Act Fast: 3 High-Yield Savings Accounts Still Offering APYs of 4.00% or Higher
KEY POINTS
- You could be missing out on hundreds or thousands of dollars in interest.
- The national average savings rate is only 0.41%.
- Watch out for tiered offers that give you a higher APY for meeting certain requirements.
In a world where interest rates are always changing, finding a high-yield savings account (HYSA) with a competitive annual percentage yield (APY) can feel like striking gold.
The current national average savings account APY is only 0.41%. While many banks have started lowering their rates, some financial institutions are still offering APYs of 4.00% or higher -- that's almost 10 times the national average.
If you're looking for a place to park your cash and let it grow, here are three standout high-yield savings accounts that continue to offer solid returns.
1. Barclays Tiered Savings -- 4.15% APY for balances of $250,000 or less
Barclays has long been a go-to for those seeking no-fuss online savings accounts with competitive rates. As of February 2025, accounts with balances less than $250,000 (likely most of us) earn a 4.15% APY, while those exceeding $250,000 enjoy an APY that's slightly higher.
Our Picks for the Best High-Yield Savings Accounts of 2025
| Product | APY | Min. to Earn | |
American Express® High Yield Savings
Member FDIC.
APY
3.70%
Rate info
3.70% annual percentage yield as of April 3, 2025. Terms apply.
Min. to earn
$0
Open Account for American Express® High Yield Savings
On American Express's Secure Website. |
3.70%
Rate info
3.70% annual percentage yield as of April 3, 2025. Terms apply.
|
$0
|
Open Account for American Express® High Yield Savings
On American Express's Secure Website. |
CIT Platinum Savings
Member FDIC.
APY
4.10% APY for balances of $5,000 or more
Rate info
4.10% APY for balances of $5,000 or more; otherwise, 0.25% APY
Min. to earn
$100 to open account, $5,000+ for max APY
Open Account for CIT Platinum Savings
On CIT's Secure Website. |
4.10% APY for balances of $5,000 or more
Rate info
4.10% APY for balances of $5,000 or more; otherwise, 0.25% APY
|
$100 to open account, $5,000+ for max APY
|
Open Account for CIT Platinum Savings
On CIT's Secure Website. |
Capital One 360 Performance Savings
Member FDIC.
APY
3.70%
Rate info
See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Feb. 6, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn
$0
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website. |
3.70%
Rate info
See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Feb. 6, 2025. Rates are subject to change at any time before or after account opening.
|
$0
|
Open Account for Capital One 360 Performance Savings
On Capital One's Secure Website. |
Barclays offers a consistently high APY without requiring a minimum deposit, making it ideal for both beginners and seasoned savers alike. Start earning a higher rate on your money today -- open a Barclays Tiered Savings account.
2. LendingClub LevelUp Savings -- 4.40% APY with $250+ in monthly deposits
LendingClub may be best known for peer-to-peer lending, but its high-yield savings account is also worth a look. It's currently offering 4.40% APY with $250+ in monthly deposits.
This account is great for those looking for a strong APY from a reputable fintech company. The $250 monthly deposit might seem like a drag, but setting up a direct deposit or automatic monthly transfer can make it worry-free. Open a LendingClub LevelUp Savings account now and take advantage of the high rate while it lasts.
3. UFB Portfolio Savings Account -- 4.01% APY
If you're looking for one of the highest APYs on the market, the UFB Portfolio Savings Account is a standout option. With 4.01% APY, it beats most competitors and offers robust online banking features.
UFB also offers a savings and checking bundle. By opening a UFB Freedom Checking account alongside your UFB Portfolio Savings Account and setting up qualifying direct deposits, you can increase your savings APY and enjoy a UFB Freedom Checking APY of 2.00% -- an impressive 25 times the national average for checking accounts.
Besides the direct deposits, you'll also need to maintain a minimum balance of at least $10,000 in savings and make 10 debit card transactions each month to earn the highest rate for each account. But even if you can't do that, earning the standard 4.01% on your savings -- almost 10 times the national average -- is reason enough to apply for the UFB Portfolio Savings Account today.
Secure a high APY while you can
Interest rates fluctuate, and these high-yield savings accounts won't offer the same returns forever. If you want to take advantage of 4.00% and higher APYs, now is the time to act. Whether you choose Barclays for its consistency, LendingClub for its easy entry, or UFB for its high standard rate and combo checking option, you can't go wrong.
If you're ready to earn more on your savings, compare top high-yield savings accounts and find the best fit for your financial goals.
Our Research Expert
Jake is a full-time Editorial Strategist for Motley Fool Money. He specializes in product ratings and all things credit cards, and wants to make sure each person has the best card for them.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. Motley Fool Money does not cover all offers on the market. Motley Fool Money is 100% owned and operated by The Motley Fool. Our knowledgeable team of personal finance editors and analysts are employed by The Motley Fool and held to the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands. Terms may apply to offers listed on this page. APYs are subject to change at any time without notice.