HYSA Rate Leaderboard

Ranked by Rate Health Score — not just raw APY. Updated Jun 22, 11:50 PM

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No monthly feeNo direct deposit requiredNon-promotional rate

Showing 14 of 14 products

#	Bank / Product	APY	Trend	Rate Health	Features
1	UFB Direct UFB Secure Savings Best Rate	5.10%	→ No change 30d	Score94/100	No feeNo DD$25,000 min	Details →
2	Western Alliance Bank Western Alliance High Yield Savings	5.05%	→ No change 30d	Score91/100	No feeNo DD$1 min	Details →
3	Marcus by Goldman Sachs Marcus Online Savings	5.00%	→ No change 30d	Score89/100	No feeNo DD	Details →
4	LendingClub Bank LendingClub High-Yield Savings	4.95%	→ No change 30d	Score86/100	No feeNo DD$2,500 min	Details →
5	Bread Financial Bread Savings High-Yield	4.90%	→ No change 30d	Score83/100	No feeNo DD$100 min	Details →
6	SoFi Bank SoFi High-Yield Savings	5.20%Promo	→ No change 30d	Score80/100	No fee	Details →
7	CIT Bank CIT Bank Platinum Savings	5.15%Promo	→ No change 30d	Score77/100	No feeNo DD$5,000 min	Details →
8	Ally Bank Ally High Yield Savings	4.80%	→ No change 30d	Score77/100	No feeNo DD	Details →
9	American Express American Express High Yield Savings	4.75%	→ No change 30d	Score74/100	No feeNo DD	Details →
10	Barclays US Barclays Tiered Savings	4.70%	→ No change 30d	Score71/100	No feeNo DD	Details →
11	Synchrony Bank Synchrony Bank High Yield Savings	4.65%	→ No change 30d	Score69/100	No feeNo DD	Details →
12	Discover Bank Discover Online Savings	4.60%	→ No change 30d	Score66/100	No feeNo DD	Details →
13	Capital One Capital One 360 Performance Savings	4.55%	→ No change 30d	Score63/100	No feeNo DD	Details →
14	Citizens Access Citizens Access Online Savings	4.50%	→ No change 30d	Score60/100	No feeNo DD$5,000 min	Details →

Rate Health Score = APY vs peers (40pts) + rate stability (30pts) + non-promotional bonus (20pts) + no monthly fee (10pts). A bank paying 5.10% on a promo rate it drops in 3 months scores lower than one paying 4.85% consistently.