Best High-Yield Savings Accounts 2025

Compare top high-yield savings accounts with the best rates, fees, and features. Find the perfect account to maximize your earnings and reach savings goals faster.

Finding the right high-yield savings account can significantly boost your savings growth while keeping your money safe and accessible. This comprehensive guide reviews the best high-yield savings accounts available in 2025, helping you choose the perfect account for your financial goals. ## What Makes a Great High-Yield Savings Account? **Key Features to Consider:** - Competitive annual percentage yield (APY) - No monthly maintenance fees - Low or no minimum balance requirements - FDIC insurance protection - Easy online and mobile access - Excellent customer service - ATM access or fee reimbursements ## Top High-Yield Savings Accounts 2025 **Marcus by Goldman Sachs Online Savings** - APY: 4.50% (as of 2025) - Minimum deposit: $0 - Monthly fee: None - FDIC insured: Yes - Special features: No minimum balance, competitive rates **Ally Online Savings Account** - APY: 4.35% - Minimum deposit: $0 - Monthly fee: None - FDIC insured: Yes - Special features: Excellent mobile app, 24/7 customer service **Capital One 360 Performance Savings** - APY: 4.30% - Minimum deposit: $0 - Monthly fee: None - FDIC insured: Yes - Special features: Multiple savings goals, automatic transfers **American Express Personal Savings** - APY: 4.25% - Minimum deposit: $0 - Monthly fee: None - FDIC insured: Yes - Special features: No minimum balance, easy account management **Discover Online Savings** - APY: 4.20% - Minimum deposit: $0 - Monthly fee: None - FDIC insured: Yes - Special features: Cashback rewards, 24/7 customer service ## How to Choose the Right Account **Compare Interest Rates** - Look at current APY, not just promotional rates - Check how often rates change - Consider rate history and stability - Factor in compounding frequency **Evaluate Fees and Requirements** - Monthly maintenance fees - Minimum balance requirements - Transfer fees and limits - ATM fees and access **Consider Access and Convenience** - Online banking platform quality - Mobile app features and ratings