Top 10 Best High-Yield Savings Accounts in the US for 2025

If you’re tired of letting your money sit in your checking account earning next to nothing, the solution may be right in front of you: high-yield savings accounts.

They’re simple to use, secure, and offer much better interest rates than traditional savings accounts. In 2025, with interest rates rising and competition among digital banks fierce, the returns are more attractive than ever.

In this article, you’ll learn about the 10 best high-yield savings accounts in the US for 2025. And best of all, we’ll explain how each one works, their benefits, fees, and how to choose the right one for you.

What is a high-yield savings account?

A High-Yield Savings Account (HYSA) is a savings account that offers a significantly higher interest rate than traditional banks. While the national average yield is around 0.45% APY, a HYSA could offer between 4% and 5% APY by 2025 .

What’s more, most of them don’t charge a maintenance fee, don’t require a minimum balance, and can be opened 100% online.

Advantages of a high-yield savings account

• Above-average yield (up to 10x more than traditional banks)
• Exemption from fees in many cases
• Convenient online and mobile access
• FDIC Insurance up to $250,000
• Ideal for creating an emergency fund or saving for goals

Top 10 High-Yield Savings Accounts in 2025

1. SoFi Bank – 4.60% APY

• No maintenance fee
• Access to the app with personal finance tools
• Competitive performance with easy withdrawal
• Welcome bonus up to $250

Ideal for: those who want to combine savings with financial services in the same app

2. Discover® Online Savings – 4.25% APY

• No monthly fees
• 24-hour customer service
• Solid and trusted brand in the USA

Ideal for: those seeking stability and premium support

3. Marcus by Goldman Sachs – 4.40% APY

• No minimum balance
• Strong name in the financial market
• Intuitive and easy-to-use platform

Best for: Investors already using Goldman products

4. Ally Bank – 4.35% APY

• Free withdrawals at Allpoint ATMs
• Modern interface
• Savings Automation Features

Ideal for: those who value a complete digital experience

5. American Express® High Yield Savings – 4.30% APY

• Amex Brand Security
• Zero hidden fees
• Excellent reputation for customer service

Ideal for: those who want something simple and reliable

6. Capital One 360 Performance Savings – 4.25% APY

• It has physical agencies and digital support
• Integration with other Capital One accounts
• No minimum balance requirement

Ideal for: those who want flexibility between physical and digital

7. CIT Bank Savings Connect – 4.65% APY

• One of the highest rates on the market
• Easy online withdrawals and transfers
• Integration with bank current accounts

Ideal for: those seeking aggressive performance

8. Barclays Online Savings – 4.40% APY

• No hidden fees
• Good reputation in the online sector
• Fast ACH Transfers

Ideal for: those who want simplicity with high performance

9. Synchrony High Yield Savings – 4.50% APY

• Optional debit card
• No maintenance fee
• Free ATM access

Ideal for: those who want to use their savings more flexibly

10. Bread Financial High-Yield Savings – 5.15% APY

• Highest rate on the list (as of July 2025)
• 100% digital
• Agile support via chat

Ideal for: those looking for the highest possible return without bureaucracy

How to choose the best account for you?

1. Financial goal

Are you saving for an emergency? Travel? Long-term savings? Choose accordingly.

2. Access to money

Need immediate liquidity? Choose card accounts or instant transfers.

3. Hidden fees

Check for fees for withdrawals, transfers, or inactive balances.

4. Digital experience

A good app can make all the difference in your financial discipline.

Practical example: how much does R$10,000 yield?

Let’s assume you invest R$10,000 in an account with a 4.50% annual interest rate. At the end of 12 months, your balance would be approximately R$10,450 (without monthly contributions).

If it were in a traditional bank with a 0.45% yield, the return would be only R$10,045.

In other words, you earn 10x more by choosing well.

Final tips to make the most of it

• Schedule automatic monthly deposits
• Use the account exclusively for savings (do not use it on a daily basis)
• Avoid transferring frequently to avoid losing performance.
• Compare the APY every 6 months – it can change with the market
• Use online comparison sites like NerdWallet or Bankrate to monitor the best, up-to-date offers.

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High-yield savings accounts are one of the smartest ways to safely and profitably store money today. In 2025, with options offering over 5% per year , leaving your money in a checking account is practically losing purchasing power.

Now that you know the 10 best savings accounts in the US, you’re ready to make an informed decision and put your money to work for you.