Finding a great high-yield savings account (HYSA) in 2025 is still worth it. Rates have cooled from the 2023–2024 highs, but you can still earn many times more than a big-bank savings account. Your job is simple: pick a bank that pays a strong APY, has no monthly fees, and makes your money easy to move.
Below I’ll show you the 15 best options right now, how they compare, and how to choose the right one for your needs. I’ll also teach you the key terms (APY, FDIC/NCUA insurance, minimums, transfer speed) in plain English so you can act today with confidence.
Quick note on rates: APYs are variable and can change at any time. I list the APY shown by each bank or a major comparison site and include an “as of” date. Always double-check the rate on the bank’s page before you open the account.
Table of Contents
What “High-Yield” Means (in plain words)
- APY is the annual percent yield. It’s the rate you earn in one year, including compounding. Higher APY = more money.
- FDIC/NCUA insurance protects your deposits up to legal limits if the bank or credit union fails.
- No monthly fees means you keep what you earn.
- Minimums are the dollars you must deposit to open or to earn the APY. Many top HYSAs have no minimum.
The 15 Best High-Yield Savings Accounts for 2025
Selection method: I picked banks that (1) publicly list a competitive APY today, (2) are widely available in the U.S., and (3) have simple, low-fee terms. I use each bank’s own page when possible, and major rate trackers (Bankrate, NerdWallet, Fortune/WSJ/Yahoo Finance) when the bank’s site hides the number behind scripts.
1) ZYNLO Bank — 4.35% APY (as of Sept. 12, 2025)
- Why it’s good: Top-tier APY with no minimum to open, and no monthly fee.
- Good for: Savers who want the best headline rate with few strings.
- Source: Bankrate daily rates table.
2) Peak Bank — 4.35% APY (as of Sept. 12, 2025)
- Why it’s good: Strong rate; $100 minimum.
- Good for: People who can put in at least $100 and want a simple setup.
- Source: Bankrate daily rates table.
3) EverBank — 4.30% APY (as of Sept. 12, 2025)
- Why it’s good: No minimum; long track record, strong tech.
- Good for: Everyday savers who want a well-known name and high APY.
- Source: Bankrate daily rates table.
4) Rising Bank — 4.30% APY (as of Sept. 12, 2025)
- Why it’s good: Consistently competitive saver’s bank. $1,000 minimum.
- Good for: People ready to deposit $1,000+ on day one.
- Source: Bankrate daily rates table.
5) BrioDirect — 4.30% APY (as of Sept. 12, 2025)
- Why it’s good: High APY; note the $5,000 minimum.
- Good for: Larger balances that can clear the minimum.
- Source: Bankrate daily rates table.
6) Forbright Bank — 4.25% APY (as of Sept. 12, 2025)
- Why it’s good: No minimum, high APY for an easy-access account.
- Good for: Set-and-forget savers who don’t want minimums.
- Source: Bankrate daily rates table.
7) Bread Savings — 4.25% APY (as of Sept. 2025 on Bread website)
- Why it’s good: Clear, public rate page; strong APY. $100 minimum.
- Good for: Savers who want a well-known online brand and fast signup.
- Source: Bread Savings official page.
8) Jenius Bank — 4.20% APY (as of Sept. 12, 2025)
- Why it’s good: No minimum; sleek app from a big global parent.
- Good for: App-first savers who value clean design.
- Source: Bankrate daily rates table.
9) Openbank — 4.20% APY (as of Sept. 12, 2025)
- Why it’s good: Competitive APY with $500 minimum.
- Good for: Savers comfortable with online-only banks.
- Source: Bankrate daily rates table.
10) Bask Bank — 4.15% APY (as of Sept. 12, 2025)
- Why it’s good: No minimum, and a simple, solid rate.
- Good for: People who want easy account opening and no fees.
- Source: Bankrate daily rates table.
11) TAB Bank — 4.15% APY (as of Sept. 12, 2025)
- Why it’s good: Competitive APY, $0 minimum.
- Good for: Smaller balances that will grow over time.
- Source: Bankrate daily rates table.
12) Popular Direct — 4.10% APY (as of Sept. 12, 2025)
- Why it’s good: Longtime rate leader with high caps; $100 minimum.
- Good for: Savers who want a known brand and online access.
- Source: Bankrate daily rates table.
13) Marcus by Goldman Sachs — 4.15% APY (as of Sept. 13, 2025, Marcus site)
- Why it’s good: Clean interface, strong brand, no monthly fees.
- Good for: People who value a major U.S. bank name with a high rate.
- Source: Marcus official site (rate/“as of” date shown on page).
14) Capital One 360 Performance Savings — 3.50% APY (as of Sept. 11–12, 2025, Capital One site)
- Why it’s good: Big bank convenience, great app, branch ATMs; no fees.
- Heads-up: This is not always a top APY, but the app and ease are excellent.
- Source: Capital One official pages list 3.50% APY effective 9/11–9/12/2025.
15) American Express High Yield Savings — 3.50% APY (as of Sept. 9–12, 2025, AmEx site)
- Why it’s good: No minimum, trusted brand, simple experience.
- Good for: People who want pure simplicity and a big-name bank.
- Source: AmEx official pages listing the APY and “as of” date.
Other names you might see: Bank lists can vary day-to-day as rates move. Fortune, Bankrate, and Yahoo Finance keep running lists for quick checks, which helps you spot any new leader before you open.
Side-by-side comparison (at a glance)
| Bank | APY (as of date) | Min to open | Monthly fee |
|---|---|---|---|
| ZYNLO Bank | 4.35% (09/12/2025) | $0 | $0 |
| Peak Bank | 4.35% (09/12/2025) | $100 | $0 |
| EverBank | 4.30% (09/12/2025) | $0 | $0 |
| Rising Bank | 4.30% (09/12/2025) | $1,000 | $0 |
| BrioDirect | 4.30% (09/12/2025) | $5,000 | $0 |
| Forbright Bank | 4.25% (09/12/2025) | $0 | $0 |
| Bread Savings | 4.25% (09/2025) | $100 | $0 |
| Jenius Bank | 4.20% (09/12/2025) | $0 | $0 |
| Openbank | 4.20% (09/12/2025) | $500 | $0 |
| Bask Bank | 4.15% (09/12/2025) | $0 | $0 |
| TAB Bank | 4.15% (09/12/2025) | $0 | $0 |
| Popular Direct | 4.10% (09/12/2025) | $100 | $0 |
| Marcus | 4.15% (09/13/2025) | $0 | $0 |
| Capital One 360 Performance | 3.50% (09/11–12/2025) | $0 | $0 |
| American Express HYSA | 3.50% (09/09–12/2025) | $0 | $0 |
Sources: Bankrate daily rates table and official bank pages listed above. APYs are variable and can change without notice.
How to choose the right HYSA (step-by-step)
- Start with APY, but don’t stop there. A 0.20% gap matters on large balances, but features and speed matter too. If you move money often, a great app and fast transfers may beat a tiny APY edge.
- Check fees and minimums. Aim for no monthly fee and no minimum unless you already plan to keep a high balance. Some high rates require large minimums (for example, BrioDirect).
- Look at transfer speed. If you need money fast, choose a bank known for quick ACH pulls/pushes. (Most online banks settle in 1–3 business days, but same-day options are becoming common.)
- Make sure it’s FDIC-insured (or NCUA at a credit union). This is basic safety. Most big names here are FDIC members.
- Read the fine print on promos and tiers. Some accounts pay a bonus rate for a short time or only on a slice of the balance. (Example: some products pay a higher APY for the first $1,000 only.).
- Decide how you bank. If you want everything under one roof (cards, checking, savings, CD), big names like Capital One, AmEx, and Marcus offer a smoother “all-in-one” feel even if their APY is a bit lower today.
- Split your cash if needed. It’s okay to keep an emergency fund in a rock-solid, low-friction bank, and keep extra cash in the very top APY elsewhere. You can move money between them when rates or needs change.
When a slightly lower APY is still the smarter pick
Sometimes a bank that pays 3.50–4.15% beats a 4.30–4.35% bank because:
- It has a better app and faster transfers.
- It has no minimum (or you don’t want to lock up $5,000 just to earn the headline rate).
- You already use the brand (one login, simple taxes, fewer accounts to track).
- You value trust and support as much as the last 0.10–0.20% of APY.
If that sounds like you, Marcus, Capital One, or American Express can be a great “do-everything” savings home with clean setup and clear terms.
Pro tips to squeeze more from your cash
- Automate transfers. Set a fixed amount to move on payday. Small steady deposits beat random large ones.
- Use “buckets” or “goals.” Many banks let you label sub-accounts (Rent, Trip, Taxes). This keeps you from spending what you meant to save.
- Re-shop your rate every quarter. Check Bankrate’s daily leaderboard once every 2–3 months. If your bank slips far behind, move. It takes minutes – Bankrate
- Mind the FDIC caps. Standard coverage is $250,000 per depositor, per bank, per ownership category. Spread large balances across banks if needed.
- Avoid monthly fees. A “fee-free” HYSA is easy to find. Paying a fee here almost never makes sense.
Are big-name banks safe even if their APY isn’t #1?
Yes. The best bank is the one you actually use well. A trusted brand with strong security, an easy app, and fast transfers can beat a tiny APY edge you’ll never notice. Also, large banks face more public scrutiny.
For example, Capital One’s savings practices drew lawsuits and headlines, which pushed more transparency around how rates are displayed and compared. Awareness like this can help savers ask better questions and get fair treatment going forward.
Frequently asked questions (simple answers)
Q: Is a HYSA better than a CD right now?
A: If you need flexibility, a HYSA is better. If you can lock your money for 6–12 months and the CD pays more, a CD can win. Rates change, so compare both each time you save.
Q: Do HYSAs have transfer limits?
A: Federal limits on withdrawals were relaxed, but many banks still limit certain types of withdrawals or charge fees beyond a number per month. Read the account terms.
Q: Will rates go up or down in 2025?
A: Rates follow the broader rate cycle. In 2025, many top HYSAs are around 3.50%–4.35%. They may move if the Fed moves. Check your bank’s rate monthly and re-shop when needed
Q: How fast can I get my money?
A: Most online banks move money in 1–3 business days by ACH. Some offer same-day or instant transfers to linked accounts or debit cards (may include a small fee).
Q: Is the “national average” helpful?
A: It’s useful for context only. Big banks pull that average down. Focus on the top APY banks listed here.
How to move your savings in one afternoon
- Pick two banks from the list above: your main and a backup.
- Open the main account first (takes 5–10 minutes).
- Link your checking account and do a small test transfer ($10–$25).
- When it lands, move the bigger amount.
- Set an automatic monthly transfer from checking to the HYSA.
- Put the backup bank on a note. If your main bank drops far behind next quarter, switch.
Editor’s shortlist (by use case)
- Best overall rate today: ZYNLO and Peak Bank at 4.35% APY.
- Best mix of brand + rate: Marcus at 4.15% APY.
- Best “no-minimum” picks at 4.25%+: Forbright (4.25%), EverBank (4.30%), ZYNLO (4.35%).
- Best for small balances with a known brand: American Express (3.50%), Capital One (3.50%).
- Best for rate chasers comfortable with new names: Jenius (4.20%), Bask (4.15%), TAB (4.15%).
Methodology (simple and strict)
- I used each bank’s official page wherever possible to confirm the APY and the “as of” date. If a bank hides the APY behind scripts or rotating panels, I cross-checked with Bankrate’s daily “best rates today” table, and other current lists from Fortune, WSJ Buyside, and Yahoo Finance for consistency.
- I only kept accounts that are widely available and do not require tricky hoops (like premium paid memberships) to get the stated APY.
- I favored no monthly fees, low or no minimums, and clear terms.
- I clearly note that rates are variable and can change without notice.
Final take
You can still earn 4%+ on your savings in 2025 with a clean, no-fee online account. If you want the highest posted APYs, start with ZYNLO or Peak Bank. If you want a strong brand with a smooth app, Marcus is a great balance of rate and ease. If you already bank with Capital One or American Express, their HYSAs are simple, trusted, and still pay far more than big-bank branch savings.
Don’t overthink it. Open one good account today, automate your savings, and check back in a few months. If your rate falls behind by more than ~0.30% APY, switch. That’s how you keep your money working all year.
Sources for rates and facts (checked this week)
- Bankrate – Best high-yield savings rates today (updated daily; shows ZYNLO 4.35%, Peak 4.35%, EverBank 4.30%, etc.).
- Bread Savings – Official rate page (4.25% APY).
- Marcus by Goldman Sachs – Online Savings (4.15% APY with “as of” date on page).
- Capital One 360 Performance Savings – 3.50% APY effective 9/11–12/2025.
- American Express High Yield Savings – 3.50% APY as of 9/9–12/2025.
- Round-up lists for cross-check (rates vary by day): Fortune; WSJ Buyside; Yahoo Finance.
- Context on savings transparency (Capital One litigation coverage).
