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Dec 2025

10 Best Savings Accounts of 2025

Find the savings account that fits your financial goals perfectly. Compare interest rates, fees, and features of leading banks and credit unions to make a decision that maximizes your earnings and supports your long-term financial growth.

1
9.8
EXCEPTIONAL

SoFi Checking and Savings Account

  • Up to 3.80% APY - Competitive interest rate on deposits

  • $0 monthly fees - No maintenance charges

  • $0 minimum deposit - Start earning interest immediately

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2
9.5
EXCELLENT

Barclays Tiered Savings

  • APY rates starting at 3.90% - Higher rates with larger balances

  • 24/7 access to your funds - Convenient anytime withdrawals

  • No monthly fees or minimums - Free account with no opening requirements

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3
9.3
EXCELLENT

U.S. Bank; Member FDIC

  • Up to $1,000 bonus - New account promotion with qualifying activities

  • No maintenance fee checking - Free account with no monthly charges

  • Fast payments - Accept payments and get paid quickly

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4
9.0
EXCELLENT

Western Alliance Bank High-Yield Savings Premier

  • Earn 4.25% APY - High-yield savings rate for individual or joint accounts

  • No account fees - Free savings account with no maintenance charges

  • FDIC insurance protection - Up to $250,000 individual, $500,000 joint coverage

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5
8.8
VERY GOOD

Lending Club - LevelUp Savings

  • Up to 4.20% APY - Competitive rates with monthly deposit option

  • No fees or minimums - Free account with no balance requirements

  • FDIC insured online bank - Secure deposits with digital-only banking

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6
8.4
VERY GOOD

Live Oak Bank - Savings Account

  • 4.10% APY - Competitive high-yield savings rate

  • No fees or minimums - Free account with no balance requirements

  • FDIC insured online bank - $250,000 protection with digital banking

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