10 Best High-Yield Savings Accounts Of 2025

What do people want in a high-yield savings account? We commissioned a poll of 2,000 adult Americans to find out. Perhaps unsurprisingly, the top concern is high interest rates. However, the survey revealed other insights. We applied the survey’s results to create the methodology we use to rate hundreds of savings accounts.

There’s little point in signing up for a savings account if the yield isn’t among the very best on the market, which is why we gave it to the largest weighting, 40%, in our methodology. To be considered one of the best, you need to clear this important bar.

Still, you can’t base your decision solely on yields. You need to be able to trust that your bank is secure, especially if it’s a relatively new, online-only financial institution. That’s why we gave trust 25%—the second biggest weighting. That score comprises the grades we gave on the level of FDIC insurance (10%), total deposits at the bank (5%), iOS and Google Play app store scores (3% each), years in operation (2%) and Trustpilot and BBB Customer Rating (1% each). Americans also want to be able to access their accounts. We assigned 15% to access, which includes 5% for live chat support, 5% for mobile check deposit, 3% for the number of in-network ATMs and 2% for available branches. Next up was fees at 15%. A high interest rate is nice, but it’s much less valuable if you suffer through a series of charges that nickel-and-dime away your earnings. We considered monthly maintenance fees (10%), overdraft fees (2.5%) and wire transfer fees (2.5%). The last 5% was divided between the amount a bank requires to avoid a monthly fee (2.5%) and the minimum balance requirement (2.5%).

Our aim is to highlight banks anyone across the country can use, but we don’t showcase accounts that impose high balance minimums to either open or maintain an account. Minimum deposit requirements of $10,000 or higher affected scores negatively, as did high minimum balance requirements to avoid fees.

How Forbes Advisor Reviews Banks to learn more about our rating and review methodology and editorial process.