High-Yield Savings Rates Top Five Percent on November 14

High-yield savings rates on Saturday, November 14, 2026, still start with a five. Axos ONE leads the day's list at up to 5.00 percent APY, a rate new customers can earn for their first six months, with terms applying. Behind it, Go2bank pays up to 4.50 percent, Pibank pays 4.40 percent, and CIT Platinum Savings and Western Alliance Bank's high-yield account, offered through Raisin, both reach 4.35 percent. The figures come from the issuing banks and were accurate as of November 13, 2026.

Each top rate has a catch written into it, and the catches differ. Axos's 5.00 percent is an introductory window: six months, new customers, terms apply. Go2bank's 4.50 percent applies to savings vault balances up to $5,000, and only while the linked checking account stays active and in good standing, so money above the cap earns less. Pibank's 4.40 percent is the cleanest offer on the list, with no minimum balance requirement at all. Western Alliance's 4.35 percent, through Raisin, is guaranteed for 90 days from when funds post, with a $1 minimum deposit and eligibility rules applying.

CIT Platinum Savings shows how much fine print a single rate can carry. The headline is up to 4.35 percent APY with the promo code Boost60. Under the promotion, balances of $5,000 or more earn the boosted rate, while balances under $5,000 earn 0.85 percent. The account takes $100 to open and charges no monthly service fees. After the six-month boost ends, the standard tiers take over: 3.75 percent on balances of $5,000 or more and 0.25 percent below that line. A saver who opens the account for the headline number and keeps a small balance in it gets neither the headline nor, later, much of anything.

The math is worth doing in dollars. At 5.00 percent APY, $10,000 earns about $500 over a year if the rate holds for the full year, which an introductory six-month rate by definition doesn't. At 4.40 percent with no minimum and no expiry in the offer terms, the same $10,000 earns about $440 in a year, and it keeps earning it after month six. That's the real comparison on this list: not the biggest number, but the biggest number multiplied by how long it actually applies to your balance.

Two better-known names sit lower and trade rate for simplicity. SoFi Checking and Savings pays up to 4.40 percent for up to six months, built as a 1.10 percent boost on a 3.30 percent base rate, for customers who receive eligible direct deposits or make qualifying deposits of $5,000 every 31 days, with a cash bonus of $50 or $400 for new members who meet the direct deposit terms. American Express's high-yield savings account pays 3.20 percent with no minimum to earn. Neither rate embarrasses itself, but both ask the customer to read the conditions before the rate.

Every rate here is variable and subject to change, and the banks say so in their own terms. That's the standing warning for this category: a high-yield account opened in November can pay a different rate by spring, and the saver's only protection is checking the rate after opening as faithfully as before. With holiday spending underway, the practical move the list supports is narrow and unglamorous. Park the money you aren't spending, in the account whose conditions you actually meet, and don't let a six-month headline talk you into a balance you'll move again in May.