High-yield savings accounts with APYs of 3% (or more) UFB DIRECT: 3.83% APY. Minimum deposit: None. ... Bask Bank: 3.6% APY. Minimum deposit: None. ... Upgrade: 3.5% APY. Minimum deposit: None. ... CIT Bank: 3.25% APY. Minimum deposit: $100. ... LendingClub: 3.25% APY. ... Marcus by Goldman Sachs: 3% APY. ... SoFi: 3% APY. ... Discover: 3% APY. More items... Nov 15, 2022