The best high-yield savings account rates on Nov. 20, 2025: Earn up to 5.00% APY
Right now, top high-yield savings accounts are offering up to 5.00% APY as of Nov. 20, 2025—and that blows away the FDIC’s national average of 0.40%. For savers who actually want their money to earn something, that’s worth paying attention to.
Whether you’re socking away an emergency fund, saving for something big like a vacation, putting away money ahead of buying gold or silver, or thinking long-term about retirement goals, a high-yield savings account deserves serious consideration. It’s a no-fuss way to get real returns.
The three highest-APY accounts we’ve identified are as follows:
Earn up to 5.00% with Varo Money. Earn up to 4.51% with Axos Bank. Earn up to 4.35% with Newtek Bank. Check Out Our Daily Rates Reports
Discover the highest high-yield savings rates, up to 5% for December 11, 2025. Discover the highest CD rates, up to 4.18% for December 11, 2025. Discover the current mortgage rates for December 11, 2025. Discover current refi mortgage rates report for December 11, 2025. Discover current ARM mortgage rates report for December 11, 2025. Discover the current price of gold for December 11, 2025. Discover the current price of silver for December 11, 2025. SponsoredAdvertiser DisclosureAdvertiser DisclosureCompare Personal Finance Options for 2021 Select all products of interest and compare:Product DescriptionsProduct DescriptionsChecking A transactional account that allows for numerous withdrawals and unlimited deposits. Money can be accessed via checks, ATMs, or debit card among other methods. Savings A bank account that keeps your money safe and secure, while paying you interest. MMA A Money Market Account is an interest-bearing deposit account at a bank or credit union that pays interest based on current rates in the money markets. CD A Certificate of Deposit features historically higher APYs, guaranteed returns & FDIC insurance. CDs are offered in fixed terms w/penalties for early withdrawals. 401K A 401k is a retirement-savings account that allows an employee to divert a portion of their salary into long-term investments and provides special tax benefits. Brokerage An investment account used by investors to buy and sell stocks, bonds, and mutual funds. Income from investments are taxed as capital gains. REIT A Real Estate Investment Trust owns and operates income-generating real estate. REITs allow investment in real estate without the need to own, operate, or finance properties. Robo Advisor A robo-advisor is an automated investing service that uses algorithms to provide financial advice and/or investment management help you manage your investment portfolio. Relatively inexpensive compared to a human financial advisor. Roth IRA An individual retirement account allows after-tax contributions of earned income below a certain level. Investment growth and future withdrawals are tax free. Traditional IRA An individual retirement account where you contribute pre-or after-tax dollars. Investment growth is tax-deferred until withdrawal. Financial Advisor Financial advisors help people manage their money and reach their financial goals. Annuity A financial contract with an insurance company where you make the investor makes a lump-sum payment or series of payments in exchange for regular disbursements in the future. Cash Management A cash account typically offered by nonbank financial institutions. CMAs combine features from traditional checking and savings accounts. Business Checking A business checking account is similar to a personal checking account, but allows you to separate your business and personal expenses. This can help you keep records organized and simplify your taxes. 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} #EiKKkzoWNGOShBik .ad-copy-top-section { margin-bottom: 15px; } #EiKKkzoWNGOShBik .sh-row-product-title { max-width: 136px; } #EiKKkzoWNGOShBik .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } } @media (max-width : 650px) { #EiKKkzoWNGOShBik .ad-copy-top-section { flex-direction: column; margin-bottom: 24px; } #EiKKkzoWNGOShBik .logo-image-wrapper { width: 100%; max-width: 292px; } #EiKKkzoWNGOShBik .listing-title { font: normal normal bold 18px/24px Roboto; padding: 0px !important; margin: 24px 0 0; text-align: left; } #EiKKkzoWNGOShBik .ad-copy { margin-left: 0; } #EiKKkzoWNGOShBik .ad-copy-disclosure-mobile { position: relative; display: flex; flex-direction: row; justify-content: space-between; align-items: center; margin: 16px; } #EiKKkzoWNGOShBik .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 90%; margin: auto; } #EiKKkzoWNGOShBik .sh-row-product-title { text-align: center; margin: 10px 16px 24px; max-width: none; } #EiKKkzoWNGOShBik .see-more-text { padding: 16px 15px; } #EiKKkzoWNGOShBik .disclosure-content ul li { font: normal normal normal 12px/18px Roboto; } #EiKKkzoWNGOShBik .top-section-right { margin-left: 0px; } #EiKKkzoWNGOShBik .disclosure-contnr { flex: 1; display: flex; justify-content: flex-end; } } @media (max-width: 340px) { #EiKKkzoWNGOShBik.sizeone .header-section { padding: 6px 10px; } } #EiKKkzoWNGOShBik.sh-box650.device-desktop .row-1 { padding-left: 14px; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .ad-copy, #EiKKkzoWNGOShBik.sh-box700.device-desktop .ad-copy, #EiKKkzoWNGOShBik.sh-box750.device-desktop .ad-copy, #EiKKkzoWNGOShBik.sh-box800.device-desktop .ad-copy, #EiKKkzoWNGOShBik.sh-box850.device-desktop .ad-copy, #EiKKkzoWNGOShBik.sh-box900.device-desktop .ad-copy, #EiKKkzoWNGOShBik.sh-box950.device-desktop .ad-copy { margin-left: 15px; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .logo-image-wrapper, #EiKKkzoWNGOShBik.sh-box700.device-desktop .logo-image-wrapper, #EiKKkzoWNGOShBik.sh-box750.device-desktop .logo-image-wrapper, #EiKKkzoWNGOShBik.sh-box800.device-desktop .logo-image-wrapper, #EiKKkzoWNGOShBik.sh-box850.device-desktop .logo-image-wrapper, #EiKKkzoWNGOShBik.sh-box900.device-desktop .logo-image-wrapper, #EiKKkzoWNGOShBik.sh-box950.device-desktop .logo-image-wrapper { width: 136px; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .listing-title, #EiKKkzoWNGOShBik.sh-box700.device-desktop .listing-title, #EiKKkzoWNGOShBik.sh-box750.device-desktop .listing-title, #EiKKkzoWNGOShBik.sh-box800.device-desktop .listing-title, #EiKKkzoWNGOShBik.sh-box850.device-desktop .listing-title, #EiKKkzoWNGOShBik.sh-box900.device-desktop .listing-title, #EiKKkzoWNGOShBik.sh-box950.device-desktop .listing-title { font: normal normal bold 18px/24px Roboto; margin-bottom: 12px; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .shmktpl-button, #EiKKkzoWNGOShBik.sh-box700.device-desktop .shmktpl-button, #EiKKkzoWNGOShBik.sh-box750.device-desktop .shmktpl-button, #EiKKkzoWNGOShBik.sh-box800.device-desktop .shmktpl-button, #EiKKkzoWNGOShBik.sh-box850.device-desktop .shmktpl-button, #EiKKkzoWNGOShBik.sh-box900.device-desktop .shmktpl-button, #EiKKkzoWNGOShBik.sh-box950.device-desktop .shmktpl-button { font: normal normal bold 16px/20px Roboto; width: 136px; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .prop-value-container .apy-container, #EiKKkzoWNGOShBik.sh-box700.device-desktop .prop-value-container .apy-container, #EiKKkzoWNGOShBik.sh-box750.device-desktop .prop-value-container .apy-container, #EiKKkzoWNGOShBik.sh-box800.device-desktop .prop-value-container .apy-container, #EiKKkzoWNGOShBik.sh-box850.device-desktop .prop-value-container .apy-container, #EiKKkzoWNGOShBik.sh-box900.device-desktop .prop-value-container .apy-container, #EiKKkzoWNGOShBik.sh-box950.device-desktop .prop-value-container .apy-container { flex: 0 0 44%; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .prop-value-container .mfee-container, #EiKKkzoWNGOShBik.sh-box700.device-desktop .prop-value-container .mfee-container, #EiKKkzoWNGOShBik.sh-box750.device-desktop .prop-value-container .mfee-container, #EiKKkzoWNGOShBik.sh-box800.device-desktop .prop-value-container .mfee-container, #EiKKkzoWNGOShBik.sh-box850.device-desktop .prop-value-container .mfee-container, #EiKKkzoWNGOShBik.sh-box900.device-desktop .prop-value-container .mfee-container, #EiKKkzoWNGOShBik.sh-box950.device-desktop .prop-value-container .mfee-container #EiKKkzoWNGOShBik.sh-box650.device-desktop .prop-value-container .minvalue-container, #EiKKkzoWNGOShBik.sh-box700.device-desktop .prop-value-container .minvalue-container, #EiKKkzoWNGOShBik.sh-box750.device-desktop .prop-value-container .minvalue-container, #EiKKkzoWNGOShBik.sh-box800.device-desktop .prop-value-container .minvalue-container, #EiKKkzoWNGOShBik.sh-box850.device-desktop .prop-value-container .minvalue-container, #EiKKkzoWNGOShBik.sh-box900.device-desktop .prop-value-container .minvalue-container, #EiKKkzoWNGOShBik.sh-box950.device-desktop .prop-value-container .minvalue-container { flex: 0 0 28%; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .sh-row-product-title, #EiKKkzoWNGOShBik.sh-box700.device-desktop .sh-row-product-title, #EiKKkzoWNGOShBik.sh-box750.device-desktop .sh-row-product-title, #EiKKkzoWNGOShBik.sh-box800.device-desktop .sh-row-product-title, #EiKKkzoWNGOShBik.sh-box850.device-desktop .sh-row-product-title, #EiKKkzoWNGOShBik.sh-box900.device-desktop .sh-row-product-title, #EiKKkzoWNGOShBik.sh-box950.device-desktop .sh-row-product-title { max-width: 136px; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .disclosure-content ul li, #EiKKkzoWNGOShBik.sh-box700.device-desktop .disclosure-content ul li, #EiKKkzoWNGOShBik.sh-box750.device-desktop .disclosure-content ul li, #EiKKkzoWNGOShBik.sh-box800.device-desktop .disclosure-content ul li, #EiKKkzoWNGOShBik.sh-box850.device-desktop .disclosure-content ul li, #EiKKkzoWNGOShBik.sh-box900.device-desktop .disclosure-content ul li, #EiKKkzoWNGOShBik.sh-box950.device-desktop .disclosure-content ul li { font: normal normal normal 12px/22px Roboto; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .ad-copy-top-section, #EiKKkzoWNGOShBik.sh-box700.device-desktop .ad-copy-top-section, #EiKKkzoWNGOShBik.sh-box750.device-desktop .ad-copy-top-section, #EiKKkzoWNGOShBik.sh-box800.device-desktop .ad-copy-top-section, #EiKKkzoWNGOShBik.sh-box850.device-desktop .ad-copy-top-section, #EiKKkzoWNGOShBik.sh-box900.device-desktop .ad-copy-top-section, #EiKKkzoWNGOShBik.sh-box950.device-desktop .ad-copy-top-section { margin-bottom: 15px; } @media (max-width: 767.5px) { #EiKKkzoWNGOShBik.sh-box650.device-desktop .row-1, #EiKKkzoWNGOShBik.sh-box700.device-desktop .row-1 , #EiKKkzoWNGOShBik.sh-box650.device-desktop .row-2, #EiKKkzoWNGOShBik.sh-box700.device-desktop .row-2 , #EiKKkzoWNGOShBik.sh-box500.device-desktop .row-1, #EiKKkzoWNGOShBik.sh-box550.device-desktop .row-1 , #EiKKkzoWNGOShBik.sh-box500.device-desktop .row-2, #EiKKkzoWNGOShBik.sh-box550.device-desktop .row-2{ display: unset; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .ad-copy, #EiKKkzoWNGOShBik.sh-box700.device-desktop .ad-copy, #EiKKkzoWNGOShBik.sh-box550.device-desktop .ad-copy, #EiKKkzoWNGOShBik.sh-box500.device-desktop .ad-copy { margin-right: 15px; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .apy-label, #EiKKkzoWNGOShBik.sh-box700.device-desktop .apy-label, #EiKKkzoWNGOShBik.sh-box550.device-desktop .apy-label, #EiKKkzoWNGOShBik.sh-box500.device-desktop .apy-label, #EiKKkzoWNGOShBik.sh-box650.device-desktop .prop-value, #EiKKkzoWNGOShBik.sh-box700.device-desktop .prop-value, #EiKKkzoWNGOShBik.sh-box550.device-desktop .prop-value, #EiKKkzoWNGOShBik.sh-box500.device-desktop .prop-value{ font: normal normal 900 18px/22px Roboto; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .logo-image-wrapper, #EiKKkzoWNGOShBik.sh-box700.device-desktop .logo-image-wrapper, #EiKKkzoWNGOShBik.sh-box550.device-desktop .logo-image-wrapper, #EiKKkzoWNGOShBik.sh-box500.device-desktop .logo-image-wrapper { width: 125px;; margin-bottom: 10px; } #EiKKkzoWNGOShBik.sh-box650.device-desktop .disclosure-contnr .listing-content-wrapper,#EiKKkzoWNGOShBik.sh-box700.device-desktop .disclosure-contnr .listing-content-wrapper,#EiKKkzoWNGOShBik.sh-box550.device-desktop .disclosure-contnr .listing-content-wrapper,#EiKKkzoWNGOShBik.sh-box500.device-desktop .disclosure-contnr .listing-content-wrapper { left: -25px; } } #EiKKkzoWNGOShBik .shmktpl-title, #EiKKkzoWNGOShBik .sub-heading-container, #EiKKkzoWNGOShBik .filter-check-options-cntnr, #EiKKkzoWNGOShBik .listing-header-cntnr { display: none; } #EiKKkzoWNGOShBik.title .shmktpl-title, #EiKKkzoWNGOShBik.subHeading .sub-heading-container, #EiKKkzoWNGOShBik.multiSelectFilter .filter-check-options-cntnr, #EiKKkzoWNGOShBik.resultsText .listing-header-cntnr { display: flex; } #EiKKkzoWNGOShBik.sizeone .add-overlay-content { width: 62%; height: auto; } #EiKKkzoWNGOShBik.sizeone .disclosure-title { padding: 6px 0px; } #EiKKkzoWNGOShBik.sizeone .header-section { padding: 6px 26px; background: #FFFFFF; color: grey; align-items: center; } #EiKKkzoWNGOShBik .sponsored { font: normal normal normal 12px/16px Roboto; letter-spacing: 0.48px; color: #344856; opacity: 1; } #EiKKkzoWNGOShBik.sizeone .title-container { margin-top: 0; } #EiKKkzoWNGOShBik.sizeone .non_featured_list { margin-top: 0; } #EiKKkzoWNGOShBik.arrowchange span.down-arrow { background-image: url("data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwMDAiLz4NCjwvc3ZnPg0K"); } #EiKKkzoWNGOShBik.arrowchange .shmktpl-button span.btn__text::after { background-image: url("data:image/svg+xml;base64,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"); } @media (min-width : 651px) and (max-width : 1024px) { #EiKKkzoWNGOShBik .item { flex: 1 1 calc(50% - 48px); } #EiKKkzoWNGOShBik .prod-desc-popup-content { height: auto; top: 10%; overflow-y: scroll; } #EiKKkzoWNGOShBik .item:nth-of-type(4n+3), #EiKKkzoWNGOShBik .item:nth-of-type(4n+3) + * { background-color: #E9F5FF; } #EiKKkzoWNGOShBik .item:nth-of-type(4n+1), #EiKKkzoWNGOShBik .item:nth-of-type(4n+1) + * { background-color: #fff; } #EiKKkzoWNGOShBik .shmktpl-button span.btn__text::after { top: 13px; right: -3px; background-size: 10px 10px; } #EiKKkzoWNGOShBik .ad-copy-column.flex-container { flex: 0 0 78%; } } @media (max-width : 650px) { #EiKKkzoWNGOShBik .desktop, #EiKKkzoWNGOShBik .desktop-inline { display: none; } #EiKKkzoWNGOShBik .mobile { display: block !important; } #EiKKkzoWNGOShBik { padding: 0 18px; } #EiKKkzoWNGOShBik .shmktpl-title { font-size: 24px; line-height: 29px; } #EiKKkzoWNGOShBik .shmktpl-subtitle { font-size: 16px; line-height: 19px; } #EiKKkzoWNGOShBik .add-overlay-content { width: 80%; height: auto; } #EiKKkzoWNGOShBik .logo-column.flex-container { flex: 0 0 100%; text-align: center; } #EiKKkzoWNGOShBik .row-1 { flex-flow: column; padding: 16px; } #EiKKkzoWNGOShBik .prop-conatiner { flex: 0 0 100%; flex-direction: row; flex-flow: row; display: flex; width: 100%; align-items: center; margin-top: 20px; } #EiKKkzoWNGOShBik .prop-conatiner .prop-name { flex: 0 0 49%; margin-bottom: 0px; } #EiKKkzoWNGOShBik .prop-conatiner .prop-value { flex: 0 0 49%; text-align: right; font: normal normal 900 22px / 26px Roboto; letter-spacing: 0.88px; } #EiKKkzoWNGOShBik .apy-label { font: normal normal 900 22px/26px Roboto; letter-spacing: 0.88px; } #EiKKkzoWNGOShBik .prop-conatiner.apy-container { display: flex; align-items: flex-start; } #EiKKkzoWNGOShBik .prop-value-container { display: flex; flex: 0 0 100%; justify-content: space-between; align-items: flex-start; padding: 0; flex-flow: column; } #EiKKkzoWNGOShBik .prop-value { margin-top: 0; } #EiKKkzoWNGOShBik .listing-header-cntnr { display: flex; justify-content: space-between; margin-top: 24px; } #EiKKkzoWNGOShBik .non_featured_list { margin-top: 18px; } #EiKKkzoWNGOShBik .prod-desc-popup-content { top: 10%; position: absolute; min-width: 80%; width: 90%; overflow: scroll; height: 100%; } #EiKKkzoWNGOShBik .item { flex: 0 0 91%; padding-bottom: 0; padding: 16px; } #EiKKkzoWNGOShBik .item:nth-child(3n), #EiKKkzoWNGOShBik .desktop-bg { background: none; } #EiKKkzoWNGOShBik .prod-desc-popup-content { padding: 0; } #EiKKkzoWNGOShBik .prod-desc-content-cntnr .prod-desc-header { padding-bottom: 0; padding: 16px; } #EiKKkzoWNGOShBik .item:nth-child(even) { background: #E9F5FF 0% 0% no-repeat padding-box; } #EiKKkzoWNGOShBik .fdic-seemoreless-cntr { display: flex; justify-content: space-between; align-items: center; margin: 0; flex-flow: row wrap; } #EiKKkzoWNGOShBik .fdic-seemoreless-cntr .fdic-insured { color: #08283B; flex: 0 0 44%; text-align: left; } #EiKKkzoWNGOShBik .fdic-seemoreless-cntr .listing-description { display: flex; flex: 0 0 100%; flex-flow: column; background: #F2F9FF 0% 0% no-repeat padding-box; } #EiKKkzoWNGOShBik .listing-description .disclosure-content { margin-top: 0px; padding: 16px 14px; } #EiKKkzoWNGOShBik .disclosure-content ul { padding-left: 14px; line-height: 28px; } #EiKKkzoWNGOShBik .disclosure-content ul li { flex: 0 0 100%; padding: 0; margin: 0; font-size: 12px; } #EiKKkzoWNGOShBik .additional-features { flex: 0 0 100%; } #EiKKkzoWNGOShBik .disclosure-contnr .listing-content-wrapper { top: -85px; left: 0; width: 90%; } #EiKKkzoWNGOShBik.sizeone .listing-header-cntnr { display: none; } #EiKKkzoWNGOShBik.sizeone .add-overlay-content { width: 80%; } } @media (max-width: 340px) { #EiKKkzoWNGOShBik .fdic-seemoreless-cntr .fdic-insured { flex: 0 0 43%; } #EiKKkzoWNGOShBik .prod-desc-popup-content { position: fixed; } } #EiKKkzoWNGOShBik.listingAlignment .shmktpl-button span.btn__text { line-height: 40px; color: #fff; margin-right: 10px; } #EiKKkzoWNGOShBik.listingAlignment .shmktpl-button span.btn__text::after { width: 24px; } @media (max-width: 1024px) and (min-width:768px) { #EiKKkzoWNGOShBik.listingAlignment .logo-image-wrapper img { width: 100%; } #EiKKkzoWNGOShBik.listingAlignment { padding: 0px; } #EiKKkzoWNGOShBik.listingAlignment .listing-title { font-size: 14px; } #EiKKkzoWNGOShBik.listingAlignment .listing-title span { font-size: 14px; } #EiKKkzoWNGOShBik.listingAlignment .row-1 { padding: 26px 10px; } #EiKKkzoWNGOShBik.listingAlignment .prop-name { font-size: 10px; } #EiKKkzoWNGOShBik.listingAlignment .prop-value { font-size: 14px } #EiKKkzoWNGOShBik.listingAlignment .shmktpl-button span.btn__text { font-size: 10px; margin-right: 10px; } } @media all and (max-width: 600px) { #EiKKkzoWNGOShBik.listingAlignment .logo-column.flex-container { flex: unset; } #EiKKkzoWNGOShBik.listingAlignment .prop-conatiner { flex: unset; } #EiKKkzoWNGOShBik.listingAlignment .ad-copy-column.flex-container { flex: unset; } #EiKKkzoWNGOShBik.listingAlignment .cta-column.flex-container { flex: unset; } #EiKKkzoWNGOShBik.listingAlignment .disclosure-content ul li::before { content: unset; } #EiKKkzoWNGOShBik.listingAlignment .disclosure-content ul li { list-style: disc; } } #EiKKkzoWNGOShBik.ctaAlignment .shmktpl-button { width: 100%; font-size: 14px; } #EiKKkzoWNGOShBik.ctaAlignment .shmktpl-button .btn__text { margin-right: 10px; } #EiKKkzoWNGOShBik.ctaAlignment .shmktpl-button span.btn__text::after { right: -2px; background-size: 6px 13px; } @media (min-width: 651px) and (max-width: 1024px) { #EiKKkzoWNGOShBik.ctaAlignment .shmktpl-button span.btn__text::after { right: -7px; } #EiKKkzoWNGOShBik.ctaAlignment .shmktpl-button span.btn__text::after { background-size: 6px 10px; } #EiKKkzoWNGOShBik.ctaAlignment .shmktpl-button { font-size: 13px; } } @media (max-width: 650px) { #EiKKkzoWNGOShBik.ctaAlignment .logo-column.flex-container { flex: unset !important; justify-content: center; } #EiKKkzoWNGOShBik.ctaAlignment .cta-column.flex-container { display: block !important; } #EiKKkzoWNGOShBik.ctaAlignment .shmktpl-button { font-size: 16px; } #EiKKkzoWNGOShBik.ctaAlignment .shmktpl-button .btn__text { margin-right: unset; } #EiKKkzoWNGOShBik.ctaAlignment .shmktpl-button span.btn__text::after { right: unset; background-size: 12px 12px; } } #EiKKkzoWNGOShBik .sh-no-listing-msg { padding: 20px 0px; } #EiKKkzoWNGOShBik .sh-widget-footer-MBT { display: none; } #EiKKkzoWNGOShBik.poweredByMBT .sh-widget-footer-MBT { display: flex; justify-content: flex-end; align-items: center; } #EiKKkzoWNGOShBik.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #EiKKkzoWNGOShBik.poweredByMBT .sh-widget-footer-MBT .sh-footer-logo .sh-MBTlogo-div > img { padding-left: 8px; } #EiKKkzoWNGOShBik .sh-widget-footer-QS { display: none; } #EiKKkzoWNGOShBik.poweredByQS .sh-widget-footer-QS { display: flex; justify-content: flex-end; align-items: center; } #EiKKkzoWNGOShBik.poweredByQS .sh-widget-footer-QS .sh-footer-logo { font: normal normal normal 12px/14px Roboto; letter-spacing: 0px; color: #686868; display: flex; align-items: center; padding-top: 24px; width: 163px; } #EiKKkzoWNGOShBik.poweredByQS .sh-widget-footer-QS .sh-footer-logo .sh-qslogo-div > img { padding-left: 8px; } @-moz-document url-prefix() { #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px; line-height: 24px; margin-top: -1px; margin-left: -9px; margin-right: -10px; background: #FF4500; position: relative; border-radius: 0px 0px 0px 0px; display: inline-block; font-family: Roboto, sans-serif; color: #fff; padding: 0px 1px 0 15px; margin-bottom: -6px; } #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { color: #fff; font-size: 14px; } #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { height: 0; width: 0; border-top: 8px solid #FF4500; border-left: 8px solid transparent; bottom: -8px; content: ""; position: absolute; left: 0px; } #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { right: 1px; transform: translateX(100%); border-left-width: 100%; border-right-color: transparent; content: ""; position: absolute; display: block; border: 12px solid #FF4500; border-right-color: transparent; top: 0px } @media (min-width : 768px) and (max-width : 1024px) { @-moz-document url-prefix() { #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon { height: 24px !important; } } } } @media (min-width : 768px) and (max-width : 900px) { #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { font-size: 14px; } } @media (max-width : 767px) { #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon { border-radius: 0px; margin-top: -1px; box-sizing: unset !important; height: 100% !important; width:100%; padding: 8px 9px; margin-bottom: 8px; } #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text { display: block; text-align: center; line-height: 16px; font-size: 14px; } #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { height: 0; width: 0; border-top: 8px solid #FF4500; border-right: 8px solid transparent; right: 9px; top: unset; bottom: -8px; border-left: 0px; border-bottom: 0px; } @-moz-document url-prefix() { #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } @media not all and (min-resolution:.001dpcm) { @supports (-webkit-appearance:none) { #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-promo-ribbon { height: 100% !important; width: 100% !important; } } } } #EiKKkzoWNGOShBik.customizeColorEffect .listing-title, #EiKKkzoWNGOShBik.customizeColorEffect .prop-name, #EiKKkzoWNGOShBik.customizeColorEffect .prop-value, #EiKKkzoWNGOShBik.customizeColorEffect .curDate, #EiKKkzoWNGOShBik.customizeColorEffect span.current-date, #EiKKkzoWNGOShBik.customizeColorEffect .disclosure-content ul li, #EiKKkzoWNGOShBik.customizeColorEffect .title { color: #1E2B22; font-family: Open Sans, sans-serif; } #EiKKkzoWNGOShBik.customizeColorEffect .add-text, #EiKKkzoWNGOShBik.customizeColorEffect .see-more-text, #EiKKkzoWNGOShBik.customizeColorEffect .disclosure-contnr .text { color: #5B7B66; } #EiKKkzoWNGOShBik.customizeColorEffect .shmktpl-button { background: #EB0017 0% 0% no-repeat padding-box; } #EiKKkzoWNGOShBik.customizeColorEffect .listing.flex-container { border-bottom: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; } #EiKKkzoWNGOShBik.sizeone.customizeColorEffect .header-section { border-bottom: 1px solid #D6D5D5; border-top: 1px solid #D6D5D5; border-right: 1px solid #D6D5D5; border-left: 1px solid #D6D5D5; } #EiKKkzoWNGOShBik.customizeColorEffect .non_featured_list { border-top: 1px solid #D6D5D5; } #EiKKkzoWNGOShBik.sizeone.customizeColorEffect .header-section, #EiKKkzoWNGOShBik.customizeColorEffect .row-2 { background: #E9F0EC; } #EiKKkzoWNGOShBik.customizeColorEffect .listing-title { display: unset; } #EiKKkzoWNGOShBik.customizeColorEffect span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiM1QjdCNjYiLz4NCjwvc3ZnPg0K); } #EiKKkzoWNGOShBik.customizeColorEffect .listing-title .prod-name:hover, #EiKKkzoWNGOShBik.customizeColorEffect .listing-title:hover, #EiKKkzoWNGOShBik.customizeColorEffect .add-text:hover, #EiKKkzoWNGOShBik.customizeColorEffect .disclosure-contnr .text:hover, #EiKKkzoWNGOShBik.customizeColorEffect .see-more-text:hover { color: #EB0017; } #EiKKkzoWNGOShBik.customizeColorEffect .shmktpl-button:hover { background: #EB0017; } #EiKKkzoWNGOShBik.customizeColorEffect .see-more-text:hover span.down-arrow { background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiNFQjAwMTciLz4NCjwvc3ZnPg0K); } @media (max-width: 650px) { #EiKKkzoWNGOShBik.customizeColorEffect .fdic-seemoreless-cntr .listing-description { background: #E9F0EC 0% 0% no-repeat padding-box; } #EiKKkzoWNGOShBik.customizeColorEffect .listing-title { display: block; } #EiKKkzoWNGOShBik.customizeColorEffect .fdic-seemoreless-cntr .see-more-text { color: #5B7B66; } #EiKKkzoWNGOShBik.customizeColorEffect .fdic-seemoreless-cntr .see-more-text:hover { color: #EB0017; } } #EiKKkzoWNGOShBik .sh-right-arrow { display: none; } #EiKKkzoWNGOShBik.ctaWithArrow .sh-right-arrow { display: inline-block; background-image: url('data:image/svg+xml;base64,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'); background-repeat: no-repeat; width: 16px; height: 16px; vertical-align: middle; margin-left: 7px; } #EiKKkzoWNGOShBik .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: none; } #EiKKkzoWNGOShBik.gbBanner .listing .listing-content-wrapper .sh-gb-banner.sh-promo-ribbon { display: inline-block; } #EiKKkzoWNGOShBik.hidePromoText .listing .listing-content-wrapper .sh-promo-ribbon{ display: none; } #EiKKkzoWNGOShBik{position:relative;}.add-overlay-content{right: 4%;}#EiKKkzoWNGOShBik .shmktpl-button span.btn__text::after{display:none;} #EiKKkzoWNGOShBik .listing-content-wrapper .disclosure-content a {color: #1C96F0; text-decoration: underline;} @media (min-width:768px){ #EiKKkzoWNGOShBik .shmktpl-button:hover{background:#0E86DE;} #EiKKkzoWNGOShBik .add-text:hover {color:#0E86DE;} #EiKKkzoWNGOShBik .listing-title .prod-name:hover{color:#0E86DE;} #EiKKkzoWNGOShBik .disclosure-contnr .text:hover{color:#0E86DE;} #EiKKkzoWNGOShBik .see-more-text{width:68px} #EiKKkzoWNGOShBik .see-more-text:hover{color:#0E86DE;} #EiKKkzoWNGOShBik .see-more-text:hover span.down-arrow{background-image: url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI4LjcxNSIgaGVpZ2h0PSI1LjM0NiIgdmlld0JveD0iMCAwIDguNzE1IDUuMzQ2Ij4NCiAgPHBhdGggaWQ9IlBhdGhfNTUzIiBkYXRhLW5hbWU9IlBhdGggNTUzIiBkPSJNMjM2LjQ3MSwzNTAuNzA5bC0uOTg5LS45ODksNC4zNTctNC4zNTcsNC4zNTcsNC4zNTctLjk4OS45ODktMy4zNjgtMy4zNjhaIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgtMjM1LjQ4MiAtMzQ1LjM2MykiIGZpbGw9IiMwRTg2REUiLz4NCjwvc3ZnPg0K);}} #qsWidgetContainer175, #qsWidgetContainer175 [data-widget-id] { background-color: transparent; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; letter-spacing: .5px; padding: 0; } #qsWidgetContainer175 .sizeone .header-section { border-bottom: 0 none; color: #666; font-weight: 600 !important; padding: 6px 0; } #qsWidgetContainer175 .sponsored { font-family: inherit; letter-spacing: .5px; } #qsWidgetContainer175 .sponsored .add-text { color: inherit !important; } #qsWidgetContainer175 .sponsored:not(.sponsored + .sponsored) { color: inherit; font-weight: 600; text-transform: uppercase; } #qsWidgetContainer175 .non_featured_list { background-color: transparent; border-top: 0 none; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing { border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-bottom: 40px; } #qsWidgetContainer175 .listing { background-color: #fff; border: 1px solid #F2F2F2 !important; box-shadow: 4px 4px 20px 0 #1111110D; margin-top: 40px; } #qsWidgetContainer175 .listing:first-child { margin-top: 0; } #qsWidgetContainer175 .ad-copy-bottom-section { background-color: #F9F9F9; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon { align-items: center; background: #007B9D !important; display: flex; font-family: inherit; font-weight: 600; height: auto; justify-content: center; margin: 0; padding: 4px 16px; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::before { display: none; } #qsWidgetContainer175 .listing .listing-content-wrapper .sh-promo-ribbon span.sh-promo-text::after { display: none; } #qsWidgetContainer175 .logo-column.flex-container, #qsWidgetContainer175 .ad-copy-column.flex-container { flex-grow: 1; flex-shrink: 1; } #qsWidgetContainer175 .disclosure-contnr .text { color: #666 !important; } #qsWidgetContainer175 .prop-name { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-weight: 500; letter-spacing: .5px; line-height: 150%; margin-bottom: 8px; } #qsWidgetContainer175 .apy-label, #qsWidgetContainer175 .curDate, #qsWidgetContainer175 .prop-value { font-family: var(--graphik-compact), Graphik Compact, Arial Narrow, Helvetica neue Condensed, sans-serif !important; font-size: 16px !important; font-weight: 600 !important; line-height: 150%; } #qsWidgetContainer175 .curDate { font-size: 12px !important; font-weight: 500 !important; margin-top: 4px; } #qsWidgetContainer175 .listing-title .prod-name:hover { color: #111; } #qsWidgetContainer175 .shmktpl-button { border-radius: 0; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; height: auto; letter-spacing: .5px; line-height: 150%; padding: 12px 16px; } #qsWidgetContainer175 .ad-copy-bottom-section { padding: 0; } #qsWidgetContainer175 .prop-value-container { align-items: stretch; } #qsWidgetContainer175 .prop-conatiner { padding: 12px; position: relative; } #qsWidgetContainer175 .prop-conatiner:not(:first-child):before { background-color: #fff; content: ' '; height: calc(100% + 24px); position: absolute; left: -12px; top: -12px; width: 2px; } #qsWidgetContainer175 .sh-row-product-title { color: #666; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 12px; font-style: normal; letter-spacing: .5px; } #qsWidgetContainer175 .see-more-text { background-color: #F2F2F2; } #qsWidgetContainer175 .see-more-text + .row-2 { background-color: #F9F9F9 !important; } #qsWidgetContainer175 .description-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 600; line-height: 120%; text-transform: none; } #qsWidgetContainer175 svg.shArrow path { fill: #111 !important; } #qsWidgetContainer175 #sh-star-icon { top: -2px; } #qsWidgetContainer175 #sh-star-icon svg path:first-child { fill: #007B9D !important; } #qsWidgetContainer175 #see_more_carrier, #qsWidgetContainer175 .see_less_carrier { background-color: #F2F2F2; color: #111; } /** CD Styles */ #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-container { padding: 0; } #qsWidgetContainer175 .cdBankingDesignChanges #sh-header-container { border-bottom: 1px solid #F2F2F2; margin-bottom: 0; padding: 6px 0; } #qsWidgetContainer175 #sh-star-icon:before { background-color: #007B9D; content: ' '; display: block; height: 10px; left: 0; position: absolute; top: 1.5px; width: 10px; } #qsWidgetContainer175 .listing-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif !important; } #qsWidgetContainer175 .shmktpl-sponsored, #qsWidgetContainer175 .cdBankingDesignChanges .shmktpl-disclosure-button { color: #666 !important; font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-weight: 600; line-height: 150%; } #qsWidgetContainer175 .sh-logo { flex-shrink: 1; } #qsWidgetContainer175 .shmktpl-sponsored { text-transform: uppercase; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-listing-content-wrapper { box-shadow: none; gap: 24px; margin-bottom: 0; padding: 24px; } #qsWidgetContainer175 .disclosure-content ul li { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; font-size: 16px; font-weight: 500; letter-spacing: .5px; line-height: 150%; } #qsWidgetContainer175 .sh-fdic-insured .sh-icon svg path { fill: #666 !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-date { margin-right: 0; padding-top: 0; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-product-title.sh-bank-name { font-style: normal; font-weight: 400; margin-right: 0; margin-top: 4px; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-row-container { align-items: flex-start; } #qsWidgetContainer175 .cdBankingDesignChanges .product-details-container > .sh-row-container { align-items: center !important; } #qsWidgetContainer175 .cdBankingDesignChanges .sh-first-product .sh-title-container { height: auto; min-height: 0; padding: 12px; } #qsWidgetContainer175 .sh-title { font-family: var(--graphik-cond),Graphik Cond,Arial Narrow,Helvetica neue Condensed,sans-serif; 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The highest savings account rates on November 20, 2025 Fortune has partnered with the financial industry consultants at Curinos to give you an accurate look at the highest savings account rates on the market. Varo Money tops the list, followed by Axos Bank and Newtek Bank. Read on to see our full list of HYSAs and find the one that’s right for your needs.
What the Fortune/Curinos partnership means for you We partner with Curinos—an industry leader that has operated in the financial services space for over three decades—to track daily rates across savings accounts and CDs from a wide range of institutions. That consistent stream of reports helps us build a genuinely useful resource to point you toward accounts worth your attention.
History of savings account rates While the average savings account rate has increased from the lows seen from 2020 to 2022, it’s still far below the APYs available on the most generous high-yield savings accounts on our list.
Why should you choose a high-yield savings account? Let’s first clarify that “high-yield savings account” isn’t an official product category. It’s shorthand for any savings account at a bank or credit union offering rates that significantly outpace the industry average.
In many cases, high-yield savings accounts are offered by online banks rather than those with brick-and-mortar branches. By not having to pay for branch infrastructure, and oftentimes by offering a slimmed-down selection of products, online banks can provide higher rates to their customers.
Pro tip Learn more about different types of savings accounts.
If you’re comfortable with online banking, switching to a high-yield account can substantially boost the interest you earn on your savings. Depending on your balance and account’s specific APY, you could potentially pocket hundreds more each year versus sticking with a traditional savings account.
How much interest can you earn with a higher APY? Here’s a hypothetical to illustrate why HYSAs are worthwhile. Imagine $5,000 sitting untouched for a year. The estimates below show what one might earn in an account with a 5.00% APY compared to one with a mere 0.40% APY (assuming the APY stays consistent over this period).
Initial Deposit Estimated Interest 0.40% APY $5,000 $22 5.00% APY $5,000 $256
0.40% APY Initial Deposit $5,000 Estimated Interest $22 5.00% APY Initial Deposit $5,000 Estimated Interest $256
It’s a relatively easy change to make, and one that offers a real, tangible financial benefit.
What should you look for in a high-yield savings account? When you’re shopping around, prioritize these elements:
Solid interest rates. Hunt for APYs that’ll actually make a difference in what you earn.Low or zero minimums. Most high-yield accounts won’t force you to start with thousands, which helps if you’re beginning your savings journey.Lack of fees. Steer clear of accounts charging monthly maintenance fees that’ll gnaw away at your interest.Accessible funds. Confirm you can withdraw or transfer money freely—be cognizant of withdrawal restrictions or foreign ATM charges.Protected deposits. Make sure you’ve got FDIC insurance for bank accounts or NCUA insurance for credit union accounts.Do be aware you’ll owe taxes on the interest you earn.
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The best savings account rates from our partners for December 12, 2025 Account Type Savings & MMAs
Savings & MMAs MMAs Only Savings Only ZIP Code Deposit Amount $FEATURED OFFERSAPYMIN. BALANCE FOR APYEST. EARNINGSLoading...
3.40 %December 12, 2025
$ 0$ 850Over 1 Year
Savings AccountCapital OneMember FDICPromoted OfferOpen a 360 Performance Savings account and grow your money today.OPEN ACCOUNTOFFER DETAILSQUICK LOOK
READ BANK REVIEW
3.75 %December 12, 2025
$ 100$ 938Over 1 Year
Savings AccountCIT BankMember FDICPromoted Offer Earn up to $300 cash bonus with minimum deposit. Terms apply.OPEN ACCOUNTOFFER DETAILSQUICK LOOK
READ BANK REVIEW
3.65 %December 12, 2025
$ 0$ 912Over 1 Year
Savings AccountMarcus by Goldman SachsMember FDICPromoted OfferBacked by the financial expertise of Goldman Sachs.OPEN ACCOUNTOFFER DETAILSQUICK LOOK
READ BANK REVIEWFrequently asked questions Are savings account rates going to fall? Potentially. When the Federal Reserve adjusts its benchmark federal funds rate, financial institutions follow along in many instances. Since the Fed kicked off some recent rate cuts in late 2025—good news for borrowers, less so for savers—there’s a legitimate possibility of some savings account rates going down as well.
Can I lose money in a high-yield savings account? As long as your account is insured by the FDIC or NCUA, your deposits are protected up to a $250,000 maximum per institution. And, unlike stock investments, your savings account balance isn’t at the mercy of market swings, though inflation running ahead of your APY could eat away at your purchasing power.
Is a high-yield savings account still worth it? Yes. Despite recent Fed rate cuts, numerous high-yield savings accounts still deliver near or even over 4.00% APY. These accounts are effectively the best option for earning substantial interest on your money while keeping it readily accessible. However, if you’re open to locking your funds away for a set period of a time, a CD could be worth considering as an alternative.
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The best high-yield savings account rates on Nov. 20, 2025: Earn up to 5.00% APY 
