Best High-Yield Savings Accounts in 2025: Where to Grow Your Money Safely
Looking to grow your savings without risk? A high-yield savings account (HYSA) is one of the smartest places to keep your money in 2025.
What Is a High-Yield Savings Account?
A HYSA offers interest rates 10x higher than traditional banks — and keeps your money safe and accessible.
Why Use One in 2025?
- Earn 4.00%–5.25% APY
- No fees or minimums
- Easy access with mobile apps
- Perfect for emergency funds and goals
Top HYSAs in 2025
| Bank | APY | Fees | Min | Notes |
|---|---|---|---|---|
| SoFi | 4.60% | $0 | $0 | Top-rated, fast transfers |
| Ally | 4.35% | $0 | $0 | Auto savings tools |
| Marcus | 4.40% | $0 | $0 | Savings only, no debit card |
| Capital One | 4.30% | $0 | $0 | Trusted platform |
| Amex Bank | 4.25% | $0 | $0 | Great for Amex users |
What to Look For
- APY over 4%
- No fees or hidden terms
- FDIC/NCUA insurance
- Mobile app + support
Tips to Maximize Savings
- Automate deposits
- Use for short-term goals
- Don’t leave long-term money here — invest instead
“Let your money work for you — even while you sleep.”