These are the best High-Yield Savings Accounts in 2025 in the United States. In 2025, the financial landscape in the United States continues to evolve, with high-yield savings accounts remaining a popular choice for individuals seeking to maximize their savings while maintaining liquidity. With the Federal Reserve’s monetary policy, inflation rates, and technological advancements shaping the banking sector, choosing the right high-yield savings account is crucial for optimizing your financial strategy.

This comprehensive guide will delve into the 12 best high-yield savings accounts in the United States for 2025, analyzing their features, benefits, and potential drawbacks. We will explore various aspects, such as interest rates, fees, accessibility, customer service, and unique offerings to help you make an informed decision.

1. Ally Bank High-Yield Savings Account

Overview:

Ally Bank has consistently been a top contender in the high-yield savings account space, and 2025 is no exception. Known for its competitive interest rates and customer-centric approach, Ally Bank offers a robust online banking experience.

Key Features:

• Competitive Interest Rates: Ally Bank typically offers some of the highest APYs (Annual Percentage Yields) in the market. While exact rates fluctuate based on the economic environment, Ally Bank’s rates are often among the top tier.
  • For instance, in 2025, Ally Bank’s APY might be around 4.00% to 4.50%, depending on the Federal Reserve’s decisions and market conditions.
• No Minimum Balance Requirements: Unlike some other banks, Ally Bank does not impose a minimum deposit or balance requirement, making it accessible to a wide range of savers.
• No Monthly Maintenance Fees: Ally Bank does not charge monthly maintenance fees, allowing you to keep more of your savings.
• Easy Access to Funds: You can access your funds 24/7 through Ally Bank’s user-friendly online platform and mobile app.
  • Features like online transfers, mobile check deposit, and ATM access (via the Ally CashBack Credit Card) enhance convenience.
• Customer Service: Ally Bank is renowned for its 24/7 customer service, available via phone, chat, and email.
• Additional Features:
  • Savings Buckets: This feature allows you to create separate savings goals within your account, helping you organize your savings and track progress.
  • No-Penalty CD: Ally Bank offers a no-penalty certificate of deposit (CD) that combines the higher interest rates of a CD with the flexibility of a savings account.

Considerations:

• While Ally Bank does not have physical branches, its robust online platform and customer service mitigate this limitation for most users.
• The interest rate, though competitive, may not always be the absolute highest available, particularly when compared to smaller online banks or credit unions.

2. Marcus by Goldman Sachs High-Yield Online Savings Account

Overview:

Marcus by Goldman Sachs is another prominent player in the high-yield savings account market, offering a simple and straightforward savings solution.

Key Features:

• Competitive Interest Rates: Marcus consistently offers competitive APYs, often comparable to Ally Bank.
  • In 2025, expect an APY of around 4.00% to 4.50%.
• No Minimum Deposit or Balance Requirements: Similar to Ally Bank, Marcus does not impose minimum deposit or balance requirements.
• No Monthly Fees: There are no monthly maintenance fees associated with the account.
• Easy Access to Funds: Marcus offers a user-friendly online platform and mobile app, allowing you to manage your savings efficiently.
  • Features like mobile check deposit, online transfers, and the ability to link external bank accounts enhance accessibility.
• Customer Service: Marcus provides customer service via phone and online chat, with extended hours of operation.
• Additional Features:
  • Savings Goal Tracker: This tool helps you set and track savings goals, providing a visual representation of your progress.
  • Marcus Insights: This feature offers personalized financial insights and tips to help you manage your money better.

Considerations:

• Like Ally Bank, Marcus lacks physical branches, which may be a drawback for those who prefer in-person banking.
• The interest rate, while competitive, may not always lead the market.

3. American Express National Bank High Yield Savings Account

Overview:

American Express, a well-established financial institution, offers a high-yield savings account that leverages its brand reputation and financial expertise.

Key Features:

• Competitive Interest Rates: American Express offers competitive APYs, often on par with Ally Bank and Marcus.
  • Expect an APY of around 4.00% to 4.50% in 2025.
• No Minimum Balance Requirement: There is no minimum balance requirement to open or maintain the account.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Easy Access to Funds: The online platform and mobile app provide a seamless banking experience.
  • Features like mobile check deposit, online transfers, and the ability to link external accounts are available.
• Customer Service: American Express offers customer service via phone and online chat, with a reputation for excellent support.
• Additional Features:
  • Fraud Protection: American Express provides robust fraud protection measures to safeguard your account.
  • Financial Tools: The account offers various financial tools and resources to help you manage your finances effectively.

Considerations:

• Similar to other online banks, American Express lacks physical branches.
• The interest rate may not always be the highest in the market.

4. Discover Bank Online Savings Account

Overview:

Discover Bank, known for its credit cards, also offers a competitive online savings account.

Key Features:

• Competitive Interest Rates: Discover Bank offers competitive APYs, often comparable to other top banks.
  • In 2025, anticipate an APY of around 4.00% to 4.50%.
• No Minimum Deposit or Balance Requirements: There are no minimum deposit or balance requirements.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Easy Access to Funds: Discover Bank provides a user-friendly online platform and mobile app.
  • Features like mobile check deposit, online transfers, and external account linking are available.
• Customer Service: Discover Bank offers 24/7 customer service via phone and online chat.
• Additional Features:
  • Cashback Checking: Discover Bank offers a cashback checking account that can be linked to your savings account for added convenience.
  • Referral Program: Discover Bank offers a referral program that allows you to earn rewards for referring friends and family.

Considerations:

• While Discover Bank has a strong online presence, it does not have physical branches.
• The interest rate may not always be the highest available.

5. Capital One 360 Performance Savings

Overview:

Capital One, a major financial institution, offers the 360 Performance Savings account, which combines competitive rates with a user-friendly online platform.

Key Features:

• Competitive Interest Rates: Capital One offers competitive APYs, often on par with other top banks.
  • Expect an APY of around 4.00% to 4.50% in 2025.
• No Minimum Balance Requirement: There is no minimum balance requirement to open or maintain the account.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Easy Access to Funds: The 360 online platform and mobile app provide a seamless banking experience.
  • Features like mobile check deposit, online transfers, and external account linking are available.
• Customer Service: Capital One offers customer service via phone, email, and online chat.
• Additional Features:
  • Automatic Savings Plans: The account allows you to set up automatic savings plans to help you reach your financial goals.
  • Financial Tools: Capital One provides various financial tools and resources to assist with budgeting and money management.

Considerations:

• While Capital One has physical branches, the 360 Performance Savings account is primarily an online product.
• The interest rate may not always lead the market.

6. Barclays Online Savings Account

Overview:

Barclays, a global financial services company, offers a straightforward online savings account with competitive rates.

Key Features:

• Competitive Interest Rates: Barclays offers competitive APYs, often comparable to other top banks.
  • In 2025, expect an APY of around 4.00% to 4.50%.
• No Minimum Deposit or Balance Requirements: There are no minimum deposit or balance requirements.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Easy Access to Funds: Barclays provides a user-friendly online platform and mobile app.
  • Features like mobile check deposit, online transfers, and external account linking are available.
• Customer Service: Barclays offers customer service via phone and online chat.
• Additional Features:
  • Financial Education Resources: Barclays offers a variety of resources to help you improve your financial literacy.

Considerations:

• Barclays does not have physical branches in the United States.
• The interest rate may not always be the highest available.

7. CIT Bank Savings Connect

Overview:

CIT Bank, a subsidiary of First Citizens Bank, offers the Savings Connect account, which combines a competitive interest rate with a linked checking account.

Key Features:

• Competitive Interest Rates: CIT Bank offers competitive APYs, often among the highest in the market.
  • In 2025, anticipate an APY of around 4.25% to 4.75%.
• Minimum Balance Requirement: The account requires a minimum balance of $100 to open.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Linked Checking Account:  To earn the highest APY, you need to link a CIT Bank eChecking account.
• Easy Access to Funds: The online platform and mobile app provide a seamless banking experience.
  • Features like mobile check deposit, online transfers, and external account linking are available.
• Customer Service: CIT Bank offers customer service via phone and online chat.

Considerations:

• The linked checking account requirement may not be ideal for everyone.
• The interest rate, while attractive, may fluctuate based on the linked account’s activity.

8. Synchrony Bank High Yield Savings

Overview:

Synchrony Bank, known for its high-yield savings products, offers a competitive savings account with a focus on maximizing returns.

Key Features:

• Competitive Interest Rates: Synchrony Bank offers competitive APYs, often among the highest in the market.
  • Expect an APY around 4.25% to 4.75% in 2025.
• No Minimum Deposit or Balance Requirements: There are no minimum deposit or balance requirements.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Easy Access to Funds: Synchrony Bank provides a user-friendly online platform and mobile app.
  • Features like mobile check deposit, online transfers, and external account linking are available.
• Customer Service: Synchrony Bank offers 24/7 customer service via phone.
• Additional Features:
  • ATM Access: Synchrony Bank offers a free ATM card that provides access to ATMs nationwide.
  • Savings Goal Calculator: This tool helps you calculate how much you need to save to reach your goals.

Considerations:

• Synchrony Bank does not have physical branches.
• The interest rate may not always be the absolute highest.

9. TAB Bank High-Yield Savings Account

Overview:

TAB Bank, a Utah-based online bank, offers a high-yield savings account with a focus on transparency and customer satisfaction.

Key Features:

• Competitive Interest Rates: TAB Bank offers competitive APYs, often among the highest in the market.
  • In 2025, anticipate an APY of around 4.25% to 4.75%.
• No Minimum Balance Requirement: There is no minimum balance requirement to open or maintain the account.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Easy Access to Funds: TAB Bank provides a user-friendly online platform and mobile app.
  • Features like mobile check deposit, online transfers, and external account linking are available.
• Customer Service: TAB Bank offers customer service via phone, email, and online chat.

Considerments:

• TAB Bank lacks physical branches.
• The interest rate may not always be the highest available.

10. LendingClub Bank High-Yield Savings

Overview:

LendingClub Bank, a subsidiary of LendingClub Corporation, offers a high-yield savings account that emphasizes simplicity and convenience.

Key Features:

• Competitive Interest Rates: LendingClub Bank offers competitive APYs, often comparable to other top banks.
  • Expect an APY around 4.00% to 4.50% in 2025.
• No Minimum Deposit or Balance Requirements: There are no minimum deposit or balance requirements.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Easy Access to Funds: LendingClub Bank provides a user-friendly online platform and mobile app.
  • Features like mobile check deposit, online transfers, and external account linking are available.
• Customer Service: LendingClub Bank offers customer service via phone and online chat.

Considerations:

• LendingClub Bank does not have physical branches.
• The interest rate may not always be the highest in the market.

11. Comenity Direct High-Yield Savings Account

Overview:

Comenity Direct, a division of Comenity Capital Bank, offers a high-yield savings account that focuses on maximizing savings potential.

Key Features:

• Competitive Interest Rates: Comenity Direct offers competitive APYs, often among the highest in the market.
  • In 2025, anticipate an APY around 4.25% to 4.75%.
• Minimum Balance Requirement: The account requires a minimum balance of $100 to open.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Easy Access to Funds: Comenity Direct provides a user-friendly online platform and mobile app.
  • Features like mobile check deposit, online transfers, and external account linking are available.
• Customer Service: Comenity Direct offers customer service via phone and online chat.

Considerations:

• The minimum balance requirement may be a drawback for some savers.
• The interest rate may not always be the highest available.

12. Vio Bank High-Yield Savings Account

Overview:

Vio Bank, the online division of MidFirst Bank, offers a high-yield savings account that emphasizes high returns and security.

Key Features:

• Competitive Interest Rates: Vio Bank offers competitive APYs, often among the highest in the market.
  • Expect an APY around 4.25% to 4.75% in 2025.
• Minimum Balance Requirement: The account requires a minimum balance of $100 to open.
• No Monthly Fees: The account does not incur monthly maintenance fees.
• Easy Access to Funds: Vio Bank provides a user-friendly online platform and mobile app.
  • Features like mobile check deposit, online transfers, and external account linking are available.
• Customer Service: Vio Bank offers customer service via phone and online chat.

Considerations:

• The minimum balance requirement may be a hurdle for some savers.
• The interest rate may not always be the highest available.

Final Thoughts

Choosing the best high-yield savings account depends on your individual financial goals, preferences, and priorities. While the interest rate is a crucial factor, other aspects, such as fees, accessibility, customer service, and additional features, should also be considered.

Here are some key factors to consider when selecting a high-yield savings account:

• Interest Rate: While comparing APYs, consider whether the rate is fixed or variable and how often it is subject to change.
• Fees: Look for accounts with no or low fees, including monthly maintenance fees, overdraft fees, and transaction fees.
• Accessibility: Consider how you will access your funds and whether the bank offers features like mobile check deposit, online transfers, and ATM access.
• Customer Service: Evaluate the quality and availability of customer service, as it can greatly impact your banking experience.
• Additional Features: Consider any additional features that may be important to you, such as savings buckets, financial tools, or referral programs.

By carefully evaluating these factors, you can choose the high-yield savings account that best aligns with your financial needs and helps you achieve your savings goals.

Remember, while high-yield savings accounts offer attractive interest rates, they are not the only option for saving money. Depending on your financial situation, other savings vehicles like money market accounts, CDs, or investment accounts may also be worth considering.

12 Best High-Yield Savings Accounts in the United States for 2025, highlighting their key features and considerations to help you make an informed decision.

Bank/Account Name	Interest Rate (APY)	Minimum Deposit	Monthly Fees	Key Features	Considerations
Ally Bank High-Yield Savings	4.00% – 4.50%	$0	$0	– Competitive APY – No minimum balance – No fees – 24/7 customer service – Savings Buckets – No-Penalty CD option	– No physical branches – Interest rate may not always be the highest
Marcus by Goldman Sachs High-Yield Online Savings	4.00% – 4.50%	$0	$0	– Competitive APY – No minimum balance – No fees – User-friendly platform – Savings Goal Tracker – Marcus Insights	– No physical branches – Interest rate may not always be the highest
American Express National Bank High Yield Savings	4.00% – 4.50%	$0	$0	– Competitive APY – No minimum balance – No fees – 24/7 customer service – Fraud protection – Financial tools	– No physical branches – Interest rate may not always be the highest
Discover Bank Online Savings	4.00% – 4.50%	$0	$0	– Competitive APY – No minimum balance – No fees – 24/7 customer service – Cashback Checking option – Referral program	– No physical branches – Interest rate may not always be the highest
Capital One 360 Performance Savings	4.00% – 4.50%	$0	$0	– Competitive APY – No minimum balance – No fees – User-friendly platform – Automatic Savings Plans – Financial tools	– Primarily online, limited physical branches – Interest rate may not always be the highest
Barclays Online Savings	4.00% – 4.50%	$0	$0	– Competitive APY – No minimum balance – No fees – User-friendly platform – Financial education resources	– No physical branches – Interest rate may not always be the highest
CIT Bank Savings Connect	4.25% – 4.75%	$100	$0	– High APY – Linked eChecking required for highest rate – No fees – User-friendly platform – Mobile app	– Minimum balance requirement – Linked account requirement may not suit everyone
Synchrony Bank High Yield Savings	4.25% – 4.75%	$0	$0	– High APY – No minimum balance – No fees – ATM card for easy access – Savings Goal Calculator	– No physical branches – Interest rate may not always be the highest
TAB Bank High-Yield Savings	4.25% – 4.75%	$0	$0	– High APY – No minimum balance – No fees – User-friendly platform – Excellent customer service	– No physical branches – Interest rate may not always be the highest
LendingClub Bank High-Yield Savings	4.00% – 4.50%	$0	$0	– Competitive APY – No minimum balance – No fees – User-friendly platform	– No physical branches – Interest rate may not always be the highest
Comenity Direct High-Yield Savings	4.25% – 4.75%	$100	$0	– High APY – Minimum balance required – No fees – User-friendly platform – Excellent customer service	– Minimum balance requirement – Interest rate may not always be the highest
Vio Bank High-Yield Savings	4.25% – 4.75%	$100	$0	– High APY – Minimum balance required – No fees – User-friendly platform – Excellent customer service	– Minimum balance requirement – The interest rate may not always be the highest

Additional Considerations:

• Online vs. Traditional Banks: Most of the banks listed are online-only, which can be a drawback for those who prefer in-person banking. However, they often offer higher interest rates and lower fees compared to traditional brick-and-mortar banks.
• FDIC Insurance: All the banks listed are FDIC-insured, ensuring your deposits are protected up to $250,000 per depositor, per insured bank.
• APY Fluctuations: Interest rates are subject to change based on market conditions and the Federal Reserve’s monetary policy. It’s important to monitor the rates and be prepared to switch accounts if a better opportunity arises.

By considering these factors and using the table as a reference, you can choose the high-yield savings account that best suits your financial goals and preferences.