Top 5 High-Yield Savings Accounts in the USA (November 2025)
In today's dynamic financial landscape, simply keeping your savings in a traditional bank account is letting potential money slip through your fingers. High-Yield Savings Accounts (HYSAs) offer significantly higher Annual Percentage Yields (APYs) compared to the national average, making them the smart choice for emergency funds and short-term goals.
We've analyzed the market to bring you the **top 5 high-yield savings accounts** available in the USA for November 2025, focusing on competitive APYs, low fees, and minimal opening requirements.
Why a High-Yield Account Matters Now
With inflation a constant concern, earning a high APY is crucial for preserving your money's purchasing power. Digital-first banks generally offer the best rates because they have lower overhead costs than brick-and-mortar institutions. They pass those savings directly to you!
The Top 5 High-Yield Savings Accounts
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#1 Varo Bank High-Yield Savings Account
Varo is a leading digital-only bank, often topping the charts for the highest rates. They offer an introductory rate as high as **5.00% APY** on balances up to a certain limit (often $5,000) for customers who meet direct deposit requirements, and a strong base APY on all other balances. (Internal Link Suggestion: Read our full Varo Review)
- APY: Up to 5.00% (Variable, based on conditions)
- Minimum Deposit: $0
- Fees: No monthly fees.
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#2 Newtek Bank High-Yield Savings
Newtek has rapidly gained popularity due to its highly competitive, non-conditional APY, sitting currently around **4.35% APY**. It’s a straightforward option with no minimum balance to earn the top rate.
- APY: 4.35% (Variable)
- Minimum Deposit: $0
- Fees: No monthly maintenance fees.
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#3 Bread Savings High-Yield Savings
Owned by Bread Financial, this online-only account offers a reliable and high APY, consistently hovering around **4.20% APY**. It’s a great choice for those who prefer an established, no-fuss digital bank experience.
- APY: 4.20% (Variable)
- Minimum Deposit: $100 to open.
- Fees: No monthly fees.
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#4 Jenius Bank Savings Account
Jenius Bank (a division of SMBC) offers a strong **4.20% APY** with a modern, all-digital interface. Its simplicity and robust backing make it a trustworthy contender for serious savers.
- APY: 4.20% (Variable)
- Minimum Deposit: $0
- Fees: No monthly fees.
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#5 Marcus by Goldman Sachs Online Savings
Backed by the financial giant Goldman Sachs, Marcus is a favorite for its combination of high APY (currently around **3.65% APY**, plus occasional bonus offers) and its fee-free, minimum-free policy. Their customer service is also highly rated. (Internal Link Suggestion: Compare this to the Best CD Rates of 2025)
- APY: 3.65% (Variable)
- Minimum Deposit: $0
- Fees: No fees, ever.
Important Considerations Before You Open
While the APY is the main attraction, remember these accounts are variable. The rates can change at any time. Always confirm the current rate on the bank's official website before opening an account. Also, ensure the institution is **FDIC insured**—all of the banks listed above are.
Disclaimer: All APYs mentioned are variable and accurate as of November 12, 2025. Rates can change daily. Always check the financial institution's website for the most current rate and terms.
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