Best High-Yield Savings Accounts (Nov 2025): Top Rates Up to 5.00% APY
In November 2025, the gap between traditional savings accounts and **High-Yield Savings Accounts (HYSAs)** remains massive. With the national average savings rate sitting below 0.50% APY, top online banks are offering rates as high as 5.00% APY—letting you earn significantly more on your emergency fund or short-term savings.
If your cash is parked in a conventional savings account, you are losing purchasing power to inflation. We've analyzed the current market to find the best HYSAs available to USA savers right now, focusing on high APYs, low fees, and accessibility.
Why Choose an HYSA in November 2025?
The Federal Reserve's rate policy has kept interest rates elevated, meaning online banks are competing fiercely for your deposits. This competition is great for savers. A HYSA is the perfect, low-risk place for your:
- Emergency Fund: Your money stays safe (FDIC-insured) and liquid, but still grows.
- Short-Term Goals: Saving for a vacation, car, or house down payment.
- Cash Hoard: Any cash you're keeping out of the stock market.
- National Average (0.40%): You earn \$40.
- Top HYSA (5.00%): You earn \$500.
Best High-Yield Savings Accounts (November 2025)
Here are the top contenders, categorized by their strengths. Note that some of the highest APYs may come with specific conditions.
| Bank | APY (as of Nov 2025) | Key Requirements |
|---|---|---|
| Varo Bank | 5.00% APY | Rate applies to balances up to \$5,000; requires qualifying direct deposits. |
| Axos Bank | Up to 4.51% APY | Tiered rates; requires qualifying direct deposits and average daily balance. |
| SoFi | 4.30% APY | Must have qualifying direct deposits. Promotional rate may apply. |
| Vio Bank | 4.21% APY | \$100 minimum to open. No monthly fees. |
| Bread Savings™ | 4.20% APY | \$100 minimum to open. No monthly fees. |
| LendingClub Bank | 4.20% APY | \$100 minimum to open. No monthly fees. |
| Western Alliance Bank | 4.05% APY | \$500 minimum to open. No monthly fees. |
| Barclays | 3.90% APY | No minimums or monthly fees. Established brand. |
| Marcus by Goldman Sachs | 3.65% APY | No minimums or monthly fees. Strong reputation. |
| Discover® Bank | 3.40% APY | No minimums or monthly fees. Excellent customer service. |
How to Choose the Best HYSA for You
While the highest APY is attractive, it's not the only factor. Consider these three points:
- Check for Conditions: Do you meet the direct deposit or minimum balance requirements for the top-tier rates (like Varo or Axos)? If not, you may be better off with a no-strings-attached account like Vio or Bread Savings.
- No Fees are Non-Negotiable: The best HYSAs do not charge monthly maintenance fees. Don't let fees eat away at your interest gains.
- Look at Access & Tech: Do you need a bank with a great mobile app? Do you need the ability to wire funds easily? Most of these are online-only, so a good digital experience is key.
For November 2025, the opportunity to earn substantial, risk-free interest on your cash savings is exceptional. If you haven't already, moving your emergency fund to a high-yield account is one of the smartest financial moves you can make today.
Start Earning More on Your Savings Today!