Many banks have high-yield savings accounts, but I think they use them to attract customers, so they don't automatically put you in them if you don't ask. That

Many banks have high-yield savings accounts, but I think they use them to attract customers, so they don't automatically put you in them if you don't ask. That said, I just looked up wells fargo and I don't see any. Capital One is paying 3.5% right now for "Performance Savings". Note that these rates change in relation to the federal interest rates. You'll sign up for a great rate, and in 3 years it can go back down to a half percent