Looking to make your money work harder? In 2025, high-yield savings accounts are offering record interest rates, helping millions of Americans grow their savings faster than ever. Whether you’re saving for a home, a vacation, or an emergency fund, choosing the right account can make a big difference.
Here are the Top 10 High-Interest Savings Accounts in the USA (2025) that combine safety, convenience, and the best returns.
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1. American Express® High Yield Savings
APY: 4.35%
Minimum Balance: $0
Why It’s Great: Backed by one of the most trusted financial institutions, Amex offers easy online access, no fees, and a highly competitive interest rate.
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2. Discover® Online Savings
APY: 4.40%
Best For: Zero-fee banking
Highlights: No minimum deposit, no monthly fees, and award-winning customer service make Discover one of the top picks for smart savers.
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3. SoFi Checking & Savings
APY: Up to 4.60%
Bonus Offer: Up to $250 cash bonus
Why It’s Hot: SoFi rewards you for direct deposit and combines savings + checking in one sleek app.
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4. Ally Bank High Yield Savings
APY: 4.25%
Features: Automatic savings tools, round-up savings, and 24/7 support.
Why People Love It: Perfect blend of innovation and reliability, trusted by millions.
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5. Marcus by Goldman Sachs
APY: 4.50%
Bonus: $100 sign-up bonus
About: Simple, secure, and ideal for long-term savers who want their money to grow with minimal effort.
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6. Capital One 360 Performance Savings
APY: 4.35%
Highlights: No minimums, fast transfers, and a top-rated mobile app.
Bonus: Often offers cash promotions for new accounts.
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7. Varo Bank
APY: Up to 5.00%
Best For: Digital-first users
Why It’s Unique: High rates, early paycheck access, and no hidden fees.
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8. CIT Bank Platinum Savings
APY: Up to 5.05%
Minimum Balance: $5,000
Ideal For: High savers looking for the absolute best rates in 2025.
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9. Bread Savings
APY: 5.15%
Why It’s Popular: One of the highest interest rates available nationwide, with FDIC insurance and no monthly maintenance fees.
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10. Barclays Online Savings
APY: 4.35%
Strength: Trusted global brand with reliable customer service and a simple, no-hassle setup.
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Pro Tip: Automate Your Savings
Set up automatic transfers from your checking to savings each month. Even $100 per month can grow into thousands with the power of compound interest.
