Top High-Yield Savings Accounts in the US (Over 4.5% APY)

by

With rising interest rates in 2025, high-yield savings accounts (HYSAs) are a safe and smart place to park your cash. Unlike traditional accounts offering 0.01% APY, today’s top HYSAs offer over 4.5% APY with no risk.

Best Options:

  • Ally Bank – 4.60% APY, no monthly fees.
  • Marcus by Goldman Sachs – 4.75% APY, FDIC insured.
  • Synchrony Bank – 4.65% APY, ATM access included.

Why Choose a HYSA?

  • Great for emergency funds or short-term goals.
  • Keeps pace with inflation better than standard savings.
  • FDIC-insured up to $250,000.

Before opening, check for minimum balance requirements and withdrawal limits (usually 6/month). Online-only banks typically offer the best returns due to lower overhead.

Leave a Comment