2026 HYSA Rates
Current top rates: 4.0-4.5% APY
| Bank | APY | Min Balance |
|---|---|---|
| Marcus | 4.25% | $0 |
| Ally | 4.20% | $0 |
| Discover | 4.25% | $0 |
| Wealthfront | 4.50% | $0 |
| SoFi | 4.30% | $0 |
HYSA Tips
- No reason to use traditional bank (0.01% rates)
- FDIC insured up to $250k
- Link to checking for easy transfers
- Consider separate accounts for different goals
- Rates may decrease as Fed cuts rates