We may earn a commission when you buy through links on this page. It doesn't change what we recommend.
Every month we take the high-yield savings accounts in our tracker, each rate read from the bank's own website, and look at how the rates moved.
As of Oct 31, 2026, the median annual percentage yield (APY) among the 13 accounts in our high-yield savings tracker was 3.50%. The highest was 4.20%, at Happen Bank LevelUp Savings (formerly LendingClub), as listed on the bank’s own page on Oct 31, 2026.
The national average for savings accounts was 0.38%, according to the FDIC’s national rates, so the median account in the index paid about 9 times as much.
How rates moved
Our rate history starts on Oct 12, 2026, so there are no figures from a month ago, three months ago and a year ago yet. Those comparisons will be added once the history is long enough.
Since our first snapshot on Oct 12, 2026, the median is unchanged (from 3.50%) and the top rate is unchanged (from 4.20%).
Source: The Jolt Journal high-yield savings tracker; rates from each bank's own website. The chart (PNG) · The chart (SVG)
Show the numbers
| Date | Top APY | Median APY |
|---|---|---|
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% | |
| 4.20% | 3.50% |
Biggest movers
2 of the 13 accounts changed their rate between Oct 12, 2026 and Oct 31, 2026. The biggest moves:
- Openbank High Yield Savings: 3.80% to 4.00% (up 0.20 percentage points)
- Ally Savings Account: 3.10% to 3.20% (up 0.10 percentage points)
Every account in the index
| Bank | APY Oct 31, 2026 | APY Oct 12, 2026 | Change (points) | Rate checked on |
|---|---|---|---|---|
| Happen Bank LevelUp Savings (formerly LendingClub) | 4.20% | 4.20% | 0.00 | Oct 31, 2026 |
| Openbank High Yield Savings | 4.00% | 3.80% | +0.20 | Oct 31, 2026 |
| Bask Bank Interest Savings | 3.90% | 3.90% | 0.00 | Oct 31, 2026 |
| Axos Summit Savings | 3.75% | 3.75% | 0.00 | Oct 31, 2026 |
| Synchrony High Yield Savings | 3.55% | 3.55% | 0.00 | Oct 12, 2026 |
| Wealthfront Cash Account | 3.55% | 3.55% | 0.00 | Oct 31, 2026 |
| Marcus by Goldman Sachs Online Savings | 3.50% | 3.50% | 0.00 | Oct 12, 2026 |
| SoFi Savings | 3.30% | 3.30% | 0.00 | Oct 31, 2026 |
| UFB Portfolio Savings | 3.26% | 3.26% | 0.00 | Oct 31, 2026 |
| Ally Savings Account | 3.20% | 3.10% | +0.10 | Oct 31, 2026 |
| Barclays Online Savings | 3.20% | 3.20% | 0.00 | Oct 12, 2026 |
| American Express High Yield Savings | 3.10% | 3.10% | 0.00 | Oct 12, 2026 |
| Capital One 360 Performance Savings | 3.10% | 3.10% | 0.00 | Oct 12, 2026 |
How the index works
The index covers the high-yield savings accounts in our high-yield savings tracker. Each rate is copied from the bank's own website on the date in the table, and each bank's name above links to the page it came from. The median is the middle rate when the accounts are put in order from highest to lowest; the top rate is the highest. Figures are from our snapshot of Oct 31, 2026. Savings rates are variable and banks can change them at any time.
