
New accounts only · No direct deposit, linked checking account or minimum balance
| Account | Max APY ↓ | Yearly interest on $10,000 | Bank site |
|---|---|---|---|
Zeugma Plus High Yield Savings Leader Bank · Member FDIC Requirements: Linked checking · Direct deposit · +4 more | 5.00% APY 2.50% without requirements | $500 a year on a $10,000 balance | Visit site |
See details for Zeugma Plus High Yield SavingsZeugma Plus High Yield Savings pays up to 5.00% APY as of November 9, 2026, and requires a linked checking account, direct deposit of $1,000+/mo, and a minimum opening deposit. Earn 5.00% APY as a promotional rate through December 31, 2026; after that the rate may change.
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Axos ONE® Savings Axos Bank · Member FDIC Requirements: Linked checking · Direct deposit · +2 more | 5.00% APY 1.00% after the intro period | $500 a year on a $10,000 balance | Visit site |
See details for Axos ONE® SavingsAxos ONE® Savings pays up to 5.00% APY as of November 9, 2026, and requires a linked checking account and direct deposit or qualifying deposits. Earn 5.00% APY now, dropping to 1.00% APY once the intro period ends.
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SoFi High-Yield Savings Account SoFi · Member FDIC Requirements: Linked checking · Direct deposit New accounts only | 4.40% APY 3.30% after Dec 31, 2027 | $440 a year on a $10,000 balance | Visit site |
See details for SoFi High-Yield Savings AccountSoFi High-Yield Savings Account pays up to 4.40% APY as of November 9, 2026, for new accounts, and requires a linked checking account and direct deposit or qualifying deposits. Earn 4.40% APY now, dropping to 3.30% APY when the intro period ends on December 31, 2027.
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EverBank Performance Savings EverBank · Member FDIC Full rate, no requirements New accounts only | 4.20% APY | $420 a year on a $10,000 balance | Visit site |
See details for EverBank Performance SavingsEverBank Performance Savings pays 4.20% APY as of November 9, 2026, for new accounts, with no minimum balance, no direct deposit required, and no linked checking account required.
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Axos Summit Savings Axos Bank · Member FDIC Requirements apply — see details New accounts only | 4.01% APY 3.75% after the intro period | $401 a year on a $10,000 balance | Visit site |
See details for Axos Summit SavingsAxos Summit Savings pays up to 4.01% APY as of November 9, 2026, for new accounts. The qualifying conditions are listed below. Earn 4.01% APY now, dropping to 3.75% APY once the intro period ends.
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CIT Platinum Savings CIT Bank · Member FDIC Requirements: Min balance | 3.75% APY 0.25% below the minimum balance | $375 a year on a $10,000 balance | Visit site |
See details for CIT Platinum SavingsCIT Platinum Savings pays up to 3.75% APY as of November 9, 2026, and requires a minimum balance.
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Marcus Online Savings Account Marcus (Goldman Sachs) · Member FDIC Full rate, no requirements | 3.50% APY | $350 a year on a $10,000 balance | Visit site |
See details for Marcus Online Savings AccountMarcus Online Savings Account pays 3.50% APY as of November 9, 2026 with no minimum balance, no direct deposit required, and no linked checking account required.
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Ally Bank Online Savings Account Ally Bank · Member FDIC Full rate, no requirements | 3.20% APY | $320 a year on a $10,000 balance | Visit site |
See details for Ally Bank Online Savings AccountAlly Bank Online Savings Account pays 3.20% APY as of November 9, 2026 with no minimum balance, no direct deposit required, and no linked checking account required.
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American Express High Yield Savings Account American Express · Member FDIC Full rate, no requirements | 3.20% APY | $320 a year on a $10,000 balance | Visit site |
See details for American Express High Yield Savings AccountAmerican Express High Yield Savings Account pays 3.20% APY as of November 9, 2026 with no minimum balance, no direct deposit required, and no linked checking account required.
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When two accounts share a max APY, the one with the higher fallback rate — what it pays after an intro period, below a minimum balance or without its requirements — ranks first. 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 November 2026. Accounts are ordered by max APY; see our methodology.
As of November 9, 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.
As of November 9, 2026, the highest savings rate Arca tracks is 5.00% APY at Leader Bank Zeugma Plus High Yield Savings (requires a linked checking account, direct deposit of $1,000+/mo, a minimum opening deposit, and other conditions), tied with Axos ONE® Savings (requires a linked checking account, direct deposit or qualifying deposits, and other conditions); both are promotional rates. The highest savings rate with no requirements (no direct deposit, linked checking account or minimum balance) is 4.20% APY at EverBank Performance Savings, for new accounts only. Source: Arca Savings, updated November 9, 2026.
A good savings rate beats inflation, so your money keeps its buying power. According to the U.S. Bureau of Labor Statistics, inflation was 3.7% for the 12 months through September 2026. That means prices were 3.7% higher than a year earlier. As of November 9, 2026, Leader Bank (5.00% APY, a promotional rate), Axos Bank (5.00% APY, a promotional rate), SoFi (4.40% APY, a promotional rate for new accounts only), EverBank (4.20% APY, for new accounts only), Axos Summit Savings (4.01% APY, a promotional rate for new accounts only), and CIT Bank (3.75% APY) all pay more than that. Some of these rates have requirements, such as a linked checking account. As of November 9, 2026, the highest savings rate Arca tracks is 5.00% APY at Leader Bank Zeugma Plus High Yield Savings (requires a linked checking account, direct deposit of $1,000+/mo, a minimum opening deposit, and other conditions), tied with Axos ONE® Savings (requires a linked checking account, direct deposit or qualifying deposits, and other conditions); both are promotional rates. The highest savings rate with no requirements (no direct deposit, linked checking account or minimum balance) is 4.20% APY at EverBank Performance Savings, for new accounts only. For comparison, Chase and Wells Fargo pay 0.01% APY on standard savings. See how savings rates compare with inflation. Source: Arca Savings, updated November 9, 2026. Inflation: U.S. Bureau of Labor Statistics.
High-yield savings rates have no set schedule. They're variable, so a bank can change its rate in any week. Between September 10 and November 9, 2026, Arca Savings recorded 10 rate changes. Ally Bank, American Express and Axos Bank each changed their rates twice. Federal Reserve decisions set the general direction for savings rates, but banks don't move in lockstep with them. Each bank decides when to change its rate and by how much, mostly based on how much it wants new deposits and what other banks pay. When the Federal Reserve raised rates on September 16, 2026, Marcus by Goldman Sachs, SoFi and American Express raised theirs about one week after. Chase, Bank of America and Wells Fargo kept their standard savings rates the same. So the rate you opened your account with may not be the rate you earn today. Arca Savings checks each bank's published rate every week. See which banks changed their rates. Source: Arca Savings, updated November 9, 2026.
EverBank Performance Savings pays the highest rate with no minimum balance — 4.20% APY on any balance as of November 9, 2026, for new accounts only, with no direct deposit and no linked checking account required. Marcus Online Savings Account pays 3.50% APY, Ally Bank Online Savings Account 3.20% APY, and American Express High Yield Savings Account 3.20% APY, all with no direct deposit or linked checking account required. Source: Arca Savings, updated November 9, 2026.
Yes — the rates on this page are current as of November 9, 2026 and updated weekly. Arca sources each APY directly from the bank’s published rate page: Leader Bank, Axos Bank, SoFi, EverBank, Axos Summit Savings, CIT Bank, Marcus (Goldman Sachs), Ally Bank, and American Express. Source: Arca Savings, updated November 9, 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.