$HYSA Compare

Best HYSAs for Deposits Over $100,000

18 accounts · Updated daily · Verified APYs

Once your balance crosses six figures, the difference between a 3.50% and 4.50% APY is real money — $1,000 a year per $100,000. The accounts ranked here pay their headline rate on balances above $100,000 and have no balance ceiling that triggers a lower tier.

For balances above $250,000 (the FDIC per-depositor limit), consider splitting funds across two of these accounts at different banks rather than relying on a single institution.

The ranking

  1. 01
    Varo Savings Account
    FDIC · $0 min · $0.00/mo
    5.00%
    Updated 1d ago
  2. 02
    BrioDirect High-Yield Savings
    FDIC · $5,000 min · $0.00/mo
    4.85%
    Updated 1d ago
  3. 03
    Bask Interest Savings
    FDIC · $0 min · $0.00/mo
    4.65%
    Updated 1d ago
  4. 04
    UFB Secure Savings
    FDIC · $0 min · $0.00/mo
    4.57%
    Updated 1d ago
  5. 05
    CIT Platinum Savings
    FDIC · $100 min · $0.00/mo
    4.55%
    Updated 1d ago
  6. 06
    Wealthfront Cash Account
    FDIC · $1 min · $0.00/mo
    4.50%
    Updated 1d ago
  7. 07
    LendingClub LevelUp Savings
    FDIC · $0 min · $0.00/mo
    4.50%
    Updated 1d ago
  8. 08
    Bread Savings High-Yield Savings
    FDIC · $100 min · $0.00/mo
    4.40%
    Updated 1d ago
  9. 09
    Synchrony High Yield Savings
    FDIC · $0 min · $0.00/mo
    4.35%
    Updated 1d ago
  10. 10
    Barclays Online Savings
    FDIC · $0 min · $0.00/mo
    4.35%
    Updated 1d ago
  11. 11
    Fidelity Cash Management Account
    FDIC · $0 min · $0.00/mo
    4.05%
    Updated 1d ago
  12. 12
    SoFi Checking and Savings
    FDIC · $0 min · $0.00/mo
    4.00%
    Live
  13. 13
    Discover Online Savings Account
    FDIC · $0 min · $0.00/mo
    4.00%
    Updated 1d ago
  14. 14
    Marcus Online Savings Account
    FDIC · $0 min · $0.00/mo
    3.65%
    Live
  15. 15
    Ally Online Savings Account
    FDIC · $0 min · $0.00/mo
    3.20%
    Live
  16. 16
    American Express High Yield Savings
    FDIC · $0 min · $0.00/mo
    3.20%
    Live
  17. 17
    Capital One 360 Performance Savings
    FDIC · $0 min · $0.00/mo
    3.20%
    Live
  18. 18
    Alliant High-Rate Savings
    NCUA · $5 min · $0.00/mo
    3.10%
    Updated 1d ago

Frequently asked

Is FDIC insurance enough for $250k+?

FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. To insure more, you can either spread funds across multiple banks or use joint accounts and beneficiary designations to multiply coverage at a single institution.

Do banks pay the same rate on a $500k deposit as a $5k deposit?

On the accounts in this list, yes. We deliberately exclude products that drop the APY above a certain balance tier.

What about Treasury bills or money market funds?

For balances above the FDIC limit and time horizons over 30 days, T-bills and government money market funds are competitive alternatives. They are not FDIC-insured but are backed by the U.S. Treasury.