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% | $2,625 | $8,296 | $14,577 | $33,405 | Open Account |
| 2 | Bread Savings | 5.15% | $2,575 | $8,130 | $14,271 | $32,616 | Open Account |
| 3 | Wealthfront Cash | 5.00% | $2,500 | $7,881 | $13,814 | $31,445 | Open Account |
| 4 | LendingClub | 5.00% | $2,500 | $7,881 | $13,814 | $31,445 | Open Account |
| 5 | CIT Bank | 4.85% | $2,425 | $7,634 | $13,360 | $30,289 | Open Account |
| 6 | Bask Bank | 4.85% | $2,425 | $7,634 | $13,360 | $30,289 | Open Account |
| 7 | Betterment Cash Reserve | 4.75% | $2,375 | $7,469 | $13,058 | $29,526 | Open Account |
| 8 | Synchrony Bank | 4.75% | $2,375 | $7,469 | $13,058 | $29,526 | Open Account |
| 9 | SoFi Savings | 4.50% | $2,250 | $7,058 | $12,309 | $27,648 | Open Account |
| 10 | Marcus by Goldman Sachs | 4.40% | $2,200 | $6,895 | $12,012 | $26,909 | Open Account |
| 11 | American Express HYSA | 4.35% | $2,175 | $6,813 | $11,863 | $26,541 | Open Account |
| 12 | Barclays Online | 4.35% | $2,175 | $6,813 | $11,863 | $26,541 | Open Account |
| 13 | Discover Online Savings | 4.30% | $2,150 | $6,731 | $11,715 | $26,175 | Open Account |
| 14 | Ally Bank | 4.25% | $2,125 | $6,650 | $11,567 | $25,811 | Open Account |
| 15 | Capital One 360 | 4.25% | $2,125 | $6,650 | $11,567 | $25,811 | Open Account |
With a $50,000 deposit in a high-yield savings account at 5.25% APY, you will earn approximately $2,625 in the first year through compound interest. Over 5 years, your $50,000 grows to $64,577, earning $14,577 in interest.
Compare that to a traditional savings account at 0.45% APY, where $50,000 earns just $225 per year. Choosing a HYSA puts an extra $2,400 in your pocket annually.
With a deposit of $50,000, 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 $50,000 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.