What Is a High-Yield Savings Account and Why You Need One in 2025
A high-yield savings account (HYSA) helps your money grow faster without risk. Learn how it works and why it beats regular savings in 2025.
What Is a HYSA?
A savings account with 10–20x higher interest than traditional banks. Often earning 4%–5% APY.
Why You Need One
- Beats inflation
- Earn compound interest
- No fees or minimums
- Perfect for emergency fund or short-term savings
Top Features to Look For
- High APY (4%+)
- No monthly fees
- FDIC or NCUA insurance
- Easy access via online banking
Best Options in 2025
- Ally Bank
- Marcus by Goldman Sachs
- SoFi
- Discover Bank
- Capital One 360
“Let your money work while you sleep.”