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Top 10 High Yield Savings Accounts Ranked by APY - January 2023 - Highest Interest Rates ListAnnual Percentage Yield (APY). % APY � Minimum balance. None � Monthly fee. None � Maximum transactions. Up to 6 free withdrawals or transfers. BMO Alto Online Savings is a variable rate account. The interest rate and Annual Percentage Yield (APY) may change at any time after the account is opened. BMO Alto Online Savings Account: BMO Alto offers a high-yield online savings account with % APY � more than 11 times the national average.