Best - Online Saving Rates

On balances up to $5,000; requires $1,000+ monthly direct deposits. 5.00%

Below are current high-yield savings account (HYSA) options categorized by their primary appeal: Institution Notable Requirements/Features 5.00% best online saving rates

For new members on balances up to $5,000; requires credit union membership. 4.40% App-only platform; no minimum balance requirement. Axos Bank 4.21% Requires $1,500 monthly direct deposits. CIT Bank 4.10% Requires $5,000 minimum balance for top rate. Vio Bank 4.03% $100 minimum deposit to open. Popular Online Alternatives On balances up to $5,000; requires $1,000+ monthly