Existing customers will earn the standard rate. To be eligible for the APY boost, you cannot have an existing Betterment account. Afterward, you'll earn the standard rate. The APY boost will be applied to your account until December 31, 2023. New customers are eligible for an APY boost of 5.50% APY. The Betterment Cash Reserve Account has the highest rate on our list. High-Yield Savings Account Reviews Betterment Cash Reserve The best online banks also typically offer accounts with minimal bank fees. High-yield savings accounts can typically be found at online banks or credit unions. Although three banks shut down in 2023, keep in mind federal insurance protects up to $250,000 per depositor in the event of a bank failure. Our top picks for savings accounts are available at FDIC or NCUA-insured financial instutions. Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down.
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