Best High-Yield Savings Accounts: 2025 Comparison (5.3% APY Available)
We compared 47 high-yield savings accounts across rates, fees, minimums, and FDIC coverage. The top 5 options ranked.
Marco Oliveira, CFPPersonal Finance Editor
5 min readFact-checked
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Top 5 High-Yield Savings Accounts
| Rank | Institution | APY | Minimum | FDIC | Rating |
|---|---|---|---|---|---|
| 1 | Marcus by GS | 5.30% | $0 | Yes | 9.2/10 |
| 2 | Ally Bank | 5.25% | $0 | Yes | 9.0/10 |
| 3 | Capital One | 5.15% | $0 | Yes | 8.8/10 |
| 4 | Discover | 5.10% | $0 | Yes | 8.7/10 |
| 5 | Synchrony | 5.05% | $0 | Yes | 8.5/10 |
About the Author
Marco Oliveira, CFP
Personal Finance Editor
CFP, MSc Economics
Certified Financial Planner with 12 years helping individuals build wealth systematically. Published researcher on behavioral finance and savings optimization.
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