High-yield savings accounts is a safe place to keep any sum of money while earning top interest rates. Online banks and credit unions don't have the expense of maintaining brick-and-mortar branches, so they can offer annual percentage rates of one percent or more. While one percent doesn't sound like much, the national average is .07 percent, and it adds up over time. Choosing a high-yield savings account can make the most of your money, providing financial growth with little to no risk. The three best high-yield savings accounts include Ally Online Savings, Discover Bank, and Alliant Credit Union. Read on to discover what you need to know about the best high-yield savings accounts.