High-Yield Savings Accounts Compared on Issuer Pages (Oct 2026)
Three online savings accounts, compared only on what each bank publishes. Rates change, so check the issuer before you open an account.
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Online savings accounts often pay far more than the national average. On issuer pages checked October 26 to 27, 2026, Marcus listed the highest APY of these three, Ally offered the best saving tools, and Capital One 360 offered branch access.
Quick picks
- Highest listed APYOnline Savings AccountCheck price
- Best saving toolsSavings AccountCheck price
- Best with branches360 Performance SavingsCheck price
| Spec | Top pickMarcus by Goldman SachsOnline Savings Account | ToolsAlly BankSavings Account | BranchesCapital One360 Performance Savings |
|---|---|---|---|
| Best for | Unlimited withdrawals and fast transfers | Savers who want buckets and auto-save tools | People who want branch and Cafe access |
| Monthly feelower is better | 0 $★ Best$0 | 0 $★ Best$0 | 0 $★ Best$0 |
| APY (issuer page) | 3.50% as of Oct 26, 2026 (variable) | 3.2% as of Oct 26, 2026 (variable, same on all tiers) | Shown live on capitalone.com (variable); we could not capture a fixed figure |
| Minimum deposit | $0 | $0 | $0 |
| Withdrawals | No limit at this time, per Marcus | 10 limited withdrawals per statement cycle | Online or at a branch; not by ATM |
| Deposit insurance | FDIC (Goldman Sachs Bank USA) | FDIC (Ally Bank, Member FDIC) | FDIC (Capital One, N.A.) |
| Price | Check price | Check price | Check price |
Specs from each manufacturer's US product page. Bars compare each spec against the best value in this table; they are not test scores. Prices change often, so we link out instead of quoting them.
The picks
★Highest listed APY
Marcus by Goldman SachsOnline Savings Account
Best for: Unlimited withdrawals and fast transfers
Marcus listed 3.50% APY as of October 26, 2026, with no fees, no minimum deposit and same-day transfers of $100,000 or less.
What we like
- Highest issuer-listed APY of the three on the date checked
- No withdrawal limit stated
Watch out for
- No branches or ATM access
- Maximum balance limits apply
Marcus showed 3.50% APY as of October 26, 2026, and says it is about 8 times the national average. Same-day transfers of $100,000 or less are available when requested by 12pm ET. Marcus notes maximum balance limits apply. A referral promo adds 1.00% for 3 months; read its terms first.
★Best saving tools
Ally BankSavings Account
Best for: Savers who want buckets and auto-save tools
Ally listed 3.2% APY as of 10/26/2026, with no monthly fee, no minimum deposit, savings buckets and round-up boosters.
What we like
- Up to 30 savings buckets
- Round ups and Surprise Savings tools
Watch out for
- Ally may close the account if you often exceed 10 limited withdrawals
- Lower APY than Marcus on the date checked
Ally showed 3.2% APY, correct as of 10/26/2026, on every balance tier. Interest compounds daily. Buckets let you split savings into up to 30 goals. Ally allows 10 limited withdrawals per statement cycle.
★Best with branches
Capital One360 Performance Savings
Best for: People who want branch and Cafe access
No fees or minimums, the same rate on every balance, and branch or Cafe access. The APY loads live on the issuer page; check it there.
What we like
- Branches and Capital One Cafes
- Same rate on the whole balance
Watch out for
- No ATM withdrawals from savings
- Rate not shown in a static form, so compare on the day
Capital One’s rate loads live on its page, so we do not print a figure. It has no fees or minimums and pays the same rate on the whole balance. You cannot withdraw from savings at an ATM.
How to compare savings accounts
- APY: The CFPB explains that APY reflects interest plus compounding over a year. Compare APYs, not interest rates.
- Fees and minimums: All three list $0 monthly fees and $0 minimums.
- Insurance: Confirm the bank is FDIC insured with the FDIC BankFind tool.
- Rate trends: Savings rates tend to move with the Federal Reserve’s policy rate, so variable APYs can fall as well as rise.
Next steps
Frequently asked questions
Are these rates fixed?
No. All three are variable. Each bank can change its APY at any time. The figures here are what each issuer page showed on the date listed.
Is my money insured?
All three banks are FDIC members. FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. See our FDIC guide for how the categories work.
What is the national average?
Ally cites a national average savings rate of 0.38% APY from the FDIC Monthly National Rates and Rate Caps as of 10/19/2026.
