High-yield cash comparison
Compare savings and cash-management offers beyond the headline rate.
This page compares selected Financial Bonuses high-yield cash offers using objective catalog facts from current offers and dated provider-source checks. It is not a complete market ranking, and it does not mean any provider sponsors or endorses Financial Bonuses.
What this comparison checks
High-yield savings products can look similar when only the APY is shown. The practical fit can change once you compare bonus rules, balance tiers, monthly fees, access limits, direct-deposit requirements, and provider structure.
Comparison by source date
| Offer | Type | Rate or bonus detail | Requirement to note | Monthly fee | Access and structure note | Reviewed |
|---|---|---|---|---|---|---|
| Barclays Select Savings Bonus | High-yield savings | $400 bonus plus 4.00% APY effective September 3, 2026; Barclays says the rate is variable, so verify the live rate directly. | Open by October 31, 2026, deposit at least $40,000 within 30 days, and maintain at least $40,000 for 120 consecutive days. | $0 monthly maintenance fee listed. | AARP Digital Banking from Barclays; APY is variable and should be verified directly; Barclays Bank Delaware is Member FDIC. | 2026-09-08 |
| Happen Bank LevelUp Savings | High-yield savings | 4.00% LevelUp APY or 3.00% standard APY, effective September 3, 2026; rates are variable. | Deposit at least $250 during the previous statement cycle to receive the LevelUp rate in the next cycle. | $0 monthly maintenance fee. | $0 opening minimum; accounts begin at the LevelUp rate until the first evaluation period. | 2026-09-08 |
| TAB Save High Yield Savings | High-yield savings | 3.61% APY effective September 8, 2026; TAB says the rate is variable. | $0 to open and $0.01 minimum balance to obtain the disclosed APY. | $0 monthly maintenance fee; separate service fees can apply. | Interest compounds daily and is credited monthly; the disclosure lists a six-transfer monthly limit. | 2026-09-08 |
| E*TRADE Premium Savings Promo | High-yield savings | 4.00% promotional APY for six months from account opening on eligible new-account balances up to $10 million, then the variable standard APY. | Enroll by 8:45 p.m. ET on September 30, 2026 to seek both benefits; the separate $400 bonus requires $20,000 of qualifying net-new funds and maintenance, with a cash-only opening cutoff of 11:59 p.m. ET. | $0 monthly account fee. | Accounts not funded within 90 days may close. The cash bonus requires a 45-day maintenance period after the 30-day funding period; customers may receive at most two Premium Savings cash offers in their lifetime. | 2026-09-08 |
| SoFi Checking and Savings | Checking and savings bundle | Checking 0.50% APY; Savings 3.10% with eligible direct deposit or $5,000 in qualifying deposits per rolling 31 days, otherwise 0.80%. Eligible new members can receive a 0.90 percentage-point boost, up to 4.00%, for up to six months. | The separate opening bonus pays $50 at $1,000-$4,999.99 or $400 at $5,000+ of eligible direct deposits during the 25-day measurement period. | $0 core monthly fee; optional SoFi Plus costs $10 monthly. Wire, instant-withdrawal, remittance, cash-deposit, and third-party ATM fees can apply. | The boost applies to eligible first accounts opened from September 3, 2026 at 3 p.m. ET through December 31, 2026, with qualifying activity within 60 days and every 31 days afterward. SoFi Plus tiers are separate and do not stack on balances earning 4.50%; deposit definitions and ownership tiers matter. | 2026-09-08 |
| Betterment Cash Reserve APY Boost | Cash reserve | Standard Cash Reserve APY plus a 0.75 percentage-point boost through January 15, 2027. | New Betterment clients must deposit at least $10 into an eligible Cash Reserve account, allowing the deposit to settle during the promotional period. | $0 monthly fee. | Cash Reserve uses program banks and is distinct from invested cash. Interest is paid monthly; the standard APY is variable and the boost applies to up to $1 million per eligible account. | 2026-09-08 |
This table uses current Financial Bonuses catalog facts as of the row-specific dates shown and linked provider pages. It does not include every high-yield savings or cash-management product in the market.
How to use the table
- Check whether the offer is for a bank deposit account or a cash-management/sweep product.
- Compare the minimum balance or deposit behavior, not only the advertised APY.
- Review whether the account has monthly fees, ATM access, checking features, or online-only limitations.
- Confirm the current APY, bonus terms, tax treatment, and insurance structure directly with the provider before opening.
References used for this comparison guide
Last checked: September 8, 2026. Rates and eligibility can change; confirm provider terms before opening.
- Barclays: Select Savings
- Happen Bank: LevelUp Savings
- TAB Bank: TAB Save High Yield Savings
- E*TRADE: Premium Savings promotion
- SoFi: Checking and Savings offer
- SoFi: new-member APY boost terms
- SoFi: banking rate sheet
- SoFi: Plus subscription and tier terms
- Betterment: 0.75% Cash Reserve boost terms
- CFPB: Regulation DD, Truth in Savings
- CFPB: Annual Percentage Yield calculation
- FDIC: Deposit Accounts
Related next steps
Financial Bonuses may earn compensation from some partner links. The high-yield cash offers on this page currently use official provider or offer-detail links, not Barclays affiliate links.