Best High-Yield Savings Accounts of September 2025

If you do most of your banking on your phone, Capital One’s 360 Performance Savings is a standout. The mobile app is one of the highest-rated in the App Store (4.9 stars with nearly 10 million reviews in September 2025), so managing your money really does feel seamless.

The account itself is solid too: 3.50% APY, no fees, and no minimum balance requirements. You can deposit checks, set up automatic transfers, and even pop into a Capital One Café or branch if you like the in-person option.

Barclays has a long history: It’s been around since 1690. (Yes, you read that right!) It’s likely not going anywhere anytime soon. Its Online Savings is perfect if you don’t want to worry about account minimums. You can open an account with any amount and still earn a strong 3.70% APY. That’s about five times the national average.

There are no monthly fees, and you’ll get easy online transfers, direct deposit options, and FDIC protection. It’s simple, reliable, and a great option if you’re just starting out or prefer to keep your savings flexible without jumping through hoops.

SoFi offers a modern banking experience backed by solid financials and rapid growth. With $41 billion in assets and up to $3 million in FDIC insurance, it combines digital innovation with strong capital reserves.

It’s a great starter savings account because it makes saving feel easy (and even kind of fun). When you open an account, you can earn up to a $300 cash bonus and unlock rates up to 4.50% APY for the first six months. That’s a nice head start if you’re just beginning to build savings.

We also love the extras: Vaults for organizing goals, roundups that stash your spare change, and automatic transfers so saving happens in the background. Plus, your SoFi savings comes with a free checking account.

CIT Bank is all about rewarding how you save. With its Platinum Savings account, you’ll earn a strong 3.85% APY if you keep at least $5,000 in your account. Drop below that threshold and the rate falls to just 0.25%, so it pays (literally) to keep a higher balance here.

Its other savings options include the Savings Connect account, which you can open with a deposit of at least $100. It doesn’t require a minimum balance to earn its 3.75% APY.

CIT even offers a Money Market account and a Savings Builder account, which starts at 1.00% APY but tracks your savings and rewards you with a higher interest rate as you develop a consistent savings habit.

There’s plenty to like about Synchrony’s high-yield savings account. For one, you can get an optional ATM card, something most savings accounts don’t offer. That means if an emergency hits, you don’t need to wait days for a transfer. You can just swipe your card and access your money right away.

The 3.80% APY is competitive, and we love that you don’t need to jump through hoops to earn it. Compared to big banks like Chase or Bank of America, where you’d earn pennies, Synchrony’s rate consistently comes out ahead.

Betterment’s Cash Reserve isn’t your typical savings account. It’s technically a cash account tied to your brokerage. But that’s part of what makes it powerful. You get a competitive APY (up to 4.40% with current promos), no fees, and FDIC insurance up to $4 million for joint accounts, and $2 million for individual accounts.

Another feature that sets it apart is the automation tools. You can create multiple savings goals, turn on recurring transfers, and let Betterment’s system nudge you toward progress without lifting a finger.

And if you ever decide you’re ready to invest, your money is already sitting inside Betterment’s platform, so you can move it straight into an investment portfolio. If you’re a saver who loves to “set it and forget it,” this one checks all the boxes.

BrioDirect is a strong choice if you have a larger chunk of cash to set aside. You’ll need at least $5,000 to open the account, but once you’re in, you’ll earn a competitive 4.30% APY with no monthly fees.

This account is backed by Webster Bank, so your money is FDIC insured, and you can manage everything online or through the mobile app. BrioDirect is the online banking arm of Webster Bank, so you manage your account through the mobile app.

Ally’s savings account is hard to beat if you move money around often. Unlike many banks, there are no withdrawal penalties, so you can transfer funds as much as you need. On top of that, Ally has some of the best savings tools out there, like “buckets” to organize your goals, round-ups that sweep spare change into savings, and even a feature that analyzes your spending and shifts extra money automatically.

On a personal note: I’ve had Ally checking and savings since 2014, and I still love them. The tools are helpful, the customer service is excellent, and it’s the bank I recommend to friends again and again.

Discover’s Online Savings Account is a strong pick for couples or families who want a simple, fee-free place to grow savings together. You’ll earn a solid 3.50% APY with no minimum deposit and no monthly fees, so it works for any budget.

Most banks make you wait a couple of business days to move money in or out of an external bank account, but Marcus lets you transfer up to $100,000 the same day. That’s a big deal if you need quick cash for an emergency or want to act fast on a big purchase, like finally spotting the right car.

Plus, you’ll earn a competitive 3.65% APY and enjoy no fees or minimum balance requirements.

If you’re a credit union fan, PenFed makes it easy to join with just $5. Its Premium Online Savings earns 2.80% APY and comes with no monthly fees. You can deposit money through mobile check deposit, transfers, or at a branch, and your savings are NCUA-insured.

The APY isn’t the highest on our list of great high-yield savings accounts. However, PenFed’s long history and member-first approach make it a solid pick if you prefer credit union banking.

Varo’s online savings account stands out because you get both checking and savings in one (complete with a debit card for everyday spending). Plus, all you need is $1,000 in monthly direct deposits to unlock a huge 5.00% APY on up to $5,000, one of the highest rates available. Balances above that earn 2.50%, which is still far above the national average.