In 2025, high-income savings accounts remain a powerful tool for growing your money. With competitive interest rates and easy access to your funds, these accounts make saving smarter and more rewarding.
Whether saving for emergencies, a dream vacation, or long-term goals, a high-yield account offers a safe and effective way to earn more.
Here’s a look at the top 10 savings accounts this year and what makes them stand out. Note, however: This offer is subject to change without notice, so check before investing.
1. Capital One 360 Performance Savings
Capital One offers a direct account with competitive rates, no fees, and no minimum deposit. Its reputation for good customer service is a bonus.
Additionally, its mobile app makes managing your travel savings easy.
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2. Ally Bank High-Yield Savings
Ally Bank offers an easy-to-use online platform with no maintenance fees, making it a favorite among digital-savvy savers. Its competitive APY and innovative tools, like goal-tracking “buckets,” let you plan and prioritize your savings with ease.
Whether you’re putting money aside for an emergency, vacation, or big purchase, Ally Bank helps you stay motivated and on track.
Pro tip: Get as much money as possible from your emergency savings. Click here for a list of the top savings accounts in America.
3. Get yourself an Online Savings Account
With no monthly fees and a solid APY, Discover offers an excellent option for savers. Its cashback rewards on debit card purchases add extra value.
This combination of savings and rewards makes it an excellent account for everyday banking needs.
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4. Marcus of Goldman Sachs
Marcus features simplicity, a solid APY, and no minimum deposit requirements. It is a good choice for those who are just starting out or who want to increase their savings gradually.
Their easy-to-use system ensures that you can track progress and access funds whenever needed.
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5. CIT Bank Savings Connect
CIT Bank rewards savers with a higher APY and additional account linking benefits.
It’s designed for those who value tiered savings and offers even more significant benefits for maintaining large balances.
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6. SoFi testing and savings
SoFi stands out with its attractive 4% APY and up to $300 signup bonus for new users. Besides account funds and solid financial instruments, the top choice of savings.
You’ll also enjoy features like automatic savings options and budgeting tools, which make it easy to stay on track with your financial goals.
Pro tip: Get as much money as possible from your emergency savings. For example, SoFi Check offers 4% interest, and a sign-up bonus of about $300. (Subject to change without notice.)
7. Vio Bank High Yield Online Savings
Vio Bank is a top contender for savers looking for one of the highest APYs in the market. Its focus on maximizing returns is ideal for dedicated savers who are keen to grow their capital.
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8. American Express® High Yield Savings
Backed by a trusted brand, this account offers a competitive APY with no monthly fees or minimums. Ideal for savers who want reliability and simplicity.
Its robust security features also ensure peace of mind in your hard-earned savings.
Pro tip: Protect your savings and personal information—limited ID theft protection can help you protect what’s most important.
9. Barclays Online Savings
Barclays delivers solid APYs with no hidden fees. Its international presence and history of financial stability make it a strong choice for long-term savers.
A simple, no-frills approach keeps you focused on building your balance.
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10. Synchrony Bank High Yield Savings
Synchrony Bank offers high APYs and benefits like ATM access for easy withdrawals. Its flexibility is perfect for those who want both growth and affordability.
You can also benefit from Synchrony’s strong customer support team for any banking needs.
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Your Financial Future Begins Now
Saving smartly in 2025 starts with choosing the right high-yield savings account. Each offers unique benefits, such as high APYs, easy-to-use tools, or additional benefits such as sign-up bonuses.
By choosing an account that fits your financial goals, you can maximize your savings while keeping your money safe. Don’t wait—start earning more today and take a confident step toward a brighter financial future.
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