| Provider | APY (Annual Percentage Yield) | Minimum to Activate | Key Feature | | :--- | :--- | :--- | :--- | | | 4.20% | $0 | No monthly fees, 24/7 support | | Synchrony Bank | 4.75% | $0 | ATM reimbursement | | Capital One 360 | 4.25% | $0 | No minimums, physical branches | | Local Credit Union | 3.00% - 5.00% | $5 - $25 | Often includes bonus for new members |
Yes, opening an active savings account today is not only possible but recommended, especially with current APYs outpacing inflation. Do not wait for a branch to open—use a mobile-first bank. open a active savings account today
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