With inflation concerns still looming and interest rates remaining relatively high, 2025 is shaping up to be another solid year for savers looking to make their money work harder. High-yield savings accounts (HYSAs) are a safe, accessible way to earn interest far beyond what traditional savings accounts offer. Whether you’re stashing an emergency fund or just trying to beat inflation, here are the top 10 high-yield savings accounts in the U.S. for 2025.
1. BrioDirect High-Yield Savings
- APY: Around 5.30%
- Minimum Deposit: $5,000
BrioDirect is leading the HYSA pack in 2025, offering an exceptionally high yield. While the $5,000 minimum deposit may deter some, it’s a great option for those ready to park a sizable amount of cash. Backed by Webster Bank, BrioDirect also provides FDIC insurance and a clean digital banking experience.
2. UFB Direct High-Yield Savings
- APY: About 5.15%
- Minimum Deposit: $0
UFB Direct continues to be a fan favorite. With no minimum deposit and one of the highest available APYs, it’s a solid choice for both new savers and experienced ones. Their mobile app is functional, and you’ll enjoy 24/7 customer service and check-writing capabilities—an unusual but handy feature for a savings account.
3. Varo Bank Savings Account
- APY: Up to 5.00% (on balances up to $5,000)
- Minimum Deposit: $0
Varo is one of the few digital banks offering a tiered rate—5.00% APY on balances up to $5,000, and 3.00% thereafter. To earn the top rate, you need to receive qualifying direct deposits and keep your balance under the threshold. This makes it perfect for emergency funds or short-term savings goals.
4. FitnessBank Savings
- APY: Around 5.00%
- Minimum Deposit: $100
A unique take on savings, FitnessBank ties your APY to your step count. The more active you are (tracked via fitness devices), the higher your interest rate. It’s a creative way to motivate healthy habits while earning on your savings. Just make sure you’re committed to staying active to maintain the top rate.
5. Axos Bank High-Yield Savings (Axos ONE®)
- APY: Up to 4.66%
- Minimum Deposit: $1,500–$5,000
Axos ONE Savings offers a competitive APY, especially if you can meet its requirements such as maintaining a minimum balance or setting up direct deposit. It also provides access to a full suite of online banking tools, making it a practical option for digital-savvy users.
6. Pibank High-Yield Savings
- APY: Ranges from 4.60% to 5.00%
- Minimum Deposit: $0
Pibank’s high rates and no minimum deposit requirement make it one of the most accessible accounts for everyday savers. There are no monthly fees, and transfers are relatively quick. It’s a simple, no-frills option with a great return.
7. Openbank High-Yield Savings
- APY: About 4.40%
- Minimum Deposit: $500
Backed by international bank Santander, Openbank offers a sleek digital experience and a reliable APY. Though it’s a newer name in the U.S. market, it has earned trust with secure features and consistent yields. The $500 minimum is modest and easy to meet for most savers.
8. My Banking Direct High-Yield Savings
- APY: Approximately 4.40%
- Minimum Deposit: $500
Offered by Flagstar Bank, My Banking Direct provides a strong rate with a straightforward setup. This account is best for users who want competitive interest without jumping through hoops. Just watch out for transfer delays if you’re moving funds between accounts.
9. LendingClub LevelUp Savings
- APY: Up to 4.40%
- Minimum Deposit: $0 (with conditions)
LendingClub’s LevelUp Savings account rewards consistent savers. If you deposit at least $250 monthly, you earn the top rate. If not, the APY drops to 3.40%. It’s a smart pick for anyone looking to build the habit of regular saving while earning a top-tier return.
10. EverBank (formerly TIAA Bank) Yield Pledge Online Savings
- APY: Around 4.35%
- Minimum Deposit: $1,000
EverBank (which rebranded from TIAA Bank) maintains a strong presence in the HYSA world with its Yield Pledge account. While the APY is slightly lower than others on this list, the bank promises to keep rates among the top 5% nationally—offering peace of mind that your rate won’t fall behind the competition.
Final Thoughts
When choosing a high-yield savings account, always consider more than just the APY. Look at account fees, withdrawal limits, customer service, and any hoops you have to jump through to get the advertised rate. For 2025, savers are in a great position to capitalize on elevated interest rates, so now’s the time to shop around and optimize where you park your cash.