High-Yield Savings Accounts

High-yield savings accounts are the boring side of personal finance that actually moves the needle. The gap between a 0.5% and a 5% APY on $20,000 is $900 a year — real money for near-zero effort.

This dataset tracks current APYs, minimum balances, monthly fees, and whether the rates are promotional or long-term. Sort by APY, fee structure, or FDIC coverage. Community-ranked because the headline rate isn't the full story — customer service and withdrawal limits matter too.