Best High-Yield Savings Accounts in the U.S. (2025 Edition)
What Is a High‑Yield Savings Account (HYSA)? A high‑yield savings account is a bank or online savings account that offers a significantly higher interest (annual percentage yield, or APY) than what traditional savings accounts offer, often by taking advantage of lower overhead (e.g. online banks, no branch network). The main benefits: However, a HYSA typically comes with variable rates (they can go up or down), sometimes minimum balance requirements or other conditions, and withdrawal or transaction rules (under federal Reg …