High-yield savings accounts
Ally
- APY
- 3.20% (all balance tiers)
- APY as of 10/30/2026
- Minimum deposit
- $0 minimum; no minimum balance
- checked Oct 30, 2026
Capital One 360
- APY (360 Performance Savings)
- 3.20% (all balances)
- APY effective 10/30/2026
- Minimum deposit
- $0; no minimum
- checked Oct 30, 2026
Marcus
- APY
- 3.50% (standard)
- APY as of Oct 30, 2026
- Minimum deposit
- $0 (no minimum deposit)
- checked Oct 30, 2026
SoFi
- APY
- 3.30% base; up to 4.40% with a time-limited boost
- APY as of 10/20/2026; checked Oct 30, 2026
- Conditions
- Getting the 3.30% needs direct deposit or $5k in qualifying deposits. The 1.10% boost lasts up to 6 months for new members.
- APY as of 10/20/2026; checked Oct 30, 2026
- Minimum deposit
- $0 (no minimum deposit)
- checked Oct 30, 2026
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Budgeting apps
Monarch
- Monthly price
- Core $14.99/mo
- checked Oct 30, 2026
- Annual price
- Core $99.99/yr ($8.33/mo equiv.); Plus $199.99/yr ($16.67/mo equiv.)
- checked Oct 30, 2026
- Free trial
- 7 days (payment method required)
- checked Oct 30, 2026
Tiller
- Annual price
- $99/yr
- checked Oct 30, 2026
- Free trial
- 30 days
- checked Oct 30, 2026
YNAB
- Monthly price
- $14.99/mo
- checked Oct 30, 2026
- Annual price
- $109/yr ($9.08/mo equiv.)
- checked Oct 30, 2026
- Free trial
- 34 days
- checked Oct 30, 2026
We aren't paid for these links.
These guides explain how high-yield savings accounts and deposit insurance work, and how to build a budget and compare budgeting apps.
Guides in this section
High-Yield Savings Accounts Explained: APY, FDIC and NCUA Insurance, How to Compare
What APY means, how FDIC and NCUA insurance limits work, and what to compare in a high-yield savings account, with two banks' published terms as of Oct. 19, 2026.
How to Build a Budget, and How Budgeting Apps Work: Pricing and Data Sharing
Budgeting steps based on CFPB tools, plus how budgeting apps charge, renew and cancel, and what linking your bank accounts shares, as of Oct. 19, 2026.
Savings Calculator: Estimate Your Balance and Interest From an APY
Estimate a savings account's ending balance and interest earned from your starting deposit, monthly deposits, APY and term. Runs in your browser.
Sources
- Deposit Insurance, Federal Deposit Insurance Corporation (accessed October 19, 2026)
General information only; not financial, legal or tax advice. Moneysilk is not a lender and does not make credit decisions. Read our editorial standards and corrections policy.