Earn More: The Best High‑Yield Savings Accounts for 2025

上の画像は、上向きの矢印と共に積み上がるコインの束を描いており、高利回り貯蓄口座の複利による成長可能性を象徴しています。.

より多く稼ぐ：2025年最高のハイイールド貯蓄口座

High‑yield savings accounts (HYSAs) are online bank accounts that pay far more than the tiny interest rates offered by many traditional savings accounts. These accounts are insured by the Federal Deposit Insurance Corporation (FDIC) and allow your money to grow without sacrificing safety. In this article we compare several FDIC‑insured banks that currently offer some of the most competitive yields. We also explain how to check a bank’s reliability and provide resources for staying on top of future rate changes.

🏦 What is a high‑yield savings account?

Unlike basic savings accounts that often pay less than 0.5 % APY, high‑yield savings accounts are designed to reward you with a much higher annual percentage yield (APY). They are almost always offered through online‑only or branch‑light banks, which can pass the savings from reduced overhead back to you in the form of better interest rates. HYSAs are still FDIC insured, so the first $250,000 per depositor, per institution is protected by the U.S. government banks.data.fdic.gov.

📈 Top FDIC‑insured high‑yield savings accounts

Below are some of the most competitive HYSA offerings as of August 17, 2025. Interest rates are variable and can change at any time. Star ratings reflect a general assessment of each institution’s financial health (higher stars indicate stronger capitalization and stability) based on publicly available data and independent research from services like BauerFinancial bauerfinancial.com.

Bank (link to rate page)	Current APY & features	Notable requirements/bonuses	Solvency rating*	Special rate?
Synchrony Bank – High Yield Savings	3.80 % APY (special member rate). No minimum deposit or monthly fees; ATM access and mobile check deposit synchrony.com.	Membership required, otherwise rate may be lower	★★★★☆	Yes – promotional rate.
Marcus by Goldman Sachs – Online Savings	3.65 % APY, no fees or minimum deposit marcus.com. Same‑day transfers up to $100 k and FDIC insured marcus.com.	None	★★★★☆	Standard rate.
Barclays – Online Savings	3.70 % APY as of 06/17/2025 banking.barclaysus.com; 5× the national average banking.barclaysus.com. No fees or minimum balance banking.barclaysus.com.	None	★★★★☆	Standard rate.
American Express – High‑Yield Savings	3.50 % APY. No monthly fees or minimum deposit ナーディウォレット・ドットコム.	None	★★★★☆	Standard rate.
Discover Bank – Online Savings	3.50 % APY. No minimum opening deposit, no monthly fees and 24/7 U.S.‑based support discover.com.	None	★★★★☆	Standard rate.
Varo Bank – Varo Savings	最大 5.00 % APY on balances up to $5 k; additional funds earn 2.50 % APY. To qualify, customers must receive at least $1,000 in direct deposits each month and maintain a positive daily balance varomoney.com.	Requires qualifying direct deposit and positive balance	★★★★☆	Yes – conditional rate.
Pibank – Savings Account	4.60 % APY, no minimum balance or monthly fees pibank.com.	None	★★★★☆	Standard rate.
Fitness Bank – Fitness Savings	Earn 4.85 % APY when paired with an Elite Checking account and a $5 k average balance; the stand‑alone savings account offers 4.50 % APY when customers average 12,500 steps per day fitnessbank.fit	High daily step counts and Elite Checking required for top rate	★★★½☆	Yes – activity‑based rate.
Newtek Bank – Personal High‑Yield Savings	4.35 % APY; no minimum balance. Newtek advertises that this rate is more than 11× the national average (screenshot shows 4.35 % APY) newtekbank.com.	None	★★★★☆	Standard rate.
Axos Bank – Axos ONE Savings	最大 4.46 % APY on savings when customers set up at least $1,500 in monthly direct deposits and maintain an average daily balance ($1,500+ or $5,000+, depending on the tier) axosbank.com. Checking earns 0.51 % APY.	Requires direct deposit and specific balance tiers	★★★★☆	Yes – tiered rate.
Zynlo Bank – Money Market Account	4.40 % APY with no minimum balance or fees and unlimited transactions zynlobank.com.	None	★★★½☆	Standard rate.
Vio Bank – Online Savings	4.31 % APY across all balances (screenshot shows 4.31 %) viobank.com.	$100 minimum to open; no monthly fee	★★★½☆	Standard rate.
EverBank – Performance Savings	4.30 % APY on new accounts, no monthly fee or minimum balance and $0 to open everbank.com. Interest is compounded daily and the account is FDIC‑insured everbank.com.	None	★★★★☆	Standard rate.
CFG Bank – High Yield Money Market	4.32 % APY (4.23 % interest rate) for a money‑market account as of 02/18/2025 cfg.bank. Requires $1,000 to open and maintain to earn APY; deposit amounts determine fee avoidance cfg.bank.	$1,000 minimum deposit & balance to avoid fees	★★★★☆	Standard rate.

*Solvency rating: Five‑star scale based on public financial data, regulatory capital ratios and independent ratings from BauerFinancial bauerfinancial.com. These ratings are opinions and are ない financial advice.

🧰 How to check if a bank is FDIC‑insured and financially sound

FDIC BankFind Suite – The FDIC provides a free BankFind Suite that lets you search for current and former FDIC‑insured banks and branches back to 1934 banks.data.fdic.gov. You can search by name, certificate number or web address to verify insurance coverage and see a bank’s history.
BauerFinancial Star Ratings – Independent firm BauerFinancial publishes quarterly star ratings for banks and credit unions using capital ratios, profitability trends, loan quality and liquidity bauerfinancial.com. Their database allows you to look up an institution by state or FDIC certificate number and see its rating definitions (e.g., “Superior” or “Adequate”) bauerfinancial.com.

🔍 Other resources for comparing high‑yield savings accounts

Because rates change frequently, it’s smart to monitor multiple sources before opening a new account. Useful websites include:

ナードウォレット – Regularly updated round‑ups of the best HYSAs with side‑by‑side comparisons, pros/cons and bank reviews.
Bankrate – Tracks national average rates, provides calculators and publishes editor‑ranked lists of top savings accounts.
Investopedia – Offers curated lists of the highest APYs with details on minimum deposits and restrictions investopedia.com.
フォーブス・アドバイザー そして Fortune – Provide news‑oriented comparisons and highlight banks offering limited‑time promotional rates.
Money.com, The Motley Fool, US News & World Report そして CNET – Compile rate tables, calculators and financial advice articles.

✅ Final thoughts

The best high‑yield savings account for you depends on how much you plan to deposit, whether you can meet direct‑deposit or activity requirements, and how often you need to access your money. While promotional rates can be appealing, make sure to read the fine print so you understand how long the rate lasts and what you must do to earn it. Before moving large sums, always verify that the bank is FDIC‑insured and consider consulting professional financial advice if you’re unsure.