Looking for the safest way to grow your money in 2025 without taking risks in the stock market? High-yield savings accounts (HYSA) are one of the smartest options available right now. With interest rates at some of the highest levels in years, banks across the U.S. are competing to offer customers bigger returns on their savings.
If you’ve been letting your cash sit in a regular savings account earning almost nothing, now is the time to make a move. Here’s a look at the best high-yield savings accounts in the USA for 2025, and why these banks stand out.
1. Ally Bank – Easy Access, Strong Rates
Ally continues to be a favorite for U.S. savers in 2025. Known for its no-minimum-balance accounts and user-friendly mobile app, Ally is offering one of the highest APYs (annual percentage yields) this year. If you want simple banking with no hidden fees, this is a solid pick.
2. Marcus by Goldman Sachs – Trusted and Reliable
Marcus by Goldman Sachs has built a reputation for being a safe and straightforward savings option. With competitive interest rates and no monthly fees, it’s an excellent choice for anyone who prefers banking with a well-known financial giant.
3. Discover Online Savings – Rewards Beyond Shopping
Discover isn’t just about credit cards. Their high-yield savings account comes with a great APY and the reliability of a major financial brand. The best part? No minimum deposit is required to open an account.
4. Capital One 360 Performance Savings – Big Bank Convenience
Capital One offers flexibility with both online and in-person access. The 360 Performance Savings account has a competitive APY, and with Capital One’s large branch and ATM network, it’s ideal if you like having the option to bank both online and offline.
5. American Express High Yield Savings – Strong Returns from a Trusted Brand
Known worldwide for credit cards, American Express also has a savings account that’s gaining popularity. With solid interest rates and zero fees, it’s a great pick if you already use Amex for other financial products.
Why High-Yield Savings Accounts Matter in 2025
Traditional savings accounts often give you less than 0.1% APY. In contrast, the banks above are offering returns 10–20 times higher. That means your money works harder for you while still staying safe and insured by the FDIC (up to $250,000).
How to Choose the Right Account
When picking a high-yield savings account, keep these things in mind:
- APY (Interest Rate): Higher is better.
- Minimum Balance: Look for accounts with no or low requirements.
- Fees: Avoid accounts that charge maintenance fees.
- Access: Consider whether you want branch access, or if online-only works for you.
Final Takeaway
2025 is shaping up to be a great year for savers in the U.S. With so many banks raising their interest rates, you have multiple options to grow your money safely. Whether you value easy mobile banking, a big brand name, or zero fees, the top high-yield savings accounts listed above are worth considering.
Tip: Don’t wait too long. Banks can lower rates anytime, so if you see an account that fits your needs, it’s smart to lock it in now.
