Best High Yield Savings Accounts (HYSA) in the US
Inflation is real, but so are high interest rates. If your emergency fund is sitting in a traditional bank (like Chase or Bank of America) earning 0.01%, you are literally losing money.
In December 2025, online banks are fighting for your deposits. Here are the top contenders offering FDIC-insured safety and high returns.
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Top Picks for December 2025
1. Marcus by Goldman Sachs
- APY: 4.40% (Referral bonus can boost this to 5.40%)
- Min Balance: $0
- Why we love it: Same-day transfers and absolutely zero fees. The interface is clean and simple.
2. Ally Bank
- APY: 4.25%
- Features: "Buckets" feature helps you visualize saving goals (e.g., Vacation, Wedding).
- Support: 24/7 customer support that actually answers the phone.
3. SoFi Checking & Savings
- APY: 4.50% (Requires Direct Deposit)
- Bonus: Up to $300 sign-up bonus.
- Verdict: Best for those who want an all-in-one banking app.
What to Look For?
- FDIC Insurance: Never direct deposit money into a "fintech" app that doesn't clearly state it is FDIC insured up to $250,000.
- No Monthly Fees: A savings account should never charge you a maintenance fee.
- Liquidity: Ensure you can withdraw your money instantly (or within 1 business day).
Pro Tip: Rates are variable. If the Fed cuts rates in 2026, these will go down. Lock in your savings now!