2026 Rate Audit · Seven FDIC-Insured Products

Maximize your savings with verified yield data.

Discover the best high yield savings accounts for Sept 2026. We calculate the true blended APY from each bank's official tier schedules to find the most profitable account for your money.

Disclaimer: We may earn a commission if you click on our links or open an account through our partners. This does not affect our data or recommendations.

Top Picks & Insights

Each bank's rules evaluated against your $25k deposit.

Interactive Data Matrix & Charts
$25k
$1k $5k $10k $25k $50k $100k
1 year
1 yr 3 yr 5 yr
EFFECTIVE YIELD RANKINGS AT $25K
OFFICIAL APY RANKINGS
ELIGIBLE WITH CARD ACCESS
PROMO GAP RANKINGS

Listed APY vs filed APY i
Compares the base APY typically marketed vs. the true rate filed in official disclosures.

Net dollars at your balance i
Your expected total return in dollars, factoring in compounding over your selected time horizon.

Effective APY as the balance grows

Verified yield matrix

Sorted by effective APY at $25k over 1 year.

Q
# INSTITUTION OFFICIAL i
The highest APY reported in the bank's official rate sheet.
 LISTED i
The APY often marketed on third-party aggregator sites. We show the "gap" when it's higher than the official base rate.
 EFFECTIVE i
The actual blended APY you earn based on your specific deposit amount and the bank's tier rules.
 NET RETURN ATM WIRE OUT