In 2025, high-yield savings accounts remain a powerful tool for growing your money. With competitive interest rates and easy access to your funds, these accounts make saving smarter and more rewarding.
Whether saving for emergencies, a dream vacation, or long-term goals, a high-yield account offers a safe and effective way to earn more.
Here’s a look at 10 of this year’s best high-yield savings accounts and what makes them stand out. Note, however: These offers can change without notice, so check them out before investing.
1. Capital One 360 Performance Savings
Capital One offers a straightforward account with competitive rates, no fees, and no minimum deposit. Its reputation for excellent customer service is a bonus.
Additionally, its mobile app makes managing your savings on the go a breeze.
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2. Ally Bank High-Yield Savings
Ally Bank offers a user-friendly online platform with no maintenance fees, making it a favorite for digital-savvy savers. Its competitive APY and innovative tools, like “buckets” for goal tracking, allow you to organize and prioritize your savings easily.
Whether setting aside funds for an emergency, a vacation, or a big purchase, Ally Bank helps you stay motivated and on track.
Pro tip: Earn as much as possible on your emergency savings. Click here for a list of the top savings accounts in America.
3. Discover Online Savings Account
With no monthly fees and a strong APY, Discover provides an excellent option for savers. Its cashback rewards for debit card purchases add extra value.
This combination of savings and rewards makes it an excellent account for everyday banking needs.
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4. Marcus by Goldman Sachs
Marcus combines simplicity, a strong APY, and no minimum deposit requirements. It’s a great choice for those starting small or looking to grow their savings steadily.
Their easy-to-use app ensures you can track progress and access funds whenever needed.
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5. CIT Bank Savings Connect
CIT Bank rewards savers with a high APY and additional perks for linking accounts.
It’s designed for those who appreciate tiered savings incentives and offers even more significant benefits for maintaining larger balances.
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6. SoFi Checking & Savings
SoFi stands out with its impressive 4% APY and a potential $300 signup bonus for new users. With no account fees and robust financial tools, it’s a top pick for savers.
You’ll also enjoy features like automatic savings options and budgeting tools, which make it easy to stay on track toward your financial goals.
Pro Tip: Earn as much as possible on your emergency savings. For example, SoFi Checking is offering 4% interest, plus a potential $300 signup bonus. (May change without notice.)
7. Vio Bank High Yield Online Savings
Vio Bank is a top contender for savers seeking one of the highest APYs in the market. Its focus on maximizing returns is ideal for dedicated savers serious about growing their money.
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8. American Express® High Yield Savings
Backed by a trusted brand, this account offers a competitive APY with no monthly fees or minimums. It’s perfect for savers seeking reliability and simplicity.
Its strong security features also ensure peace of mind for your hard-earned savings.
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9. Barclays Online Savings
Barclays delivers strong APYs with no hidden fees. Its international presence and history of financial stability make it a solid choice for long-term savers.
The simple, no-frills approach keeps your focus on building your balance.
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10. Synchrony Bank High Yield Savings
Synchrony Bank offers high APYs and perks like ATM access for convenient withdrawals. Its flexibility is ideal for those who want both growth and accessibility.
You can also benefit from Synchrony’s robust customer support team for any banking needs.
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Your Financial Future Starts Now
Saving smarter in 2025 begins with choosing the right high-yield savings account. Each offers unique benefits, such as high APYs, user-friendly tools, or additional perks like signup bonuses.
By selecting an account that aligns with your financial goals, you can maximize your savings potential while keeping your money secure. Don’t wait—start earning more today and take a confident step toward a brighter financial future.
