The 5 Best High-Yield Savings Accounts in 2025 (Earn More on Your Money)
Tired of earning pennies on your savings?
In 2025, there are high-yield savings accounts (HYSAs) offering 4% to 5%+ APY, with no fees and full FDIC insurance.
What Is a High-Yield Savings Account?
A high-yield savings account pays significantly higher interest than traditional savings.
They’re ideal for:
- Emergency funds 💼
- Short-term savings 🏖️
- Overflow from checking accounts 💳
How We Chose These Accounts
- ✅ 4.00%+ APY
- 🚫 No monthly fees
- 💸 Low or no minimum balance
- 🛡️ FDIC-insured
1. UFB Direct – 5.25% APY
- APY: 5.25%
- Minimum: $0
- Fees: None
- Access: Mobile app & online banking
2. Bask Bank – 5.10% APY
- APY: 5.10%
- Minimum: $0
- Fees: None
- Perks: Strong security, great UX
3. SoFi Bank – 4.60% APY
- APY: 4.60%
- Minimum: $0
- Fees: None
- Extras: Includes checking + debit card
4. CIT Bank – 4.65% APY
- APY: 4.65%
- Minimum: $100
- Fees: None
- Bonus: Excellent mobile app
5. Marcus by Goldman Sachs – 4.40% APY
- APY: 4.40%
- Minimum: $0
- Fees: None
- Strength: Trustworthy brand
Comparison Table
| Bank | APY | Min. Deposit | Fees | Access |
|---|---|---|---|---|
| UFB Direct | 5.25% | $0 | None | Mobile + Online |
| Bask Bank | 5.10% | $0 | None | Mobile + Online |
| SoFi | 4.60% | $0 | None | Mobile + Debit |
| CIT Bank | 4.65% | $100 | None | Web + App |
| Marcus by GS | 4.40% | $0 | None | Web + App |
Final Thoughts
Leaving your savings in a 0.01% account is like throwing away free money.
Switch to a high-yield savings account today and let compound interest do the work.
“Make your money work harder than you do.”