US dollar savings accounts offer competitive yields thanks to the Federal Reserve's interest rate policy. APYData compares the best High Yield Savings Accounts (HYSAs) available in the US, all protected by FDIC up to $250,000 per depositor. Note that these accounts generally require US residency — see the FAQ for alternatives for non-US residents.
| # | Entity | Product | APY | Score | Risk | Liquidity | View |
|---|---|---|---|---|---|---|---|
| 1 |
SoFi
|
SoFi — Savings Account (US) | 4.00% | 8.1 | Low | Instant | View → |
| 2 |
Marcus by Goldman Sachs
|
Marcus — High Yield Online Savings (US) | 3.90% | 8.1 | Low | Instant | View → |
| 3 |
Ally Bank
|
Ally Bank — High Yield Savings (US) | 3.80% | 8.1 | Low | Instant | View → |
| 4 |
Discover Bank
|
Discover — Online Savings Account (US) | 3.75% | 8.1 | Low | Instant | View → |
The dollar is the world's reserve currency, and its interest rates are the most closely watched on the planet. In 2026, the best USD savings accounts offer between 3.75% and 5.37% — significantly more than their euro equivalents — but with important nuances regarding who can access them and what risks the exchange rate entails.
American online banks (Ally, Marcus by Goldman Sachs, SoFi, Discover) offer accounts with 3.75-4.00% APY, covered by the FDIC up to $250,000 per account holder. They are the safest product in dollars. The limitation: they generally require US residency and a US Social Security number.
Freedom24 (regulated in the EU, CySEC license) offers 5.37% on USD cash — one of the highest rates available from Europe without US residency. The guarantee fund is the Cypriot ICF (€20,000), which is different from the FDIC, meaning a different risk profile than that of a US bank.
If you are a resident of the eurozone and have savings in USD, the EUR/USD movement directly affects your real return in euros. A 4% return in USD can become 1% or 7% in euros depending on the exchange rate. The EUR/USD pair has fluctuated between 0.95 and 1.25 over the last five years. Save in USD if you have income or expenses in dollars, or if you are deliberately seeking currency diversification.
Dollar rates remain higher than European rates because the Fed kept rates higher for longer than the ECB. The difference is real but is gradually narrowing. Before betting on USD solely for nominal returns, make sure you are comfortable with the currency exposure this entails.
Receive an email when a product exceeds your target APY. No ads, no spam — just data.