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.

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