Looking for the Best High-Yield Savings Rates on Sept. 25, 2025? Earn up to 5.00% APY Today

Many high-yield savings accounts (HYSAs) are still offering savers between 4.00% and 5.00% APY -- a clear step up from the modest returns most big banks provide.

The outlook, though, is starting to change. The Fed cut rates last week, and it's likely these higher yields won't stick around for long.

If you've been thinking about opening an HYSA, this could be the right moment to grab a top offer before rates begin to slide. Here are today's best high-yield savings account rates.

• Varo Savings -- up to 5.00% APY (Max APY on up to $5,000, 2.50% APY after)
• AdelFi Money Market Savings -- up to 5.00% APY ($25 min. to open. Max APY on up to $5,000, 2.25% APY for $5K-$10K. Promo code required)
• Fitness Bank Ultra Savings -- 4.75% APY ($100 min. to open. Other terms apply)
• Pibank Savings -- 4.60% APY (No min. balance)
• Presidential Bank Advantage Savings -- 4.50% APY ($5,000 min. to open. Other terms apply)
• Axos ONE® -- up to 5.00% APY (Min. balance: $1,500)

Data source: Issuing banks. Rates are accurate as of Sept. 24, 2025.

A top pick: The Western Alliance Bank High-Yield Savings Premier stands out with a competitive 3.80% APY. It's one of the few top-tier rates still widely available -- and with no monthly account fees, it's a smart pick before rates begin to move lower. Read our full review of the Western Alliance Bank High-Yield Savings Premier to learn more and open an account today.

Our Picks for the Best High-Yield Savings Accounts of 2026

Account	APY	Bonus	Next Steps
Open Account for SoFi Checking and Savings On SoFi's Secure Website. Member FDIC. 4.90/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	up to 4.20% Rate info Earn up to 4.20% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.30% APY as of 9/23/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC. Min. to earn: $0	Earn $50 or $400 and +0.90% Boost on Savings APY with direct deposit. Terms apply. Earn up to 4.20% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.30% APY as of 9/23/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC.	Open Account for SoFi Checking and Savings On SoFi's Secure Website.
Open Account for American Express® High Yield Savings Account On American Express's Secure Website. American Express National Bank, Member FDIC. 4.80/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	3.20%¹ Rate info 3.20%¹ annual percentage yield as of . Terms apply. Min. to earn: $0²	N/A	Open Account for American Express® High Yield Savings Account On American Express's Secure Website.
Open Account for Happen Bank LevelUp Savings On Happen Bank's Secure Website. Member FDIC. 4.70/5 Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	4.20% APY with $250+ in monthly deposits Rate info *LevelUp Rate of 4.20% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. LevelUp Rate applies to first two statement cycles. Rates variable & subject to change at any time. See terms: https://www.happen.com/legal/deposits/levelup-savings-t-and-cs Min. to earn:	N/A	Open Account for Happen Bank LevelUp Savings On Happen Bank's Secure Website.

Disclaimers

¹The Annual Percentage Yield (APY) as advertised is accurate as of . Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.

²There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.

³For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding federal holidays. Transfers can be initiated 24/7 digitally or may be made by phone (transfers are not available by phone between 7:00 PM and 11:59 PM), but any transfers initiated after 7:00 PM Eastern Time or on non-business days will begin processing on the next business day. Funds deposited into your account may be subject to holds. See the Funds Availability section of your Consumer Deposit Account Agreement and Savings Schedules for more information

https://www.happen.com/legal/deposits/levelup-savings-t-and-cs

Should you open a high-yield savings account now?

Even after last week's Fed rate cut, many of the best HYSAs are still paying between 4.00% and 5.00% APY -- some of the strongest returns in years and far better than the tiny yields most big banks offer.

They're safe, flexible, and easy to manage. Deposits up to $250,000 are FDIC-insured, and you can move or withdraw funds whenever you like. With no lockup period, an HYSA is a smart place to keep an emergency fund or short-term savings you may need to access quickly.

That said, the landscape may be shifting. With the Fed's first cut of the year already behind us, APYs could begin trending lower as 2025 continues. That makes today's higher rates especially valuable for savers who act sooner rather than later.

How to open an HYSA in 3 simple steps

You can open a high-yield savings account in just a few minutes. Here's how:

1. Find the account for you. Look for a high APY, no monthly fees, and no requirements that you can't meet (like a minimum balance). Also make sure the bank offers a checking account so you can link it to your savings and make instant transfers.
2. Apply for an account on the bank's website. You'll need to provide some basic information, like your address and Social Security number.
3. Transfer your money. Log into your new bank's website and transfer money from your old savings account into your new one. Transfers between different banks typically take a few business days.

That's all it takes to open an HYSA and start earning a high APY. Note: You may also need to redirect any automatic deposits or withdrawals to your new account.

How much can your savings earn in an HYSA?

At 4.00% APY, savings can snowball over time. Whether you start small or deposit more upfront, the growth adds up quickly.

Leave the money alone, and even a modest balance can turn into thousands in interest -- without adding another cent.

Open one of the top HYSAs now so your cash can start working right away. The earlier you start, the more you stand to gain.