Top 10 Best High-Yield Savings Accounts to Grow Your Money in 2025

Saving your money shouldn’t just be about safety—it should be about growth. In 2025, with rising interest rates and digital banking competition, there’s never been a better time to open a high-yield savings account. These accounts offer significantly higher interest (APY) than traditional savings options, helping your money work smarter, not harder.

Here’s a list of the top 10 best high-yield savings accounts in 2025, carefully compared by interest rate, fees, and features.

1. SoFi High-Yield Savings Account

APY: 4.60%
Minimum Deposit: $0
Monthly Fees: None
Why It’s Great: Great mobile experience, automatic savings tools, and access to SoFi member perks.

2. Ally Bank Online Savings

APY: 4.25%
Minimum Deposit: $0
Monthly Fees: None
Why It’s Great: Trusted brand, solid customer service, and no overdraft fees.

3. Marcus by Goldman Sachs

APY: 4.30%
Minimum Deposit: $0
Monthly Fees: None
Why It’s Great: Backed by Goldman Sachs with user-friendly online access.

4. Discover Online Savings Account

APY: 4.35%
Minimum Deposit: $0
Monthly Fees: None
Why It’s Great: Excellent support and no fees for standard transactions.

5. American Express® High Yield Savings

APY: 4.25%
Minimum Deposit: $0
Monthly Fees: None
Why It’s Great: Simple, no-frills savings with competitive rates from a trusted name.

6. Synchrony Bank High Yield Savings

APY: 4.75%
Minimum Deposit: $0
Monthly Fees: None
Why It’s Great: Among the highest APYs, ATM access available.

7. Capital One 360 Performance Savings

APY: 4.30%
Minimum Deposit: $0
Monthly Fees: None
Why It’s Great: Seamless app experience, great for pairing with Capital One checking.

8. Barclays Online Savings

APY: 4.40%
Minimum Deposit: $0
Monthly Fees: None
Why It’s Great: High APY, solid digital platform, reliable brand.

9. CIT Bank Savings Connect

APY: 4.65%
Minimum Deposit: $100
Monthly Fees: None
Why It’s Great: Offers one of the highest APYs with low deposit requirements.

10. Bread Financial™ High-Yield Savings

APY: 5.15%
Minimum Deposit: $100
Monthly Fees: None
Why It’s Great: One of the highest APYs in 2025, ideal for maximizing passive income.

How to Choose the Right High-Yield Savings Account

When comparing accounts, consider these factors:

APY (Annual Percentage Yield)
Minimum deposit requirements
Monthly maintenance fees
Online/mobile access
Transfer speed & withdrawal limits

Final Thoughts: Grow Your Money the Smart Way

High-yield savings accounts are a low-risk, high-reward way to grow your money in 2025. Whether you’re saving for an emergency fund, a big purchase, or just earning more on idle cash, these top accounts offer some of the best interest rates on the market.