Top 7 High-Yield Savings Accounts in the USA Right Now (2025 Edition)
Updated: October 2025 | Author: FinRisePro Editorial Team
In 2025, high-yield savings accounts (HYSA) remain one of the smartest, lowest-risk ways for Americans to grow their money passively. With interest rates staying high and fintech innovation accelerating, the right savings account can easily earn you 4.5%–5.25% APY or more — completely FDIC-insured.
💰 1. Marcus by Goldman Sachs — 5.15% APY
Marcus continues to lead the pack with a competitive APY and no minimum balance requirements. It’s backed by Goldman Sachs Bank USA, providing reliability and a smooth mobile experience.
- No monthly fees
- FDIC insured up to $250,000
- Perfect for short-term and emergency savings
🏦 2. SoFi Checking & Savings — 4.60% APY (with direct deposit)
SoFi combines modern banking with automation. Users can earn up to 4.60% APY if they set up a direct deposit. Plus, SoFi gives cashback offers, free overdraft protection, and early paycheck access.
💼 3. Ally Bank — 4.25% APY
One of the most trusted names in online banking, Ally Bank provides consistent returns with no hidden fees. The app offers excellent budgeting tools and round-the-clock customer support.
🏠 4. Discover Online Savings — 4.20% APY
Discover offers a sleek online interface and strong customer protection. No minimum deposit is required, and you’ll get 24/7 U.S.-based support — great for digital-savvy savers.
📱 5. American Express® High Yield Savings — 4.35% APY
Perfect for users already using AmEx credit cards. Transfers are quick, and you can easily integrate it with your main AmEx app for seamless management.
💳 6. CIT Bank Savings Connect — 5.00% APY
CIT Bank offers one of the highest APYs available with easy online access. The account links directly to eChecking for flexibility, ideal for smart savers aiming for liquidity + growth.
💼 7. Bread Savings™ — 5.20% APY
Bread Savings (formerly Comenity Direct) is a rising star among digital banks. The clean user experience and strong mobile app make it a great choice for tech-forward Americans.
📊 Comparison Table (2025)
| Bank | APY | FDIC Insured | Minimum Balance |
|---|---|---|---|
| Marcus by Goldman Sachs | 5.15% | Yes | $0 |
| SoFi | 4.60% | Yes | $0 |
| Ally Bank | 4.25% | Yes | $0 |
| Discover | 4.20% | Yes | $0 |
| AmEx | 4.35% | Yes | $0 |
| CIT Bank | 5.00% | Yes | $100 |
| Bread Savings | 5.20% | Yes | $0 |
🧠 Expert Insight (2025)
According to FDIC’s national rate reports, the average U.S. savings APY is still below 0.50%. Choosing a high-yield account from this list means your money grows 10x faster than average savings accounts.
For maximum returns, consider automating transfers every payday and avoid linking debit cards that encourage spending.
Pro Tip: Open at least two high-yield accounts — one for emergency funds and one for future goals like travel, investments, or debt payoff.