YieldPerch · High-yield savings desk
YieldPerch
Expert reviews, honest comparisons, and the best deals on High-Yield Savings & Banking — helping you make smarter buying decisions.
- $5k balance
- ~$204/ yr
- $25k balance
- ~$1,019/ yr
- $100k balance
- ~$4,074/ yr
parked one year
a common emergency fund
above-cap planning
Illustrative interest at a ~4.00% APY vs. pennies at a typical 0.01% big bank — rates change; verify before opening. 26 researched guides.
The signature tool
See your effective yield, not the teaser
Most APY calculators ignore the conditions attached to a headline rate. This one lets you drop a gated account to its base rate, so the number reflects what you'd actually pocket.
The Real-Yield Calculator
What your cash actually earns
Model a balance against an illustrative high-yield APY — then flip the gate to see the effective yield if a direct-deposit requirement isn't met.
Effective yield
4.00% APY
- Interest earned, this horizon
- $1,063.03
- Projected ending balance
- $28,463.03
- Vs. a 0.01% big-bank account
- $2.61
You'd earn about $1,060 more than leaving it at a big bank.
Illustrative only — APYs change frequently. Figures assume monthly compounding and do not account for taxes. Verify the current rate on the bank's official site before opening an account. General information, not financial advice.
The rate ledger
Accounts we track
Accounts we track for everyday savers — ranked on structure and fit, never on a teaser rate. Confirm the live APY on the bank's site before opening.
Editor's lead pick
Ally Bank Money Market Account (via Ally Deposits)
Per CJ program terms (Ally Deposits) — pending approval
Compare current rateAlly Bank High Yield CD (via Ally Deposits)
Per CJ program terms (Ally Deposits) — pending approval
Ally Bank Online Savings Account (via Ally Deposits)
Per CJ program terms (Ally Deposits) — pending approval
Capital Bank deposits & OpenSky credit-builder (via Capital Bank)
Sale: 25.00 USD per CJ program (Capital Bank) — pending approval
Barclays Online CD (via Barclays US Online Savings)
Lead: 0.00–250.00 USD per CJ program (Barclays US Online Savings) — pending approval
Barclays Tiered Online Savings (via Barclays US Online Savings)
Lead: 0.00–250.00 USD per CJ program (Barclays US Online Savings) — pending approval
Ally Bank Spending Account / checking (via Ally Deposits)
Per CJ program terms (Ally Deposits) — pending approval
Coverage desks
Explore by Topic
Online Savings Accounts
8Head-to-head breakdowns of high-yield online savings accounts — effective APY after gates and tiers, minimums, fees, and how fast you can move money.
CDs & Fixed-Term Rates
5Certificate-of-deposit comparisons by term and use case — no-penalty vs. fixed, CD ladders, and when locking a rate beats a flexible HYSA.
Money Market Accounts
3Money market accounts compared for savers who want check/debit access without giving up yield — tiers, limits, and HYSA trade-offs.
Online Banks Compared
5Full-bank comparisons — savings plus checking, ATMs, transfer speed, app quality, and FDIC details — for people choosing a primary online bank.
Savings Strategy & Tools
5Practical, illustrative guides — emergency-fund sizing, beating promo-rate cliffs, taxes on interest, and getting the most from the Real-Yield Calculator. Educational, not advice.
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Find a higher yield for your cash
Compare flat-rate and tiered savings accounts on structure, fees, and FDIC coverage — then confirm the current APY on the bank’s official site before you open.
Compare savings ratesAffiliate disclosure. YieldPerch earns a commission via Commission Junction when you open an account through some of our links, at no extra cost to you. This never changes which accounts we cover or how we rank them. Our comparisons are based on published rates, account terms, and expert reviews — not on having opened the accounts ourselves. All APYs and dollar figures shown are illustrative and change frequently; verify the current rate on the bank’s official site. This is general information, not financial advice. FDIC coverage applies to deposits up to applicable limits.