In today’s economic climate, finding a high-yield savings account (HYSA) is one of the best ways to grow your money while keeping it easily accessible. With interest rates fluctuating, it’s crucial to choose an account that offers competitive returns, low fees, and strong customer service.
Here are the top high-yield savings accounts of 2025, based on APY (Annual Percentage Yield), accessibility, and additional perks.
1. Ally Bank – High-Yield Savings Account
APY: 4.50%
Minimum Deposit: $0
Why We Love It:
No monthly maintenance fees
24/7 customer support
Easy-to-use mobile app with savings buckets
ATM access and Zelle integration
Ally Bank remains a top contender with its consistently high APY and excellent digital banking experience.
2. Marcus by Goldman Sachs – High-Yield Online Savings
APY: 4.60%
Minimum Deposit: $0
Why We Love It:
No fees whatsoever
User-friendly platform
Option to add a CD for higher returns
Strong customer service
Marcus is ideal for savers who want a straightforward, high-interest account with a trusted financial institution.
3. Discover Bank – Online Savings Account
APY: 4.55%
Minimum Deposit: $0
Why We Love It:
No monthly fees
Cashback rewards on checking (when linked)
24/7 U.S.-based customer service
Strong mobile app
Discover combines high yields with excellent customer support, making it a great all-around choice.
4. SoFi – High-Yield Savings
APY: 4.65% (with direct deposit)
Minimum Deposit: $0
Why We Love It:
High APY when you set up direct deposit
No account fees
Early paycheck access
Integrated checking and investing options
SoFi is perfect for those who want a hybrid checking-savings experience with top-tier interest rates.
5. CIT Bank – Platinum Savings
APY: 4.75% (on balances over
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Why We Love It:
One of the highest APYs available
No monthly fees
Strong CD options for long-term savers
CIT Bank is best for savers with larger balances who want to maximize their returns.
6. American Express® High-Yield Savings
APY: 4.50%
Minimum Deposit: $0
Why We Love It:
Trusted brand with excellent security
No fees or minimum balance requirements
Fast and easy transfers
Amex is a reliable choice for those who value security and simplicity.
How to Choose the Best High-Yield Savings Account
When selecting an HYSA, consider:
✅ APY – The higher, the better for earnings.
✅ Fees – Avoid accounts with monthly maintenance fees.
✅ Accessibility – Look for easy transfers, ATM access, and mobile banking.
✅ Customer Service – 24/7 support is a plus.
✅ Minimum Balance Requirements – Some accounts offer higher rates for larger deposits.
Final Thoughts
The best high-yield savings account for you depends on your financial goals. Whether you prioritize the highest APY (CIT Bank, SoFi) or user-friendly features (Ally, Marcus), there’s an option for every saver in 2025.
