By Ziv Shay | Updated April 2026
At 5.25% APY with UFB Direct. Compare all 15 accounts below.
| # | Bank | APY | 1 Year | 3 Years | 5 Years | 10 Years | Action |
|---|---|---|---|---|---|---|---|
| 1 | UFB Direct | 5.25% | $5,250 | $16,591 | $29,155 | $66,810 | Open Account |
| 2 | Bread Savings | 5.15% | $5,150 | $16,259 | $28,542 | $65,231 | Open Account |
| 3 | Wealthfront Cash | 5.00% | $5,000 | $15,763 | $27,628 | $62,889 | Open Account |
| 4 | LendingClub | 5.00% | $5,000 | $15,763 | $27,628 | $62,889 | Open Account |
| 5 | CIT Bank | 4.85% | $4,850 | $15,267 | $26,719 | $60,577 | Open Account |
| 6 | Bask Bank | 4.85% | $4,850 | $15,267 | $26,719 | $60,577 | Open Account |
| 7 | Betterment Cash Reserve | 4.75% | $4,750 | $14,938 | $26,116 | $59,052 | Open Account |
| 8 | Synchrony Bank | 4.75% | $4,750 | $14,938 | $26,116 | $59,052 | Open Account |
| 9 | SoFi Savings | 4.50% | $4,500 | $14,117 | $24,618 | $55,297 | Open Account |
| 10 | Marcus by Goldman Sachs | 4.40% | $4,400 | $13,789 | $24,023 | $53,817 | Open Account |
| 11 | American Express HYSA | 4.35% | $4,350 | $13,626 | $23,726 | $53,082 | Open Account |
| 12 | Barclays Online | 4.35% | $4,350 | $13,626 | $23,726 | $53,082 | Open Account |
| 13 | Discover Online Savings | 4.30% | $4,300 | $13,463 | $23,430 | $52,350 | Open Account |
| 14 | Ally Bank | 4.25% | $4,250 | $13,300 | $23,135 | $51,621 | Open Account |
| 15 | Capital One 360 | 4.25% | $4,250 | $13,300 | $23,135 | $51,621 | Open Account |
With a $100,000 deposit in a high-yield savings account at 5.25% APY, you will earn approximately $5,250 in the first year through compound interest. Over 5 years, your $100,000 grows to $129,155, earning $29,155 in interest.
Compare that to a traditional savings account at 0.45% APY, where $100,000 earns just $450 per year. Choosing a HYSA puts an extra $4,800 in your pocket annually.
With a deposit of $100,000, consider spreading across multiple institutions if you exceed the $250,000 FDIC insurance limit. Some platforms like Wealthfront offer extended FDIC coverage up to $8 million through partner bank networks.
For a $100,000 deposit, we recommend UFB Direct with its industry-leading 5.25% APY, no minimum deposit, no monthly fees, and FDIC insurance. No minimum balance, competitive rates.