Sports · Sun Belt Post
Happy Labor Day Monday. You've earned a day off, and now it's time to get back to work -- starting with your finances. One of the best ways to honor the work you do is by making sure your savings actually work for you.
A weak account wastes your effort. Move your money to a high-yield savings account (HYSA) and let it earn what it deserves. HYSAs are still offering strong returns.
Make the move and start earning up to 4.50% APY today. Our Picks for the Best High-Yield Savings Accounts of 2026 Account APY Bonus Next Steps Open Account for SoFi Checking and Savings On SoFi's Secure Website . Member FDIC. 4.90/5 Circle with letter I in it.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor up to 4.00% Rate info Circle with letter I in it.
Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change.
Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC.
Min. to earn: $0 Earn $50 or $400 and +0.90% Boost on Savings APY with direct deposit. Terms apply. Circle with letter I in it.
Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change.
Terms apply at sofi.com/banking#4 . SoFi Bank, N.A. Member FDIC.
Open Account for SoFi Checking and Savings On SoFi's Secure Website . Open Account for Happen Bank LevelUp Savings On Happen Bank's Secure Website . Member FDIC. 4.70/5 Circle with letter I in it.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor 4.00% APY with $250+ in monthly deposits Rate info Circle with letter I in it. *LevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period.
Otherwise, accounts earn Standard Rate of 3.00% APY. LevelUp Rate applies to first two statement cycles. Rates variable & subject to change at any time.
See terms: https://www.happen.com/legal/deposits/levelup-savings-t-and-cs Min. to earn: N/A Open Account for Happen Bank LevelUp Savings On Happen Bank's Secure Website . Open Account for CIT Platinum Savings On CIT's Secure Website . Member FDIC. 4.80/5 Circle with letter I in it.
Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor up to 4.10%* Rate info Circle with letter I in it. 4.10%* APY for balances of $5,000 or more; otherwise, 0.60%* APY Min. to earn: $5,000 Earn up to 4.10% APY with promo code CITBoost Circle with letter I in it.
With the 6 month Boost limited-time offer, you earn 4.10%* APY on balances over $5,000 (balances less than $5,000 earn 0.60%* APY). After the boost is complete you will continue to earn standard rates -- 3.75% APY for balances over $5,000 (balances less than $5,000 earn 0.25% APY). The minimum to open a Platinum Savings account is $100.
Member FDIC. No monthly service fees. Open Account for CIT Platinum Savings On CIT's Secure Website .
Disclaimers Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of July 1, 2026 : 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more.
Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100. Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026. * Platinum Savings APY Boost Promotion Terms and Conditions This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY.
If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends October 31, 2026 . Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6- month period outlined in the terms and conditions.
The promotion can end at any time without notice. CIT General Disclosure For complete list of account details and fees, see our Personal Account disclosures . Best high-yield savings rates today, Sept. 7, 2026 Bank Account APY Requirements Go2bank up to 4.50% On savings vault balances up to $5,000 when your checking account is active and in good standing.
Elevault 4.34% No min. balance. Axos ONE® up to 4.21% Receive at least $1,500 in total monthly qualifying direct deposits and maintain an average daily balance of at least $1,500 Newtek Personal High Yield Savings 4.20% $100 min. deposit required to open. No min. balance requirement.
CNB Bank from Raisin 4.17% Rate guaranteed for 60 days from funds posting. $1 min. deposit. Eligibility rules apply. NexBank High-Yield Savings Account from Raisin 4.15% Rate guaranteed for 90 days from funds posting. $1 min. deposit.
Eligibility rules apply. Data source: Issuing banks. Rates are accurate as of Sept. 7, 2026.
Featured HYSA: Right now, with the NexBank High-Yield Savings Account from Raisin, earn 4.15% APY for a limited time. New Raisin users get a 90-day rate lock, guaranteed. Growing your savings balance has never been easier.
Rates as of NexBank High-Yield Savings Account from Raisin Member FDIC. Limited-Time Offer Earn up to $1,000 when you sign up and fund your account using code STACK. APY 4.15% Rate info Circle with letter I in it.
Earn a guaranteed 4.15% APY for 90 days. After that, your savings keep growing at a competitive standard rate — currently 3.97% APY (subject to change). No minimum account balance required.
Deposit or withdraw at any time with no additional fees. See product terms for complete details. Min.
To Earn APY $1 High APY No monthly service fee Unlimited ACH transfers FDIC insured Deposits and withdrawals can only be conducted via ACH transfer to/from an external bank account (limited to one linked external account) No checking account offered through Raisin No branch access; online only Earn a 4.15% APY with a High-Yield Savings Account from NexBank (Member FDIC), powered by Raisin. NexBank has been a trusted institution in Texas for over 100 years. If maximizing yield is your priority and you don't need branch access, it's a solid pick.
New customers only. Earn a cash bonus (the "Base Bonus") when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Base Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more.
Multi-Product Boost: Customers eligible for the Base Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date. For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category.
Multi-Product Boost eligibility is determined by your Base Bonus tier: customers depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100. Customers are eligible to earn the Recurring Deposit Bonus associated with their Base Bonus tier or any lower Recurring Deposit Bonus tier. For example, a customer with an initial deposit of $200,000 (qualifying for the highest Base Bonus tier) whose aggregate recurring deposits total $500, is eligible for the lower tier and will receive the $50 Recurring Deposit Bonus.
However, setting up a recurring deposit greater than your Base Bonus tier's required threshold will not qualify you for a higher Recurring Deposit Bonus. The Multi-Product Boost is optional and paid in addition to the Base Bonus. To qualify for the Base Bonus and Multi-Product Boost, your first deposit must be initiated between September 1, 2026, and September 30, 2026, by 11:59 PM ET, and the promo code STACK must be entered at the time of sign-up.
Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Base Bonus and Multi-Product Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only, is non-transferable, and may not be combined with any other bonus offers.
Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service. At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products. Accounts are evaluated across four main criteria: APY Brand and reputation Fees and minimum requirements Accessibility and features Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees.
Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions. Learn more about how Motley Fool Money rates bank accounts. At Motley Fool Money, we rate savings accounts on a five-star scale, shown in tenths of a point to highlight even small differences between products.
Accounts are evaluated across four main criteria: APY Brand and reputation Fees and minimum requirements Accessibility and features Scores may be adjusted to reward limited-time high rates or penalize accounts with excessive fees. Our goal is to highlight accounts that are competitive, easy to use, and backed by trusted institutions. Learn more about how Motley Fool Money rates bank accounts.
Unlock today's strongest rates -- and tomorrow's, too We track savings accounts with standout APYs, fewer fees, and better terms. Join 35,000+ readers getting weekly roundups of top rates and smarter ways to grow their money. By submitting your email address, you consent to us sending you money tips along with products and services that we think might interest you.
You can unsubscribe at any time. Please read our Privacy Statement and Terms & Conditions . Where interest rates stand so far in September The Federal Reserve has held rates steady through the first five decisions of 2026, and it doesn't meet again until later this month.
The best high-yield savings accounts are still reflecting that stability. Top rates remain clustered between 4.00% and 4.50% APY , a level that would have seemed unusually high just a few years ago. But HYSA rates aren't permanent.
They're variable by design, and when the Fed eventually moves again, banks will adjust. The three cuts in 2025 already showed how quickly the environment can shift, and banks don't usually waste much time adjusting rates when a change happens. For now, savers are in a favorable position.
The combination of elevated rates, FDIC insurance up to $250,000 , and full liquidity makes a high-yield savings account one of the more compelling places to keep cash you're not ready to invest. Waiting for a "better" moment is more likely to cost you than to help you. Open an HYSA in 10 minutes or less Most people overestimate how long it takes to open a savings account.
Here's the actual process: Compare rates and terms. Look for a high APY with no monthly maintenance fees. Note whether there's a minimum balance requirement to earn the top rate -- some accounts require $1,000 or $5,000, while others have no minimum at all.
Apply online. You'll need standard identification details: legal name, address, Social Security number, and date of birth. No branch visit required.
Transfer funds. Link your existing bank account and move money over. Most transfers complete within one to three business days.
Once your account is funded, it earns interest automatically. Many savers also set up a small recurring transfer from checking to keep building their balance over time. Give your savings balance a boost with compound interest It's one thing to say high-yield accounts pay more.
It's another to see what that means for your actual balance. At 4.00% APY , here's how savings grow over time without any additional deposits Starting Balance After 1 Year After 5 Years After 10 Years After 20 Years $1,000 $1,040 $1,217 $1,480 $2,191 $5,000 $5,204 $6,105 $7,454 $11,113 $10,000 $10,407 $12,210 $14,908 $22,226 $20,000 $20,815 $24,420 $29,817 $44,452 Data source: Author's calculations. At the national average of 0.38% , a $10,000 balance would grow to roughly $10,038 after one year.
At 4.00% APY, that same balance becomes $10,407. The gap widens every year, and the accounts earning the higher rate require no more effort than the ones earning almost nothing. See our full list of top high-yield savings accounts.
FAQs No. High-yield savings account rates are variable, meaning banks can change them at any time. The good news is that rates typically primarily move when the Fed makes changes, and those happen infrequently.
The bad news is your rate isn't guaranteed. That's why it's smart to open an account while rates are strong -- and why you shouldn't delay if you're considering making a move. Many online banks that offer high-yield savings accounts have no minimum deposit requirement.
You can often open the account with as little as $1. However, some banks do require a minimum balance to open an account or earn the advertised APY, so check the fine print. Most online banks let you open a high-yield savings account in 10-15 minutes from your computer or phone.
You'll need basic info like your Social Security number, address, and bank account details for linking transfers. Your account is usually active the same day, though transfers between banks can take a business day or two.
Source: The Motley Fool
