Rates last checked: August 19, 2026
A High-Yield Savings Account (HYSA) is one of the safest places to grow your group's pooled savings while you work toward your investment goal. Below is a side-by-side look at popular options so you can pick the account that fits your group best.
APYs and terms change often — always confirm current rates on the bank's site before opening an account. Some links on this page may be affiliate links, meaning PoolUp may earn a small commission at no extra cost to you. This does not influence the accounts we list.
Same rate at every balance level — no tiers or direct-deposit requirement.
One flat rate for all balances; no minimum or direct deposit needed.
Flat rate on all balances; no qualifying activity required.
3.80% APY only with qualifying direct deposit (or $5,000+ in qualifying deposits every 30 days). Without it, savings earns a much lower base rate. A SoFi Plus membership boost is also part of the advertised top rate — most members will not automatically get 3.80%.
Single rate on every balance; no minimums or qualifying activity.
Tiered rate — the 2.00% figure is the top tier. You need a $100 average daily balance and e-statements to earn the posted rate, and lower balances earn less.
