{"id":2895,"date":"2026-07-06T15:15:48","date_gmt":"2026-07-06T15:15:48","guid":{"rendered":"https:\/\/crosscountrymovingteams.com\/?p=2895"},"modified":"2026-07-06T15:15:48","modified_gmt":"2026-07-06T15:15:48","slug":"best-high-yield-savings-accounts-for-july-2026-over-4-apy-without-a-fee","status":"publish","type":"post","link":"https:\/\/crosscountrymovingteams.com\/?p=2895","title":{"rendered":"Best high-yield savings accounts for\u00a0July 2026: Over 4% APY\u00a0without a\u00a0fee"},"content":{"rendered":"<div>\n<p>A high-yield savings account (HYSA) is a foundational account that turns your dusty, stagnant money into a profitable workhorse. The average savings account earns a yawn-worthy\u00a00.39%,\u00a0per the FDIC, but the best high-yield savings accounts offer APYs (annual percentage yields) of up to 4.21%\u00a0as of this writing.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=2883\">The tech attention crisis has hit the workplace. One company thinks AI is the cure<\/a><\/p>\n<p>If you want to earn interest\u00a0on\u00a0your money while\u00a0still keeping\u00a0it liquid enough to access in an emergency, putting those funds in a HYSA just makes sense.\u00a0We\u2019ve\u00a0selected 10 savings accounts we think stand out in terms of a high APY and other\u00a0important features\u00a0such as rate caps and online banking. Read\u00a0on for\u00a0our top picks as well as comparisons to other types of accounts you might be considering.<\/p>\n<p><em>Rates and bank details\u00a0accurate\u00a0as of\u00a0March 16,\u00a02026\u00a0and are subject to change.<\/em><\/p>\n<!-- --> <!-- -->\n<p>My\u00a0Banking Direct\u00a0is an arm of Midwest regional bank Flagstar Bank, N.A.\u00a0It\u2019s\u00a0an\u00a0online bank\u00a0that offers, most notably, an extremely lucrative savings account.<\/p>\n<div><div><div><div><div><h2>My Banking Direct<\/h2><div><div><div><p>APY<\/p><div><span>4.02%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>$0<\/span><\/div><\/div><div><p>Minimum deposit<\/p><div><span>$500 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at Bankrate<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The My Banking Direct logo\" class=\"wp-image-2885\" height=\"134\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/aa19b4daa01ad457e857fb14a570d3f7.webp\" width=\"368\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/aa19b4daa01ad457e857fb14a570d3f7.webp 368w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/aa19b4daa01ad457e857fb14a570d3f7-300x109.webp 300w\" sizes=\"auto, (max-width: 368px) 100vw, 368px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1859<\/li>\n<li>: Hicksville, NY<\/li>\n<li>: Mark D. Leavy (CEO of FlagStar Bank)<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>MyBankingDirect\u00a0performs the best in the categories that matter most to a savings account. Its return rate is high at 4.02%. Earning\u00a0this generous rate\u00a0is simple, as it requires no minimum balances or monthly activity to qualify.\u00a0This is\u00a0a\u00a0no-frills account with no monthly fees that does one thing good: APY.<\/p>\n<p>The one slight mark against the account is that it requires a $500 minimum opening deposit. Most financial institutions on our best-of list\u00a0don\u2019t\u00a0have this requirement. Also note that\u00a0MyBankingDirect\u00a0is fully digital, so you\u00a0can\u2019t\u00a0service your account in-branch<\/p>\n<p>Colorado Federal Savings Bank is headquartered in Greenwood Village, Colorado.\u00a0It\u2019s\u00a0an online bank with few offerings in the way of\u00a0deposit\u00a0accounts\u2014but it offers one of the most compelling high-yield savings accounts on the market.<\/p>\n<div><div><div><div><div><h2>Colorado Federal Savings Bank<\/h2><div><div><div><p>APY<\/p><div><span>3.80%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>$1<\/span><\/div><\/div><div><p>Minimum opening deposit<\/p><div><span>$0<\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at Colorado Federal Savings Bank<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"Colorado Federal Savings Bank logo\" class=\"wp-image-2886\" height=\"683\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0ec70dde91ec5fb8bfdb1d67b48218c3-1024x683.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0ec70dde91ec5fb8bfdb1d67b48218c3-1024x683.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0ec70dde91ec5fb8bfdb1d67b48218c3-300x200.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0ec70dde91ec5fb8bfdb1d67b48218c3-768x512.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/0ec70dde91ec5fb8bfdb1d67b48218c3.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1990<\/li>\n<li>: Greenwood Village, Colorado<\/li>\n<li>: Matthew DeMarco<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>A 3.80% APY is nothing to sneeze at. And with just a $1 minimum\u00a0required\u00a0to earn interest\u2014with no monthly fees and no minimum opening deposit\u2014this is a foolproof destination for your money. The bank also\u00a0doesn\u2019t\u00a0enforce a cap on its impressive return rate, so\u00a0it\u2019s\u00a0great for those with high balances.\u00a0<\/p>\n<p>Here\u2019s\u00a0the catch: Colorado Federal\u00a0doesn\u2019t\u00a0offer a checking account or money market account. That means accessing your money will be slightly more cumbersome than having your\u00a0checking\u00a0and savings under the same roof. This is certainly a problem that can be overlooked for such high APY, but\u00a0it\u2019s\u00a0worth noting.<\/p>\n<p>Founded in 2015, Varo Bank\u00a0is online-only and offers products such as bank accounts and\u00a0a credit card. As a neobank, it has over\u00a03 million customers\u00a0with a mission to make financial inclusion available to all.<\/p>\n<div><div><div><div><div><h2>Varo Bank<\/h2><div><div><div><p>APY<\/p><div><span>Up to 3.75%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>Receive qualifying direct deposits totalling $1,000  or more in your account each month*<\/span><\/div><\/div><div><p>Minimum opening deposit<\/p><div><span>$0<\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyLion<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"The Varo Bank logo.\" class=\"wp-image-2887\" height=\"536\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/14bb68628baa0001c43cb7dfe3f3e480-1024x536.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/14bb68628baa0001c43cb7dfe3f3e480-1024x536.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/14bb68628baa0001c43cb7dfe3f3e480-300x157.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/14bb68628baa0001c43cb7dfe3f3e480-768x402.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/14bb68628baa0001c43cb7dfe3f3e480.webp 1440w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><button>Minimum balance required to earn APY requirements<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 2015<\/li>\n<li>: San Francisco, CA<\/li>\n<li>: Gavin Michael<\/li>\n<\/ul>\n<\/span><\/div><div><span>\n<p><em>Receive qualifying direct deposits totaling $1,000 or more in your account each month to earn APY and have a positive balance in both your Varo bank and savings accounts at the end of the month.<\/em><\/p>\n<\/span><\/div><\/div><\/div><\/div>\n<p>At the time of writing, the account offers up to 3.75%.\u00a0It\u2019s\u00a0got no monthly fees, meaning every dime you earn is\u00a0essentially\u00a0pure\u00a0profit\u2014and\u00a0there\u2019s\u00a0a\u00a0very accessible\u00a0minimum deposit\u00a0required\u00a0to open an account.\u00a0As long as you\u2019ve got at least $0.01 in your account, you\u2019ll earn interest.<\/p>\n<p>That said, Varo has two sizable footnotes:<\/p>\n<ol>\n<li>You must receive qualifying direct deposits\u00a0totaling\u00a0$1,000 or more in your account each month.<\/li>\n<li>The 3.75% rate applies to a maximum balance of $5,000. Any money beyond that number will earn a less impressive 1.00%.<\/li>\n<\/ol>\n<p>This makes this savings\u00a0account best for those\u00a0planning to keep\u00a0a\u00a0comparatively\u00a0low\u00a0balance in it.<\/p>\n<p>A\u00a0relatively new\u00a0kid on the block, Vio Bank was\u00a0established\u00a0in 2018 as the online banking division of MidFirst Bank\u2014the largest privately owned bank in the U.S. It specializes in savings, CDs, and money market accounts.<\/p>\n<div><div><div><div><div><h2>Vio Bank<\/h2><div><div><div><p>APY<\/p><div><span>4.03%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>$0 <\/span><\/div><\/div><div><p>Minimum opening deposit<\/p><div><span>$100 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyLion<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The Vio Bank logo.\" class=\"wp-image-2888\" height=\"112\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/a0fadde38069039bc61a2198d115dd1f.webp\" width=\"300\"\/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 2018<\/li>\n<li>: Oklahoma City, OK<\/li>\n<li>: Todd Dobson (MidFirst Bank CEO)<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>Vio Bank\u2019s impressive 4.03% APY applies to all balances with absolutely no extracurricular monthly activities necessary to earn it. There are no monthly fees, either. Vio does stipulate that you must deposit at least $100 to open an account, but that\u00a0shouldn\u2019t\u00a0be an issue for most\u00a0who are in the market for a high-yield savings account.\u00a0<\/p>\n<p>Vio Bank\u00a0isn\u2019t\u00a0perfect for everyone, however. It\u00a0doesn\u2019t\u00a0offer a checking account, so deploying your money\u00a0isn\u2019t\u00a0as easy as with banks that allow you to instantly transfer funds between checking and savings. It does issue a money market account, but it\u00a0doesn\u2019t\u00a0offer a debit card or check-writing privileges. In other words,\u00a0you\u2019ll\u00a0need to transfer your money to an external bank before you can spend it.\u00a0<\/p>\n<p>Vio Bank is also fully digital, meaning there are no physical branches you can visit.\u00a0<\/p>\n<p>One of the rare financial institutions on this list with brick-and-mortar locations, EverBank manages to offer highly competitive APY without being one of those online-only banks with little-to-no overhead.\u00a0It is headquartered in Jacksonville, Florida, with its physical presence existing mostly in Florida, California, and New York.<\/p>\n<div><div><div><div><div><h2>EverBank<\/h2><div><div><div><p>APY<\/p><div><span>3.90%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>$0 <\/span><\/div><\/div><div><p>Minimum opening deposit<\/p><div><span>$0 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyLion<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" alt=\"The EverBank logo.\" class=\"wp-image-2889\" height=\"154\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/6bcfc2bd8be04addd502c019b22e2ab0-1024x154.webp\" width=\"1024\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/6bcfc2bd8be04addd502c019b22e2ab0-1024x154.webp 1024w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/6bcfc2bd8be04addd502c019b22e2ab0-300x45.webp 300w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/6bcfc2bd8be04addd502c019b22e2ab0-768x116.webp 768w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/6bcfc2bd8be04addd502c019b22e2ab0.webp 1434w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1998<\/li>\n<li>: Jacksonville, FL<\/li>\n<li>: Greg Seibly<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>We think you\u00a0won\u2019t\u00a0find a lower-maintenance high-yield savings account\u00a0that\u2019s\u00a0more accessible than\u00a0what\u00a0EverBank has on offer. No minimum opening deposit, no monthly fees, no required monthly behavior to achieve its 3.90% APY.\u00a0\u00a0<\/p>\n<p>Plus, its mobile app receives an impressive 4.7 stars on Google Play and the Apple App Store\u00a0as of this writing\u2014one of the highest ratings on our list. A solid online banking experience is\u00a0an important factor\u00a0to consider when deciding which HYSA to open.<\/p>\n<p>Axos\u00a0Bank is an online-only bank founded in 2000 that offers a range of personal and business banking products, including checking accounts, savings accounts, CDs, and loans.<\/p>\n<div><div><div><div><div><h2>Axos Bank<\/h2><div><div><div><p>APY<\/p><div><span>Up to 4.21%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>Axos ONE Bundle plus an average daily balance of at least $1,500  required to earn APY<\/span><\/div><\/div><div><p>Minimum opening deposit<\/p><div><span>$0 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at Axos Bank<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The Axos Bank logo.\" class=\"wp-image-2890\" height=\"200\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/29048b51fc7a346b6c27d1885cf39054.webp\" width=\"450\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/29048b51fc7a346b6c27d1885cf39054.webp 450w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/29048b51fc7a346b6c27d1885cf39054-300x133.webp 300w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1999<\/li>\n<li>: San Diego, CA<\/li>\n<li>: Greg Garrabrants<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>Axos\u00a0Bank\u2019s ONE savings account stands out for its high APY of up to 4.21%\u2014currently the second highest return rate on this list.\u00a0You\u2019ll\u00a0earn the full 4.21% APY on balances under $500,000. Any money above that will earn a slightly lower 4.01%.<\/p>\n<p>This account has no monthly maintenance fees, but it is part of\u00a0Axos\u00a0Bank\u2019s ONE program, which bundles checking and savings accounts together.<\/p>\n<p>This bundled deal\u00a0comes with\u00a0an impressive\u00a0checking\u00a0account\u00a0APY\u00a0of\u00a00.51%.<\/p>\n<p>For the privilege of this high\u00a0savings account\u00a0return rate,\u00a0you\u2019ll\u00a0need to achieve one of two things each month:<\/p>\n<ul>\n<li>Receive $1,500+ in total qualifying monthly deposits and\u00a0maintain\u00a0a minimum daily balance of $1,500+, OR<\/li>\n<li>Receive $5,000+ in total qualifying monthly deposits<\/li>\n<\/ul>\n<p>If you\u00a0fail to\u00a0do this,\u00a0you\u2019ll\u00a0earn\u00a0a\u00a0standard rate of 1.00% APY.<\/p>\n<p>It\u2019s\u00a0also worth noting that\u00a0Axos\u00a0Bank offers expanded FDIC coverage of $2.5 million.\u00a0That\u2019s\u00a0significantly more than\u00a0you\u2019d\u00a0normally get from a bank, making this a better destination for big balances.<\/p>\n<p>Originally founded as an online lending marketplace in 2006, San Francisco-based\u00a0LendingClub\u00a0now offers a high-yield savings account. And\u00a0it\u2019s\u00a0a good one.<\/p>\n<div><div><div><div><div><h2>LendingClub<\/h2><div><div><div><p>APY<\/p><div><span>4.00%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>$0 <\/span><\/div><\/div><div><p>Minimum opening depsoit<\/p><div><span>$0 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyL<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The LendingClub logo.\" class=\"wp-image-2891\" height=\"44\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/d5cf48a2cc539b29a01a86d9a4b5f63d.webp\" width=\"300\"\/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 2006<\/li>\n<li>: San Francisco, CA<\/li>\n<li>: Scott Sanborn<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>LendingClub\u2019s\u00a0savings \u201cLevelUp\u201d savings account comes with an excellent 4.00% APY with no fees and no minimum balance.\u00a0Its\u00a0one minor annoyance is that you must deposit at least $250 into the account each month to earn that rate. If you\u00a0don\u2019t,\u00a0you\u2019ll\u00a0earn a (still respectable) 3.00%.<\/p>\n<p>This little detail makes\u00a0LendingClub\u2019s\u00a0savings account less of a set-and-forget\u00a0option\u00a0than many competitors.<\/p>\n<p>A digital bank founded in 2020,\u00a0ZYNLO Bank\u00a0is part of\u00a0PeoplesBank\u00a0which is headquartered in Holyoke, Massachusetts. ZYNLO issues high-yield checking, savings, money market accounts, and CDs.<\/p>\n<div><div><div><div><div><h2>Zynlo Bank<\/h2><div><div><div><p>APY<\/p><div><span>3.85%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>$0.01 <\/span><\/div><\/div><div><p>Minimum opening deposit<\/p><div><span>$0<\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyLion<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The Zynlo Bank logo.\" class=\"wp-image-2892\" height=\"126\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3711bba6bc871f2a0ce23e6fc67a282b.webp\" width=\"400\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3711bba6bc871f2a0ce23e6fc67a282b.webp 400w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/3711bba6bc871f2a0ce23e6fc67a282b-300x95.webp 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 2020 (division of PeoplesBank which was founded in 1885)<\/li>\n<li>: Holyoke, MA<\/li>\n<li>: Tom Senecal<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>Earning ZYNLO\u2019s 3.85% APY with its Tomorrow Savings account is simple: Keep a minimum of $0.01 in your bank account. You\u00a0won\u2019t\u00a0be subject to fees or throttled\u00a0earning rates. Plus,\u00a0ZYNLO does not enforce transfer limitations on its savings account. While many banks limit the number of transactions you can make with your savings account (often six per statement cycle), ZYNLO lets you transfer as often as you like.\u00a0<\/p>\n<p>It\u2019s\u00a0worth noting that ZYNLO Bank\u2019s mobile app receives an average score of 3.75 across Google Play and Apple App Store reviews\u00a0as of this writing.\u00a0That\u2019s\u00a0far and\u00a0away the lowest rating on Fortune\u2019s list of top savings account options. The mobile banking experience is\u00a0important\u2014especially for a fully online bank with no\u00a0option\u00a0to service your account in-person.\u00a0So, if you highly prioritize this factor, a different pick on our list might be better for your needs<\/p>\n<p>First Foundation Bank\u00a0was\u00a0founded by Rick Keller of the Keller Group, a wealth management firm that was\u00a0started\u00a0in 1990 and added banking products in 2007. First Foundation was officially chartered in 2008 and currently supplies a full suite of deposit offerings for personal consumers and businesses, as well as wealth management services.<\/p>\n<div><div><div><div><div><h2>First Foundation Bank<\/h2><div><div><div><p>APY<\/p><div><span>Up to 3.75%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>$0.01 <\/span><\/div><\/div><div><p>Minimum opening deposit<\/p><div><span>$1,000 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyLion<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The First Foundation Bank logo.\" class=\"wp-image-2893\" height=\"400\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/83d778994df3dd507e501f0ef74f4783.webp\" width=\"600\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/83d778994df3dd507e501f0ef74f4783.webp 600w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/83d778994df3dd507e501f0ef74f4783-300x200.webp 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1990<\/li>\n<li>: Dallas, TX<\/li>\n<li>: Thomas C. Schafer<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>First Foundation Bank\u2019s high-yield savings account offers a stellar APY. On top of that, the minimum balance to earn the APY is only $0.01.<\/p>\n<p>This savings account does not charge monthly maintenance fees, and unlike some of the options on our list,\u00a0there\u2019s\u00a0no checking account\u00a0required.<\/p>\n<p>The minimum opening deposit is a bit steep at $1,000. While this may not be a barrier for someone who has already started saving, it could be challenging if\u00a0you\u2019re\u00a0only beginning your journey (e.g.\u00a0recent\u00a0grads\u00a0just starting to build an emergency fund).<\/p>\n<p>Founded in 1996, Bread Financial is the parent company of Bread Savings and was called Alliance Data until 2022. Its specialty is loans and credit cards, while Bread Savings is its consumer deposit division.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=2881\">Top economist says AI just hasn\u2019t delivered on the productivity hype\u2014and it means a \u2018painful repricing\u2019 of markets is very possible<\/a><\/p>\n<div><div><div><div><div><h2>Bread Savings<\/h2><div><div><div><p>APY<\/p><div><span>4.00%<\/span><\/div><\/div><div><p>Minimum balance required to earn APY<\/p><div><span>$100 <\/span><\/div><\/div><div><p>Minimum opening deposit<\/p><div><span>$100 <\/span><\/div><\/div><\/div><\/div><\/div><div>View offer at MoneyLion<svg><\/svg><\/div><\/div><div><section><div><div><div>\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" alt=\"The Bread Savings logo.\" class=\"wp-image-2894\" height=\"119\" src=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/cf20b45aab76e6c61306598607652195.webp\" width=\"424\" srcset=\"https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/cf20b45aab76e6c61306598607652195.webp 424w, https:\/\/crosscountrymovingteams.com\/wp-content\/uploads\/2026\/07\/cf20b45aab76e6c61306598607652195-300x84.webp 300w\" sizes=\"auto, (max-width: 424px) 100vw, 424px\" \/><\/figure>\n<\/div><\/div><\/div><\/section><\/div><\/div><div><div><div><button>Company insights<\/button><button>Fortune rankings<\/button><\/div><\/div><div><span>\n<ul>\n<li>: 1996<\/li>\n<li>: Columbus, OH<\/li>\n<li>: Ralph Andretta<\/li>\n<\/ul>\n<\/span><\/div><div><span>\n<ul>\n<li>\u00a0on the\u00a02026 Fortune 500 list<\/li>\n<\/ul>\n<\/span><\/div><\/div><\/div><\/div>\n<p>The Bread Savings Account offers a top-notch 4.00% APY with one simple requirement: Deposit at least $100 upon account opening. Bread also says\u00a0it \u201cencourages\u201d you to\u00a0maintain\u00a0a $100 balance, but you\u00a0won\u2019t\u00a0be charged a fee if you drop below that threshold.<\/p>\n<p>Similar to other HYSAs on this list, Bread doesn\u2019t issue a checking account.\u00a0You\u2019ll\u00a0instead use this financial institution as a home for your excess funds and transfer them to your primary bank when you need access.<\/p>\n<div><!--$!--><!--\/$--><\/div>\n<p>Perhaps you\u2019re\u00a0simply interested in the highest APY you can earn from a savings account, full stop. In that case, see the list\u00a0we\u2019ve\u00a0curated below in partnership with\u00a0Curinos, a leading provider of financial industry data and analytics.<\/p>\n<p>A high-yield savings account works just like a traditional savings account.\u00a0It\u2019s\u00a0a deposit account at a credit union or bank that you can use for saving and earning interest on your money. The main difference is that the high-yield savings account offers a much higher APY on the money you keep in your account.<\/p>\n<p>When you deposit money in a high-yield savings account, your savings will grow thanks to the magic of compound interest. This means\u00a0you\u2019ll\u00a0earn interest on the principal balance in your account and any interest you earned previously. For example, if you deposited $100 in your account and earned $10 in interest over the past few months, you would then earn interest on the entire $110.<\/p>\n<p>If\u00a0you\u2019re\u00a0considering putting your money in a high-yield savings account, there are a few key benefits and drawbacks to be aware of.<\/p>\n<div>\n<div>\n<h3>Pros<\/h3>\n<ul>\n<li>Deposits are insured by the FDIC<\/li>\n<li>Competitive interest rates<\/li>\n<li>Funds are more liquid than CDs<\/li>\n<\/ul>\n<\/div>\n<div>\n<h3>Cons<\/h3>\n<ul>\n<li>Interest rate can decrease<\/li>\n<li>Returns don\u2019t compare to securities<\/li>\n<li>Monthly withdrawals may be capped<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>As\u00a0you\u2019re\u00a0evaluating the best HYSA for your situation and goals, the following are a few factors\u00a0you\u2019ll\u00a0want to bear in mind:<\/p>\n<h3>Return rate<\/h3>\n<p>This is the most obvious feature. You want an account that offers a high rate of return, and with the accounts on our list, you may be able to snag an APY up to 5.00%. In any case, you certainly\u00a0don\u2019t\u00a0want to settle for something close to the national average savings account APY (again, currently 0.39%).<\/p>\n<p>Compare accounts from different financial institutions to see which offer the best interest rates and benefits\u2014and factor in any fees that will eat away at your profit.<\/p>\n<h3>Minimum deposit<\/h3>\n<p>Some HYSAs\u00a0require\u00a0no minimum deposit. Others may require a small amount, such as $100, and others may require in the range of $2,500. While\u00a0generally not\u00a0prohibitive, some account minimums may be\u00a0a stumbling block\u00a0for those not ready to drop\u00a0a large sum\u00a0of money into a new account.<\/p>\n<h3>Requirements to earn APY<\/h3>\n<p>Earning interest\u00a0isn\u2019t\u00a0always straightforward. Some require you to jump through considerable hoops to achieve the highest rate. As an example, you may need to receive a specific amount in qualifying deposits each month\u2014or keep a minimum balance in your account. If you\u00a0fail to\u00a0meet this requirement each month, you may earn an inferior return\u2014or no return at all.<\/p>\n<p>Don\u2019t\u00a0become entranced by the interest rate alone; pore over the account details to be sure\u00a0you\u2019re\u00a0comfortable with the monthly activities you must complete.<\/p>\n<h3>Max APY cap<\/h3>\n<p>Some sky-high returns\u00a0you\u2019ll\u00a0find are subject to a hard cap. For example, an advertised APY may only apply to balances of $5,000 or less. If your balance exceeds this amount,\u00a0you\u2019ll\u00a0earn a paltry interest rate for the\u00a0remainder.<\/p>\n<p>This is an extremely important detail when it comes to HYSAs. An account that offers 4.50% on only a small balance may be inferior to an account that offers 3.50% on a large balance.<\/p>\n<h3>Online and mobile banking<\/h3>\n<p>If you prefer to do your banking on your desktop or phone, explore the financial institution\u2019s online and mobile platforms before opening an account. Read Apple App Store and Google Play reviews to learn more about the digital platforms and tools available to you and what kinds of features and services are available on those platforms.<\/p>\n<p>Once\u00a0you\u2019ve\u00a0found the best high-yield savings account for your situation, formally opening the account is (typically) a snap.\u00a0Here\u2019s\u00a0what to do:<\/p>\n<ol>\n<li>\u00a0Some banks only offer services to specific regions. Before you get too excited about\u00a0an eye-popping\u00a0APY, check to see if\u00a0it\u2019s\u00a0available in your area.<\/li>\n<li>\u00a0Many banks and credit unions allow you to open an account online or through their mobile app. If you prefer, you can usually go to a physical branch to open your account.<\/li>\n<li>\u00a0You will need to provide some personal information, including your Social Security number or individual taxpayer identification number (TIN), a valid ID (such as a passport or driver\u2019s license), and contact information.<\/li>\n<li>\u00a0Once your application has been approved,\u00a0you\u2019ll\u00a0need to deposit funds into the account\u2014often within a specific\u00a0time frame\u00a0to avoid closure. The amount will depend on the bank\u2019s requirements.<\/li>\n<\/ol>\n<h3>Keep as much money as possible in your account<\/h3>\n<p>Unless you prefer to store your money in a generous\u00a0certificate of deposit\u00a0(we\u2019ll cover those in a minute), storing all of your excess funds in a HYSA is the most profitable low-risk money move you can make. Audit your other accounts to see if you can spare to keep any more money in your most profitable account.<\/p>\n<h3>Automate transfers<\/h3>\n<p>Saving can be difficult, but setting up automatic transfers can be a tremendous help. Instead of trying to squeeze blood from a stone after paying all your necessary (and discretionary) expenses, automate an amount of money to be withdrawn from each paycheck\u2014and work out your budget from the rest. Your savings will grow in a hurry.<\/p>\n<h3>Select accounts that compound\u00a0frequently<\/h3>\n<p>The more often your HYSA compounds, the faster your money will snowball. An account that compounds daily or monthly is ideal.<\/p>\n<p>For example: When an account compounds daily,\u00a0you\u2019ll\u00a0earn interest on your balance plus any interest\u00a0you\u2019ve\u00a0accrued\u00a0since the previous day. An account that compounds annually will not add APY to your bank balance throughout the year, so you\u00a0won\u2019t\u00a0earn that slight extra \u201cinterest on interest.\u201d<\/p>\n<h3>Occasionally review your rate<\/h3>\n<p>You\u00a0don\u2019t\u00a0have to jump around from bank to bank whenever you see an impressive return rate, but you should take a quick look at the current HYSA rates a few times each year\u2014just to ensure\u00a0you\u2019re\u00a0still earning a competitive APY. If your account is underperforming, it may be time to change banks.<\/p>\n<p>In short, anyone with a savings account should be intrigued by a high-yield savings account. A savings account is\u00a0a good idea\u00a0for every circumstance.<\/p>\n<p>For example,\u00a0you\u2019ve\u00a0likely got\u00a0financial goals that require stringent monthly savings, from a new home appliance to a down payment on a new vehicle. A high-yield savings account can help you earn interest\u00a0on\u00a0your savings\u2014and even help you\u00a0to reach\u00a0that magic number more quickly.<\/p>\n<p>You\u2019ll\u00a0also never know when you will need to dip into\u00a0an emergency\u00a0savings. Putting those funds into a high-yield savings account can help you\u00a0to make\u00a0money in the meantime.<\/p>\n<p>A high-yield savings account\u00a0isn\u2019t\u00a0the only way to get a solid return from your cash reserves. Here are a few other options to consider:<\/p>\n<ul>\n<li>\u00a0Sort of a cross between a checking and savings account, an MMA gives you the flexibility to write checks from your account and access money via ATM withdrawals\u2014all while usually earning a higher interest rate than if you kept your money in a\u00a0checking account.<\/li>\n<li>\u00a0Some checking account APYs can rival that of a high-yield savings account. This can be especially helpful for big spenders who have a lot of money coming and going from their checking.<\/li>\n<li>\u00a0Certificates of deposit\u00a0require that you commit to locking up your funds for a fixed amount of time (though you can withdraw your money early for an\u00a0often exorbitant\u00a0fee). However, consumers worried that changes to the market may lead to a lower savings account APY will appreciate that when you open a CD at a certain rate,\u00a0you\u2019re\u00a0guaranteed that rate for the CD\u2019s full term.<\/li>\n<\/ul>\n<p>At the end of 2025, the Fed made cut after\u00a0cut\u00a0to the federal funds rate. However, its last several meetings (including the latest on June 17, 2026), brought no change to the current 3.50%-3.75% rate.<\/p>\n<p>In the release following the Federal Open Market Committee (FOMC) meeting in\u00a0March, the Fed wrote, \u201cEconomic activity is expanding at a solid pace despite elevated uncertainty that owes, in part, to the conflict in the Middle East. Productivity growth and capital investment are strong. Job gains have kept pace with the workforce, and the unemployment rate has changed little.\u201d<\/p>\n<p>In light of the FOMC decision, it\u2019s likely your high-yield savings account\u2019s APY will remain the same\u00a0for the time being.\u00a0Also note that financial institutions can still choose to adjust rates for reasons not tied to Fed actions.<\/p>\n<div><div>\n<p>Read our explainer of how the\u00a0Federal Reserve can impact your bank account.<\/p>\n<\/div><\/div>\n<p>Fortune compared rates and account details of the best and most popular financial institutions in the U.S. Our\u00a0methodology\u00a0ranked each account in certain core categories:<\/p>\n<ul>\n<li>This number\u00a0represents\u00a0the real rate of return on your balance; the higher the APY, the better.<\/li>\n<li>To earn the highest APY, some banks require that you\u00a0maintain\u00a0a certain dollar amount in the account, which is a limiting factor.<\/li>\n<li>\u00a0A bank may advertise a high return rate but cap it at a low amount. The more money that qualifies for the highest rate, the higher the financial institution scored.<\/li>\n<li>\u00a0Some banks\u00a0require\u00a0a deposit amount when you open your account. A higher opening deposit is less attractive.<\/li>\n<li>\u00a0Some banks stipulate that you must have\u00a0qualifying\u00a0monthly activity to achieve the highest APY\u2014such as a specific amount of qualifying direct deposits. The more complicated the earnings, the lower the score.<\/li>\n<li>Many banks have a mobile app you can use to manage your account. We looked at banks\u2019 mobile app ratings in the Apple App Store and Google Play.<\/li>\n<\/ul>\n<details><summary><span><h3>Are high-yield savings accounts safe?<\/h3><svg><\/svg><\/span><\/summary>\n<p>Yes, high-yield savings accounts are safe. They are insured by the FDIC (or NCUA for credit unions) up to $250,000 per account holder.<\/p>\n<\/details>\n<details><summary><span><h3>Can I lose money in a high-yield savings account?<\/h3><svg><\/svg><\/span><\/summary>\n<p>You\u00a0won\u2019t\u00a0lose money in a high-yield savings account in the same way you may lose money in a riskier investment, such as stocks. However, you may effectively lose money if your HYSA\u00a0doesn\u2019t\u00a0outpace inflation.<\/p>\n<\/details>\n<details><summary><span><h3>How are high-yield savings accounts different from CDs?<\/h3><svg><\/svg><\/span><\/summary>\n<p>High-yield savings accounts allow you to access your money at any time (though there may be monthly limits to how often you can withdraw). A CD demands that you deposit your money and not touch it for a specific\u00a0period of time, often from 3 months to 5 years. The tradeoff is that CDs often come with even higher return rates that are locked for the duration of the account term.<\/p>\n<\/details>\n<details><summary><span><h3>How often do high-yield savings account rates change?<\/h3><svg><\/svg><\/span><\/summary>\n<p>HYSA rates can change at any moment, and the frequency of the changes\u00a0are\u00a0typically in response to a change in the market. From a bank\u2019s pricing decisions to a Fed rate cut, plenty of things can cause a financial institution to reevaluate its APY.<\/p>\n<\/details>\n<details><summary><span><h3>Is a high-yield savings account good for an emergency fund?<\/h3><svg><\/svg><\/span><\/summary>\n<p>Yes, a HYSA is good for\u00a0an emergency fund. If you\u00a0don\u2019t\u00a0plan to touch your money, it will serve you best in a high-yield account.<\/p><p>Read more <a href=\"https:\/\/crosscountrymovingteams.com\/?p=2879\">The supertanker tycoon making millions on Hormuz shuttle runs<\/a><\/p>\n<\/details>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>We\u2019ve selected 10 savings accounts we think stand out in terms of a high APY and other important features.<\/p>\n","protected":false},"author":1,"featured_media":2884,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[395],"tags":[],"class_list":["post-2895","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Best high-yield savings accounts for\u00a0July 2026: Over 4% APY\u00a0without a\u00a0fee - 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