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Top High-Yield Savings Accounts Paying Up to 5.00% APY Right Now

Digilifetrends Updated 2026-09-23 1 min read
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Momentum from the Federal Reserve’s recent rate move is still affecting banks, and many are continuing to adjust their offerings.

Depending on the account you choose, your emergency fund could earn as much as 5.00% APY, which can add up to tens of dollars a month even on modest balances.

Waiting can cost you money; moving your cash sooner can help it earn more.

High-yield savings accounts are still a strong option, and switching now could help you stop leaving interest on the table.

Best high-yield savings rates available now

Happen Bank LevelUp Savings pays 4.20% APY for customers who make at least $250 in monthly deposits. That rate is more than 11 times the national average for savings accounts. It also comes with no monthly fees and added perks such as a free ATM card.

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