Best High-Yield Savings Accounts USA 2025 – Top Rates & Features
High-yield savings accounts (HYSAs) remain one of the safest and most effective ways to grow your savings without risking your capital. In 2025, interest rates remain competitive, and many online banks are offering annual percentage yields (APYs) above 4%, making them an attractive option for savers.
In this guide, we compare the best high-yield savings accounts in the USA for 2025, looking at interest rates, fees, accessibility, and unique features so you can make an informed choice.
1. Ally Bank – High-Yield Savings
- APY: 4.25% (as of January 2025)
- Monthly Fees: None
- Minimum Balance: $0
- Pros: No fees, easy online access, strong mobile app.
- Cons: No physical branches.
2. Marcus by Goldman Sachs
- APY: 4.35%
- Monthly Fees: None
- Minimum Balance: $0
- Pros: Competitive rate, FDIC-insured, reputable brand.
- Cons: No checking account integration.
3. Discover Online Savings
- APY: 4.30%
- Monthly Fees: None
- Minimum Balance: $0
- Pros: No fees, strong customer support.
- Cons: Limited product variety compared to big banks.
4. American Express® High Yield Savings
- APY: 4.20%
- Monthly Fees: None
- Minimum Balance: $0
- Pros: Trusted brand, easy transfers from Amex credit cards.
- Cons: No ATM card for cash withdrawals.
5. Capital One 360 Performance Savings
- APY: 4.10%
- Monthly Fees: None
- Minimum Balance: $0
- Pros: Easy branch and ATM access in major cities.
- Cons: APY slightly lower than top online banks.
How to Choose the Best Account
When selecting a high-yield savings account, consider:
- Interest Rate (APY): Higher APY means more earnings over time.
- Fees: Avoid accounts with monthly maintenance fees.
- Access: Decide if you prefer online-only or branch access.
- Extra Features: Some banks offer automatic savings tools, budgeting apps, or bonuses.
Final Thoughts
In 2025, online banks continue to dominate the high-yield savings market, offering APYs above 4% with no monthly fees. If you prioritize maximizing your savings with minimal hassle, an online HYSA is the way to go.
Pro Tip: Keep an eye on rate changes throughout the year — APYs can fluctuate based on the Federal Reserve’s interest rate decisions.
