Top 10 High-Yield Savings Accounts (January 2026) | HYSA Ranked by Highest APYs & Interest Rates

Best high yield savings accounts in 2026 ranked by APY. In this video, I rank the top 10 savings accounts by their yield, breaking down which banks are paying the highest interest rates for their HYSA available now in January 2026.

Whether you're building an emergency fund, parking cash, or maximizing interest while rates stay elevated, this list can help you choose the best savings account for your money right now.

0:00 Intro
1:12 Honorable Mentions
14:23 Top 10 List
29:58 Outro


🏦 What’s Covered in This Video:
✔️ Highest APY savings accounts (January 2026)
✔️ APY Movements from Last Month
✔️ Initial Deposit Requirements
✔️ Calculation Examples for Interest Earned
✔️ Daily vs Monthly Interest Compounding
✔️ Fine Print and Stipulations

💡 Why This Matters:
Interest rates change fast — and many banks quietly lower APYs without warning. I constantly track these updates so you know how yields are moving and who's offering the highest.

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⚠️ Disclaimer
Rates are accurate at time of recording on 12/31/2025 but APYs are variable and can change at any time. This video is not financial advice. For educational and entertainment purposes only.

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*Not financial advice. For educational and entertainment purposes only.

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