HYSAs paying up to 5%
Top U.S. high‑yield savings accounts are offering up to roughly 5.00% APY, while leading money‑market accounts are near 4.01% — these rates were reported March 13–14 and offers vary by institution and requirements El-BaladYahoo.
Varo’s high‑yield savings pays a headline 5.00% APY on the first $5,000, and the product requires at least $1,000 in monthly direct deposits to qualify. varomoney.com Fortune’s March 13 roundup lists Axos ONE at up to 4.21% and shows Newtek Bank and Wealthfront offers around 4.20% on their published leaderboards. fortune.com WalletHub’s March tables identify the TotalBank Online Money Market Deposit Account at 4.01% APY with a $25,000 minimum to open, marking it as a jumbo‑tier money‑market contender. wallethub.com Forbes Advisor’s money‑market survey notes Quontic Bank among top MMAs at about 4.00% APY while highlighting that competing MMAs typically carry balance tiers or conditions. forbes.com The FDIC’s national average for savings was 0.39% as of the February 17, 2026 national‑rates release, underscoring the gap between headline online offers and nationwide averages. fdic.gov The Federal Reserve cut the federal‑funds rate three times in 2025, bringing the target range to 3.50%–3.75%, a policy shift tracked by Bankrate and bank commentaries that has put downward pressure on advertised deposit yields. bankrate.com Editorial rate tables are updated frequently — Forbes Advisor’s APYs were timestamped Mar. 12, 2026 and Fortune notes daily updates — so the specific banks and tiers behind top HYSA and MMA listings can change from week to week. forbes.com
