Top 10 High-Yield Savings Accounts in the US (2025)
Are you tired of earning close to nothing on your savings? You’re not alone. In 2025, high-yield savings accounts (HYSAs) are more popular than ever, offering interest rates 10x higher than traditional banks — and often with no monthly fees.
Whether you’re saving for a rainy day or building your emergency fund, this guide breaks down the top 10 high-yield savings accounts in the US based on APY, fees, customer service, and accessibility.
What Is a High-Yield Savings Account?
A high-yield savings account is a bank account that pays significantly more interest than the national average. While most traditional banks offer around 0.01% APY, many online banks now offer 4.00% or higher.
These accounts are:
- FDIC-insured (up to $250,000)
- Great for short- and mid-term savings goals
- Mostly accessible online or through mobile apps
Benefits of High-Yield Savings Accounts
Before we dive into the list, here are a few reasons why switching to an HYSA makes sense:
- Higher returns: Grow your savings faster with compound interest.
- No fees: Many HYSAs are free from maintenance or withdrawal fees.
- Accessibility: Easy to manage via mobile apps.
- Security: Federally insured up to $250,000.
Top 10 High-Yield Savings Accounts in the US (Updated for 2025)
Below is our curated list of the best high-yield savings accounts currently available to US customers:
1. UFB Direct – Preferred Savings
- APY: 5.25%
- Minimum Balance: $0
- Monthly Fees: $0
- Why It Stands Out: One of the highest APYs on the market, no strings attached.
2. SoFi High-Yield Savings
- APY: 4.60% with direct deposit
- Minimum Balance: $0
- Monthly Fees: None
- Perks: SoFi members get access to financial planning tools and cash back offers.
3. Synchrony High-Yield Savings
- APY: 4.75%
- Minimum Balance: $0
- Monthly Fees: None
- Extras: Optional ATM card, 24/7 customer support.
4. Marcus by Goldman Sachs
- APY: 4.40%
- Minimum Balance: $0
- Monthly Fees: $0
- Why Choose It: Backed by a trusted financial institution, with strong customer reviews.
5. American Express® High Yield Savings
- APY: 4.25%
- Minimum Balance: None
- Monthly Fees: $0
- Best For: Simplicity and reliability from a known brand.
6. Ally Bank Online Savings Account
- APY: 4.35%
- Minimum Balance: $0
- Monthly Fees: $0
- Top Feature: “Buckets” system to organize savings goals.
7. Discover® Online Savings Account
- APY: 4.30%
- Minimum Balance: $0
- Monthly Fees: $0
- Added Value: 24/7 customer service, no overdraft fees.
8. Barclays Online Savings
- APY: 4.35%
- Minimum Balance: $0
- Monthly Fees: $0
- Drawback: No mobile check deposit.
9. Capital One 360 Performance Savings
- APY: 4.30%
- Minimum Balance: $0
- Monthly Fees: $0
- Strength: Strong mobile app and easy linking with checking accounts.
10. CIT Bank Savings Connect
- APY: 4.65%
- Minimum Balance: $100
- Monthly Fees: None
- Why It’s Unique: Competitive APY with solid app support.
How to Choose the Right HYSA for You
When picking a savings account, ask yourself:
- Is the APY competitive?
- Are there hidden fees or balance requirements?
- Is mobile/online access important to me?
- Do I need ATM access or a checking account link?
Always compare at least 3-4 options before opening an account.
Conclusion
Choosing the right high-yield savings account in 2025 can significantly boost your financial growth with minimal effort and zero risk. Whether you’re saving for an emergency, a vacation, or your next big purchase, these accounts offer competitive APYs, low (or no) fees, and the convenience of online access.
With so many strong options available — from SoFi to Marcus to UFB Direct — there’s truly no reason to stick with a traditional savings account that offers little to no return. Take the next step and open a high-yield savings account that aligns with your financial goals.
Remember: the sooner you start, the more interest you’ll earn. Your future self will thank you.
