One of the difficult things is to find the best high yield savings rate. This is too complicated because the rate can be changed frequently; it depends on the economy status. If the economy rates can change day by day means then how does one can find the best rate? No one knows which is best rate? Through lots of research we can find the secure way to keep good interest, this is the best way to find high savings rate. Regularly watching the rates and updating up with the latest or ongoing trends will use to make one step ahead in the share market. We must know the knowledge about changing rates in frequently for financial institutions also have to concentrate in the online financial markets. Nowadays high yield savings accounts are growing very fast as well as with popularity because this type of accounts offers higher annual income more than the other common savings accounts. The highlighted cause from this type of account is long term investments. Lot of times the institution have different requirements on the particular account. Alternately we have to deposit the minimum amount to open a new account. We have to maintain minimum balance in our account when the account opened date, and also it has some limit transaction, because the bank want to stays some money in our account. We have to do little bit research and some comparison among all the accounts before we are going to open new high yield account. We always consider one thing that is, how available our money is in our account and how easy it is to withdraw if we needed. The private institutions have own restrictions and account transaction limitations. We have to make sure our self to do shopping in online banks and also mortar as well as literal brick. If we shop both online and normal markets then we have realized the difference on the rate between online and normal, because every product there is some bit different between the both shopping's. By sometimes the most of an on line institution charged higher interest rates, because they all don't have some added overhead that the particular bank on the corner has to deal with the customer. Whatever can be happened, we must do our research. If we do research often among lot of institutions regarding both on line and off line then it will help to get the information about which is the best high yield savings rate, and which is one is suitable to us. Finally we should be smart shopper; it is the important one before we have to make any final choice.