When it comes to growing your savings, every extra dollar counts. High-yield savings accounts can make a significant difference by offering interest rates far above the national average. Whether you’re building an emergency fund, saving for a dream vacation, or planning a big purchase, these accounts provide a safe and accessible way to maximize your money. Here are six standout high-yield savings accounts currently available in 2025—with attractive features and competitive rates—to help your savings soar.

1. Neighbors Bank – 4.75% APY

Neighbors Bank leads the pack with an impressive 4.75% APY.

Key Features:

  • No minimum deposit to open the account
  • No monthly maintenance fees
  • Mobile check deposit available

This account is simple and accessible. However, keep in mind that it is not available to residents of Delaware, so if you’re located there, you may need to look elsewhere.

2. Openbank – 4.75% APY

Openbank matches Neighbors Bank with a 4.75% APY, offering another excellent opportunity to grow your savings.

Key Features:

  • $500 minimum deposit to open
  • Accessible through an easy-to-use mobile app
  • Backed by Santander Bank, a globally recognized financial institution

Although it’s a strong contender, note that Openbank’s high-yield savings account is not available to residents in several northeastern states, including New York and Pennsylvania.

3. Pibank – 4.60% APY

With a competitive APY of 4.60%, Pibank offers a straightforward high-yield savings experience with no frills.

Key Features:

  • No minimum deposit required to open
  • Online and app-based banking for convenience

If simplicity is what you’re after, Pibank may be a perfect fit. It’s a no-fee option that allows you to focus solely on earning interest on your savings.

4. BrioDirect – 4.55% APY

BrioDirect offers a slightly lower but still strong APY of 4.55%.

Key Features:

  • $5,000 minimum deposit to open
  • Only $25 required to earn the 4.55% APY
  • No monthly maintenance fees

While the initial deposit is higher than many other accounts, BrioDirect’s established reputation as an online-only bank adds a level of reliability to their offering.

5. Fitness Bank – 4.55% APY

Fitness Bank combines high-interest savings with a unique incentive for healthy living.

Key Features:

  • $100 minimum deposit to open
  • Interest rate tied to daily step count (4.55% APY requires an average of 12,500 steps per day)
  • App-based tracking integrated into the account

Fitness Bank is perfect for anyone looking to stay financially and physically fit. If you move less, don’t worry—lower step counts are also rewarded with slightly reduced APYs.

6. TotalBank – 4.51% APY

TotalBank rounds out the list with a solid 4.51% APY.

Key Features:

  • $25,000 minimum deposit to open
  • $2,500 minimum balance to earn interest
  • Nationwide availability (except for Florida residents)

Though this account has higher balance requirements, it offers one of the highest APYs on substantial savings and operates like a traditional savings account rather than a money market one.

Choosing the Right Account for Your Goals

When exploring high-yield savings accounts, consider factors beyond the interest rate. Minimum balance requirements, account access, and associated fees can significantly impact your earnings and experience. Take the time to compare your options and choose the account that best suits your financial needs and goals.

Remember, saving smartly is one of the most powerful ways to build financial security. By choosing a high-yield savings account that works for you, you’ll grow your money and make your financial future that much brighter. Happy saving!