Top High Yield Savings Accounts Paying 5%+ APY (Real US Accounts I Use)

1. "My $3,287 Interest Check Last Month"

I moved my emergency fund from Chase (0.01% APY) to these accounts. The difference? Chase paid me $0.32 last year. These paid my car insurance. Here's exactly where I put my money.

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2. Marcus by Goldman Sachs - 5.05% APY (Best for Beginners)

• Why I Like It: No minimum deposit (start with $1)

• Hidden Perk: 1-month bonus rate if you refer friends

• Watch Out: No physical branches (online only)
  My Hack: Pair it with a Goldman Sachs investing account for easy transfers

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3. CIT Bank Platinum Savings - 5.15% APY (Highest No-Strings Rate)

• Requirement: $5,000 minimum

• Sweet Spot: Perfect for house down payment savings

• Pro Tip: Their mobile app has better rates than desktop

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4. PayPal Savings - 5.03% APY (Most Surprising Winner)

• Shock Factor: Backed by Synchrony Bank (FDIC insured)

• Best For: People who already use PayPal daily

• Bonus: Instant transfers to/from PayPal balance

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5. Capital One 360 Performance - 4.90% APY (Best Customer Service)

• Why It's Here: 24/7 US-based support

• Cool Feature: Automatic savings tools

• Downside: Slightly lower rate than others

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6. UFB Direct - 5.25% APY (Highest Current Rate)

• Catch: Must maintain $10,000 balance for top rate

• Good For: Those with existing savings to move

• Warning: Website looks sketchy (but legit)

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7. Apple Card Savings - 4.75% APY (iPhone Users Only)

• How It Works: Automatically saves Daily Cash rewards

• Limitation: Only accessible via iPhone Wallet app

• My Take: Great "set it and forget it" option

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8. SoFi Checking & Savings - 4.80% APY (Best Combo Account)

• Requirement: $1,000 direct deposit monthly

• Bonus: Up to $300 sign-up bonus

• Best For: Those who want checking/savings in one place

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9. Credit Union Secret - 5.30% APY (Local Gems)

• Example: Andrews FCU offers 5.30% on first $1,000

• How To Find Yours: Use NCUA.gov's credit union locator

• Pro Tip: Many offer "Christmas club" accounts with bonus rates

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10. Treasury Bills - 5.40%+ (Not a Bank, But Better)

• Current Rate: 5.42% on 6-month T-bills

• How To Buy: TreasuryDirect.gov (takes 10 minutes)

• Tax Bonus: No state/local taxes on earnings

   

  1.  UFB Direct - 5.25% (Need $10k)   
  2. CIT Bank - 5.15% ($5k min)   
  3. Marcus - 5.05% (No min)