Best high-yield savings accounts of January 2026

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Best high-yield savings accounts: Editors’ picks

Bank	APY*	Minimum requirements	Learn more
Varo Bank	Up to 5.00%	$0 minimum opening deposit Receive qualifying direct deposits totalling $1,000 or more in your account each month to earn APY	View offer at MoneyLion
Axos Bank	Up to 4.31%	$0 minimum open deposit Axos ONE Bundle plus an average daily balance of at least $1,500 required to earn APY	View offer at Axos Bank
SoFi® Checking and Savings (Member FDIC)	Earn up to 3.30%.1 Get a 0.70% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply. Terms apply.2	$0 minimum opening deposit $0 balance required to earn APY	View offer at SoFi
First Foundation Bank	Up to 3.75%	$1,000 to open $0.01 balance required to earn APY	View offer at MoneyLion
Rising Bank	Up to 3.75%	$1000 to open $1000 balance required to earn APY	View offer at Rising Bank
Valley Direct	Up to 4.00%	$1,000 to open $0.01 balance required to earn APY	View offer at MoneyLion
UFB Direct	Up to 3.26%	$0 to open $0 balance required to earn APY	View offer at UFB Direct
FourLeaf Student Savings	Up to 5%	$5 minimum opening deposit $0 minimum balance requirement	View offer at FourLeaf Federal Credit Union
Quontic Bank	Up to 3.50%	$100 to open balance required to earn APY	View offer at MoneyLion

Varo Bank	View offer at MoneyLion
APY*	Up to 5.00%
Minimum requirements	$0 minimum opening deposit Receive qualifying direct deposits totalling $1,000 or more in your account each month to earn APY
Axos Bank	View offer at Axos Bank
APY*	Up to 4.31%
Minimum requirements	$0 minimum open deposit Axos ONE Bundle plus an average daily balance of at least $1,500 required to earn APY
SoFi® Checking and Savings (Member FDIC)	View offer at SoFi
APY*	Earn up to 3.30%.1 Get a 0.70% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply. Terms apply.2
Minimum requirements	$0 minimum opening deposit $0 balance required to earn APY
First Foundation Bank	View offer at MoneyLion
APY*	Up to 3.75%
Minimum requirements	$1,000 to open $0.01 balance required to earn APY
Rising Bank	View offer at Rising Bank
APY*	Up to 3.75%
Minimum requirements	$1000 to open $1000 balance required to earn APY
Valley Direct	View offer at MoneyLion
APY*	Up to 4.00%
Minimum requirements	$1,000 to open $0.01 balance required to earn APY
UFB Direct	View offer at UFB Direct
APY*	Up to 3.26%
Minimum requirements	$0 to open $0 balance required to earn APY
FourLeaf Student Savings	View offer at FourLeaf Federal Credit Union
APY*	Up to 5%
Minimum requirements	$5 minimum opening deposit $0 minimum balance requirement
Quontic Bank	View offer at MoneyLion
APY*	Up to 3.50%
Minimum requirements	$100 to open balance required to earn APY

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Varo Bank

Founded in 2015, Varo is an online-only bank offering products such as bank accounts and a credit card. As a neobank, it has over 3 million customers with a mission to make financial inclusion available to all.