Top 10 High-Yield Savings Accounts for December 2025: Earn Up to 4.3% APY and Watch Your Money Grow

US News: Savers can still lock in impressive returns before the end of 2025, with the strongest online high yield savings accounts paying as much as 4.3 percent APY as of December 2, according to the latest rate survey from SignatureSchool.org.

Even after two Federal Reserve rate cuts this year, the top federally insured accounts deliver more than ten times the current national average of 0.41 percent reported by the FDIC. For anyone keeping cash in a traditional bank savings account, moving to one of these high yield options can add hundreds of dollars in interest each year with virtually no added risk.

After reviewing dozens of FDIC insured institutions, here are the ten best high yield savings accounts available nationwide right now, ranked by annual percentage yield and overall value.

1. SoFi High Yield Savings – Up to 4.30 percent APY SoFi leads the field with a promotional rate that reaches 4.30 percent for new members who enroll in SoFi Plus or set up qualifying direct deposits. The standard rate of 3.60 percent remains highly competitive, and the account carries no monthly fees or minimum balance requirements.
2. EverBank Performance Savings – 4.05 percent APY EverBank pays a flat 4.05 percent on all balances with daily compounding and no minimum deposit or ongoing fees.
3. Bask Interest Savings Account – 3.90 percent APY Bask Bank offers 3.90 percent APY across every dollar, with extended customer service hours that include Saturday support.
4. TAB Bank Save Account – 3.80 percent APY TAB Bank provides 3.80 percent APY with daily compounding and zero fees or minimums.
5. Barclays Online Savings – 3.60 percent APY Barclays delivers 3.60 percent APY plus a built in savings goal calculator at no cost.
6. Synchrony Bank High Yield Savings – 3.65 percent APY Synchrony combines 3.65 percent APY with an optional ATM card and up to $5 monthly in domestic ATM fee refunds.
7. UFB Portfolio Savings – 3.51 percent APY UFB Direct pays 3.51 percent APY and includes a complimentary ATM card with nationwide fee reimbursements.
8. American Express High Yield Savings – 3.40 percent APY American Express offers 3.40 percent APY with daily compounding and no fees, though access is limited to electronic transfers.
9. Capital One 360 Performance Savings – 3.40 percent APY Capital One pays 3.40 percent APY and allows users to create multiple savings buckets for different goals inside one account.
10. Ally Savings Account – 3.30 percent APY Ally rounds out the top ten with 3.30 percent APY plus automated savings tools such as round ups and surprise transfers.

All of these accounts are FDIC insured up to $250,000 per depositor and can be opened online in minutes with no opening deposit required unless otherwise noted.

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Financial experts emphasize that high yield savings accounts remain one of the safest and most flexible places to hold cash needed within the next few years, especially while rates stay well above historical norms. Interest earned is taxable, and rates are variable, meaning they can change at any time, but the current environment still strongly favors savers who shop around.

Consumers interested in these offers should verify the latest rates directly with each institution, as promotional periods and conditions apply to some of the highest yields.