Hysa reviews from Reddit
Summary
We analyzed 334 Reddit reviews across 30 subreddits and 79 posts to rank the best Hysa brands recommended by redditors, including communities like r/Banking, r/HighYieldSavings, r/Money, r/HYSA, r/SavingMoney. Top-rated brands include Wealthfront (4.8/5), Marcus by Goldman Sachs (4.5/5), Marcus (4.6/5).
Stats
Reviews334
Subreddits30
Posts79
Brands78
Products33
334 reviews from
and
By Brand
/By Product
#1
Wealthfront
4.8
(80)
"Wealthfront is 4% but 0.5% for you and each person you get to make an account and deposit for 3 months."
"Wealthfront still offering 4.0% interest, but you can get 4.50% using referral links!"
"Really been liking Wealthfront. The base APY is 4.0% but can be increased to 4.50%. Sign up using my referral link to get the additional 0.50% boost!"
"I am loving my Wealthfront HYSA! Use this link to open a Wealthfront Cash Account. Once you fund it, you'll get a 0.50% APY boost!"
"Wealthfront refer link to get 4.50% Use this link to open a Wealthfront Cash Account. Once you fund it, you'll get a 0.50% APY boost!"
"Wealthfront has a cash account with 4.00% HYSA and if you use the referral code you get an extra .50%. Total of 4.50%. I have been using them for over 5 years now."
"I use Wealthfront and I love it so far. I chose it because it came so highly recommended on reddit, it’s currently 4.0% APY but with a referral code it’s 4.5%"
"Im using wealthfront. Here’s my referral link for an extra boost: Use this link to sign up for a Wealthfront Cash Account and we’ll both get +0.50% on the current APY!"
"Wealthfront! It’s currently 4% APY and If you use my link you get a .5 percent boost Use this link to open a Wealthfront Cash Account."
"I have been using them for over 5 years now."
#2
Marcus by Goldman Sachs
4.5
(28)
"Incase anyone is looking for a referral for Marcus! Use mine and help us both out!"
"Anyone needing a referral, here is mine! Thanks in advance!"
"I use Goldman Sachs Marcus HYSA it’s 3.9% and no fees"
"I've used Marcus for the past year. With their 3 month referral bonus you get 4.9% APY (3.9% at base). The app is pretty easy to use."
"I’ve been using Marcus by Goldman Sachs for over 2 years now, and I love it!"
"+1 for Marcus HYSA. I’ve had a really great experience using them."
"Marcus is super easy to use, just got mine recently & am very happy with the ease of the app!!"
"I like my Marcus by Goldman Sachs."
"I’ve been using Marcus HYSA for a year and it’s been great."
"I’ve been loving Marcus. Super easy to use"
#3
Marcus
4.6
(26)
"I personally use Marcus by Goldman Sachs, they are FDIC insured and has a good track record."
"I continue to recommend Marcus by Goldman Sachs. No fees or minimums and it is FDIC insured."
"For a reliable and high-earning HYSA, I’d recommend Marcus by Goldman Sachs. It offers a 4.9% APY."
"I use Marcus!! The app is easy to use, money is easy to transfer!!!"
"I’ve been using Marcus by Goldman Sachs for over 2 years now, and I love it!"
"I've been loving Public. 4.1% APY on their HYSA currently."
"Marcus, part of Goldman Sachs, which ranks as one of the top 10 largest banks in the U.S., is highly safe and FDIC-insured."
"Marcus from Goldman Sachs."
"Marcus is great and they keep up with rates, I can send a referral and you can get an extra 1% for 3 months."
"The ones I see recommended most of the time are Marcus, Wealthfront, Discover, Ally, and Amex for their customer service and ease of access."
#4
Ally
4.2
(27)
"I second Ally. Love it so much. Especially the buckets :D"
"I’ve been with Ally for over a decade and have never had any issues with them."
"I've had Ally accounts for years with zero problems."
"I like Ally the best because of the bucket feature."
"Ally Bank has a solid HYSA with good rates! Highly recommend."
"Ally’s HYSA is also a good choice with around 4-5% APY."
"Personally I use Ally. I find their website to be good for everything I need."
"I like Ally bank, have had 0 issues with them."
"Ally Discover, or Synchrony give 4% with no fees."
"I use Ally. There are other options out there that have slightly higher APY, but I just like Ally. They have a buckets feature so you can set goals that I like using."
#5
Capital One
4.0
(23)
"Capital One has competitive rates, and the UI is pretty accessible."
"Cap1 has a great HYSA, and it is convenient to have everything in one spot."
"They are at 3.7% APY, they are still pretty good."
"Capital One and AmEx are pretty good at 3.7% APY. I know it’s not the highest rate, but both are pretty secure, and they have no minimums or fees."
"Look into a HYSA with rates around at least 3.5-5% APY. The ones with smaller rates are Capital One and AmEx, I guess somewhere around 3.8%."
"3.80% with trusted Capital one!"
"Capital One is around 3.80% with no minimum balance."
"I started capitol one hys it dropped to 3.80 but it's been nice to collect some interest."
"Right now, Capital One offers 3.80% APY, and Marcus is at 3.90%."
"Capital One has a 3.80% APY, and AmEx offers 3.90%."
#6
SoFi
4.0
(19)
"SoFi is great. They have good rate too and can get upto $325 for opening an account with a referral and direct deposit."
"I have a SoFi savings account that has 4.6% APY."
"Sofi which has 3.8% on Primary Savings (with Direct Deposit)"
"I have one with Sofi and it's been good. 3.8% currently, but obviously subject to change. Decent app and easy to transfer money to/from external accounts."
"Sofi was 5% when I opened my account there, now it's 3.8 and it could still change anytime."
"I'd use the SoFi option."
"I've been using Sofi for 3 years now. Currently at 3.8% APY... no minimums/fees and it's FDIC insured."
"Sofi offers 4% APY and up to $325 cash bonus if you sign up with my referral."
"Still offers 4% APY after fed cuts and up to $325 cash bonus."
"SoFi is solid, but I totally get being weirded out by the debit card thing."
#7
CIT Bank
4.2
(13)
"CIT Bank. ~5%."
"The best HYSA rates currently are around 5-5.25% APY, examples are: Jenius Bank, CIT Bank, and UFB Direct."
"I have AMEX at 3.7 and now CIT at 4.2."
"Fidelity for brokerage and CIT Bank for hysa."
"I also have a hysa with cit bank at 4.28% I think now"
"I’m using CIT bank right now. 4.21% currently."
"CIT Bank 4.25 -4.50."
"I have been happy w CIT - especially their easy no fee wire transfer feature."
"For HYSA, I have used several, currently CIT."
"Nobody talks about CIT BANK being at 4.87% and sometimes 5%."
#8
American Express
4.2
(10)
"I have Amex HYSA and Amex Rewards Checking. Highly recommend both because then your day-to-day checking can earn 1% too"
"This. Plus you can pay bills with it. A lot of HYSAs you cant do that. It also pairs well with the Plat."
"There’s also a feature to express transfer back to your checking in case you need to tap into it for emergencies."
"I would recommend putting most but not all in there. We needed to access our HYSA once and it took 3 ish days to get the money over."
"Amex. Mine's low on the take, about 3-4% right now."
"I have used both Ally and AMEX. Neither have done me wrong, I prefer AMEX due to their customer service."
"I’m on AMEX. It was at 5 once, it’s high 3 low 4 as of late."
"I already had an AMEX account with a platinum card so it was a no brainer to accept their offer of a HYSA with 4.25 percent interest."
"I love my American Express hysa. It is currently 4.25 but fluctuates with the market."
"Sadly my APY went down from 4.5 to 4.0 ;("
#9
Discover
4.0
(6)
"I have HYSA with Discover and with Marcus."
"Discover is my favorite. It just works."
"I use Discover bank mainly due to the bonus avl when I opened in 2018."
"Discover or Amex. Wanting a single bank requires slightly lower rates."
"Discover has a simple online savings account with 4.25%."
"Discover it fine. They have great customer service."
#10
Betterment
4.4
(5)
"I just opened a betterment HYSA at 5% and if I refer someone I get another .5% for 3 months."
"Betterment. 5.5% new customer."
"They're offering a higher interest rate and have the ability to categorize your savings buckets."
"I use Betterment!"
"I heard Betterment is decent."
#11
Jenius Bank
5.0
(4)
"Jenius bank 5.25."
"The best HYSA rates currently are around 5-5.25% APY, examples are: Jenius Bank, CIT Bank, and UFB Direct."
"Jenius Bank offers 5.25%. It’s not a promo and no minimums."
"Jenius banking 5.25apy!"
#12
Jenius
4.8
(4)
"I use Jenius and Wealthfront. 5% and 4.5% (since the recent 0.5% drop). Customer service has been great with both."
"Jenius 5.25%... not a problem one!"
"Jenius is currently at 5.25%."
"Started using them and it’s pretty seamless."
#13
CIT
4.5
(4)
"They’ve got the best rate out of the three right now, 4.30%... Would highly recommend"
"I have used CIT for 2 years and never had any issues with them."
"I have found CIT the most convenient and non-sketchy."
"Anyone deal with CIT? They are at 5% with a 5K min balance."
#14
Pibank
5.0
(3)
"PiBank. Currently 5%."
"PIBANK!! Just came out in the market. Meets all the requirements here but also 5.5% APY!!"
"Pibank has all these benefits but also provides 5.5% APY."
#15
Western Alliance
5.0
(3)
"I've been with Western Alliance for about 6 months and have been very pleased so far."
"Western Alliance's 5.31% sounds solid."
"Standard online HYSA. They are also my mortgage holder and have been great so far."
#16
Laurel Road
4.7
(3)
"I’ve heard good things about Laurel Road. As of now the rate is 5.15%."
"Laurel road gives over 5 percent."
"It just bumped up to 5.15% a couple weeks ago."
#17
EverBank
4.0
(3)
"Their rates are competitive."
"I switched from Wealthfront to EverBank a few months ago and don’t have any complaints."
"EverBank has 4.5%."
#18
Local Credit Union
5.0
(2)
"I have one with my local credit union- 4.7%."
"My local credit union does 5.25%."
#19
HYSA
4.5
(2)
"We’re going to use the HYSA as a vehicle because it’s safe and easily accessible."
"Go with HYSA. You can withdraw anytime without penalties."
#20
Bread
4.5
(2)
"Bread for my emergency fund at 4.3%"
"Still getting 4.64% at Bread."
#21
Bask Bank
4.5
(2)
"Bask Bank 4.4%."
"4.35% currently."
#22
Synchrony
4.5
(2)
"Just saw Synchrony is paying 5.75% APY."
"Ally Discover, or Synchrony give 4% with no fees."
#23
UFB Direct
4.5
(2)
"The best HYSA rates currently are around 5-5.25% APY, examples are: Jenius Bank, CIT Bank, and UFB Direct."
"Ufb direct for me."
#24
Vanguard
4.5
(2)
"If you put cash in with Vanguard, their money market account pays 5% interest."
"Zero risk and is currently 5.4%."
#25
LendingClub
4.5
(2)
"Happily settled on lendingclub levelup hysa. It has a 4.75% apy as long as you deposit at least $250 per month"
"4.5%APY HYSA w/ $250/mo auto deposit."
#26
Amex
4.0
(2)
"I have a hysa through Amex as well, I enjoy it. I have their credit cards. Not as high of a rate as other banks but they are reliable for me."
"Capital One and AmEx are pretty good at 3.7% APY. I know it’s not the highest rate, but both are pretty secure, and they have no minimums or fees."
#27
Robinhood
4.0
(2)
"I use Robinhood for 4.5% but I pay $50 a year for Robinhood Gold."
"I have mine in Robinhood lol."
#28
Fidelity
4.0
(2)
"I do use the MONEY MARKET FUND like fidelity which works similar to an HYSA but better since they don’t put restrictions on withdrawals like other savings accounts do"
"Automatically puts your money into a money market. Don't do anything and you make near 5% right now."
#29
Trading 212
4.0
(2)
"I am using Trading 212 account interest (currently 5.1% but not in a bank and via money markets so there is some risk)"
"Trading 212 Cash ISA is what I use, 5% tax free only drawdown takes around 1/2 days to take money out if needed"
#30
Meriwest
5.0
(1)
"My Meriwest was 5% with all the perks of a real branch."
#31
Poppy
5.0
(1)
"Few months ago I got Poppy. Their website is super easy and I have zero complaints."
#32
Roger.bank
5.0
(1)
"Roger.bank 5% savings and 2% checking."
#33
Ownbank
5.0
(1)
"Highest rate right now is Ownbank at 6%."
#34
VIO Bank
5.0
(1)
"I'm with VIO bank which is currently 4.90%."
#35
Pibank USA
5.0
(1)
"Pibank USA is still over 5%."
#36
Brio Direct
5.0
(1)
"Brio Direct is 5.30%, and it's owned by Webster Bank so it's not sus."
#37
Moomoo
5.0
(1)
"Moomoo. They have a 8.1%apy with a referral."
#38
Ally, Discover
5.0
(1)
"I'd recommend picking a trustworthy account like Ally, Discover."
#39
Ally Bank, Marcus
5.0
(1)
"Ally Bank and Marcus by Goldman Sachs are popular choices due to their competitive rates."
#40
Discover, Ally, Capital One, Marcus
5.0
(1)
"For other options, there's Discover, Ally, Capital One, Marcus, etc."
#41
Flagstar
5.0
(1)
"Flagstar pays 5.55%."
#42
PayPal, Capital One
5.0
(1)
"PayPal or Capital One."
#43
Ally Bank, Discover, CapitalOne, Sofi
5.0
(1)
"I like the following: * Ally Bank * Discover Bank * CapitalOne * Sofi."
#44
Edward Jones
5.0
(1)
"Edward Jones money market pays 5%."
#45
Zynlo Bank
5.0
(1)
"Zynlo Bank has a 5% apy savings account."
#46
Parkfunds
5.0
(1)
"Best ones are the ones offered by Parkfunds up to 14% last time i checked."
#47
Citi Savings, Marcus Goldman Sachs, Ally
5.0
(1)
"We use Citi Savings, Marcus Goldman Sachs, and Ally. All amazing."
#48
WS Cash
5.0
(1)
"WS Cash has one of the best non-promotional interest rates available."
#49
Briodirect
5.0
(1)
"[https://www.briodirectbanking.com/] is still at 5.35%."
#50
Raisin
5.0
(1)
"Raisin is the best because it gives you access to a marketplace filled with HYSA with the highest rates"
#51
Langly Federal Credit Union
5.0
(1)
"I strongly recommend Langly Federal Credit Union! They're a proper brick and mortar credit union offering 5% APR which I found surprising!"
#52
Various Online Banks
4.0
(1)
"There are so many online HYSAs that offer rates around 4-5% APY."
#53
Barclays
4.0
(1)
"Barclays is giving me 4.35%."
#54
GoTyme
4.0
(1)
"OKS NA RIN IHIWAL MO ACROSS MULTIPLE HYSA."
#55
Capital One 360
4.0
(1)
"Check out Capital One 360. They let you open a joint HYSA with a parent."
#56
Lending Club
4.0
(1)
"[www.lendingclub.com](http://www.lendingclub.com) is where I have my HYSA."
#57
BMO Alto
4.0
(1)
"I'm currently very pleased with my BMO Alto savings. It's meant for stashing."
#58
Live Oak
4.0
(1)
"Live Oak is currently at 4.4% APY, right? Which is still pretty good."
#59
Citizen's Access
4.0
(1)
"Citizen's Access 4.5%."
#60
SWVXX
4.0
(1)
"If you are willing to go with a MMF vs. HYSA SWVXX has a 7d yield of 5.14%."
#61
Local Credit Unions
4.0
(1)
"Check your local credit unions. I’m getting 5%, FDIC insured."
#62
Citizens
4.0
(1)
"I like citizens."
#63
USFR
4.0
(1)
"As of right now, USFR and TFLO are still yielding 5.3% or so."
#64
AMEX
4.0
(1)
"Currently using AMEX. 4.25% rate with no minimum deposit or fees."
#65
Upgrade Bank
4.0
(1)
"I am earning 5.21% at Upgrade Bank."
#66
Capital One, Discover
4.0
(1)
"Some accounts don’t have these restrictions, so it’s worth checking."
#67
Discover, Ally
4.0
(1)
"The ones I recommend are Discover and Ally."
#68
MyBankingDirect
4.0
(1)
"MyBankingDirect (division of Flagstar) has been working for me."
#69
Charles Schwab
4.0
(1)
"You could put it in Charles Scwab, they have a HYSA."
#70
Synchrony Bank
4.0
(1)
"Synchrony Bank has an APY of 4.35%."
#71
Banktruth.org
4.0
(1)
"Any FDIC-insured HYSA is generally safe, and most are sitting at around 3.6% to 4% right now. The rates shift with the market though, so it’s never really set in stone."
#72
BankTruth
4.0
(1)
"BankTruth is a well-known resource for comparing banks and their offerings. They frequently publish tier lists and rankings based on factors like APY, fees, accessibility, and customer service."
#73
Bankmindful
4.0
(1)
"It shows top HYSA rates: https://www.bankmindful.com/savings.php"
#74
Newtek
4.0
(1)
"I’ve been using Newtek for about a year now. Their rates have always been among the most competitive."
#75
Vio Bank
4.0
(1)
"I have Vio Bank hysa that is 4.36 percent"
#76
Better
4.0
(1)
"Better has come up a few times on this sub in the past month for having the best HYSA rates currently."
#77
High Yield Savings Account
4.0
(1)
"Ally, Marcus, or Discover are commonly recommended"
#78
Wells Fargo
3.0
(1)
"Wells Fargo offers platinum saving account, and currently rate is 4.65% if the balance is over $10."
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