High-yield savings accounts are essential for anyone looking to grow their money securely and efficiently. In 2025, with interest rates remaining relatively competitive, several banks and credit unions continue to offer APYs that far exceed those of traditional savings accounts. Whether you're saving for an emergency fund, a vacation, or a down payment, the best high-yield savings accounts offer minimal fees, mobile access, strong security, and quick transfers.

Here are the top 10 high-yield savings accounts in 2025, based on interest rates, fees, accessibility, digital tools, and overall customer satisfaction for U.S. consumers.

1. Ally Bank High-Yield Savings Account

Ally Bank remains one of the top choices for high-yield savings in 2025, thanks to its consistently competitive APY, no monthly maintenance fees, and user-friendly mobile experience. As an online-only bank, Ally passes on the savings to its customers through higher interest rates.

Key Features:

• APY consistently above the national average
• No minimum balance requirement
• No monthly maintenance fees
• Free automated savings tools with “Buckets” and “Boosters”
• 24/7 customer support and intuitive mobile app

2. Marcus by Goldman Sachs Online Savings Account

Marcus by Goldman Sachs offers a no-frills, high-interest savings account backed by one of the most trusted financial institutions. Ideal for conservative savers, Marcus delivers top-tier rates and solid customer service with no unnecessary bells or whistles.

Key Features:

• Competitive APY with no promotional gimmicks
• No fees or minimum deposit required
• Easy-to-use website and mobile app
• Same-day transfers up to a certain limit
• FDIC insured up to $250,000

3. American Express® High Yield Savings Account

While best known for credit cards, American Express also offers a high-yield savings account with impressive rates and exceptional customer service. It's a solid choice for savers who want to park funds securely and grow them over time.

Key Features:

• Competitive APY on all balances
• No monthly fees or minimum deposit
• 24/7 customer support from a trusted brand
• Seamless transfer from linked external accounts
• High level of security and account protection

4. Discover® Online Savings Account

Discover brings the same level of quality to savings accounts as it does to its credit cards. The Discover Online Savings Account offers a strong APY and excellent mobile access, along with a trustworthy name and no hidden charges.

Key Features:

• High APY without requiring large balances
• $0 monthly fees and no minimum to open
• Mobile check deposit and online banking access
• 24/7 U.S.-based customer service
• Strong encryption and fraud protection

5. Synchrony High-Yield Savings Account

Synchrony Bank is known for offering consistently high interest rates with minimal requirements. It’s a great option for digital-first users who prioritize returns and don’t need access to a brick-and-mortar branch.

Key Features:

• APY among the highest in the market
• No minimum balance or monthly fees
• ATM card available upon request for easy withdrawals
• Mobile-friendly with strong account security
• FDIC insured and backed by a reputable lender

6. Capital One 360 Performance Savings

Capital One’s 360 Performance Savings account provides a balanced solution between a high-yield savings experience and big-bank reliability. With strong mobile features and competitive rates, it appeals to a wide range of savers.

Key Features:

• Attractive APY on all balances
• No monthly fees or minimums
• Integration with Capital One's suite of financial tools
• Access to physical branches in select areas
• Easy mobile transfers and auto-deposit setup

7. Barclays Online Savings Account

Barclays offers a simple yet powerful online savings account with a focus on high APYs and zero fees. Though it doesn’t offer checking services, its savings product is highly competitive and backed by strong security.

Key Features:

• Consistently high APY
• No monthly maintenance fees or minimum balance
• 24/7 online access to your account
• Reliable customer service and fraud monitoring
• Fast, secure ACH transfers

8. CIT Bank Platinum Savings Account

CIT Bank has updated its Platinum Savings to compete with the best in 2025. It rewards higher balances with industry-leading interest rates and offers tools to help customers save smarter and faster.

Key Features:

• Tiered APY that increases with higher balances
• No monthly fees with qualifying deposit activity
• $100 minimum to open an account
• Mobile check deposit and recurring transfer tools
• Savings builder features for long-term goals

9. SoFi High-Yield Savings with SoFi Checking

SoFi’s hybrid account combines the benefits of a high-yield savings account with the flexibility of a checking account. It’s perfect for users who want to manage everyday expenses and savings all in one place.

Key Features:

• High APY with direct deposit
• No account or overdraft fees
• Early paycheck access and spending tools
• FDIC insured through partner banks
• Intuitive mobile app and budgeting tools

10. PNC High-Yield Savings (Virtual Wallet)

PNC Bank offers a high-yield savings component as part of its Virtual Wallet suite. Though it’s a traditional bank, PNC blends digital banking with in-person service, providing the best of both worlds.

Key Features:

• Competitive APY through online-only platform
• Offers financial tracking and budgeting tools
• No fees with qualifying direct deposits
• Linked spending and reserve accounts for better money management
• Access to PNC branches and ATMs nationwide

Conclusion

High-yield savings accounts are a smart way to keep your money safe while earning more interest than a traditional savings account. In 2025, online banks like Ally, Marcus, and Synchrony continue to lead the charge with high APYs and no-fee structures, while larger institutions like Capital One and Discover offer strong alternatives with additional features and customer service. Whether you’re looking for simple interest accrual, integrated financial tools, or branch access, there’s a high-yield savings account to match your financial goals. Always compare APYs, fees, features, and accessibility before committing to the right account.