​15 savings accounts with interest rates of 4% APY and higher (updated weekly) 

Today, the national average interest rate for savings accounts is just 0.41%, according to the FDIC. But that doesn’t mean you’re stuck earning a low rate on your savings.Many banks and credit unions offer high-yield savings accounts with an annual percentage yield (APY) of 4% or more, allowing you to maximize your savings potential and hit your savings goals even faster.Here’s a look at some of the top federally insured high-yield savings accounts available today that currently offer 4.00% APY and higher.Note that interest rates, fees, and requirements are accurate as of the publish date. Please verify account details directly with the financial institution.Digital Federal Credit Union (DCU) offers a high-yield savings account with the highest APY on our list at 6.17%. The catch: This rate only applies to balances up to $1,000; balances above $1,000 earn 0.05% APY. Even so, this great rate could get the ball rolling on growing your savings.The minimum deposit needed to open this account is $5.00, and there’s no monthly maintenance fee or minimum balance required to earn the disclosed APY. Eligibility for membership with DCU is determined by a prospective member’s relationship to a current member, employment at an eligible company, geographic area, or involvement in qualifying organizations.Varo Bank’s High-Yield Savings Account offers an attractive 5.00% APY on balances up to $5,000 (balances over this threshold earn 2.50% APY). There’s no minimum balance required and no monthly fees. This account also allows for automatic round-ups to give your savings a boost over time.Read our full review of Varo Bank3. BrioDirect High-Yield Savings Account: 4.55% APYBrioDirect’s High-Yield Savings Account boasts 4.55% APY with no monthly maintenance fees. You need a minimum of $5,000 to open this account and must maintain at least $25 to earn the disclosed APY.Read our full review of BrioDirect4: First Foundation Bank Online Savings: 4.50% APYFirst Foundation Bank’s Online Savings Account offers 4.50% APY with no monthly maintenance fees. The minimum opening deposit is $1,000, and you must maintain at least $0.01 to earn interest.LendingClub’s LevelUp Savings account currently offers 4.50% APY with no minimum balance required. But in order to earn the highest advertised rate, you must deposit at least $250 to the account monthly. If you miss a month, your balance will earn 3.50% APY instead.There are no monthly fees associated with this savings account. Interest is compounded daily and credited monthly.Read our full review of LendingClub BankThe Premier Online Savings Account from Poppy Bank offers a competitive 4.50% APY. This rate only applies to accounts opened online, and a minimum balance of $1,000 must be maintained to obtain the advertised rate.7. Bread Savings High-Yield Savings Account: 4.40% APYBread Savings’ High-yield Savings Account offers 4.40% APY with no monthly fees. You must deposit a minimum of $100 to open an account.