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Best high-yield savings accounts for 2025

I love answering your questions and Danielle in Austin, Texas, wrote, “I see online banks that offer really high interest rates. Are they safe? My bank doesn’t even pay 1%!”

High-yield savings accounts (HYSAs) online earn much higher interest rates than what big-name banks like Chase or Wells Fargo offer. I wouldn’t go with just any online bank, though.

Stick with the established names, and make sure your deposits are FDIC-insured. Even if the bank fails, you’re covered up to $250,000 per depositor, per account type.

Here are four major online banks

These are FDIC-insured, have no monthly fees and no minimum deposit requirement. The differences boil down to interest rates, ATM access, number of withdrawals allowed per month and customer service.

📌 Marcus by Goldman Sachs – APY: 3.90%

Withdrawal Limitations: No specified limit on the number of withdrawals per month
Accessibility: No ATM access or physical branches; online and mobile banking available
Customer Service: 24/7 customer support via phone and chat

📌 Ally Bank – APY: 4.35%

Withdrawal Limitations: Federal regulations limit certain types of withdrawals to six per statement cycle
Accessibility: No physical branches; extensive ATM network and mobile banking with check deposit
Customer Service: 24/7 customer support via phone, chat and email

📌 Capital One 360 Performance Savings – APY: 3.70%

Withdrawal Limitations: No specified limit on the number of withdrawals per month
Accessibility: Physical branches and Capital One Cafés; online and mobile banking with check deposit
Customer Service: Available via phone and in person during branch hours

📌 American Express High Yield Savings – APY: 3.70%

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They’re the best

These are bestsellers for a reason. Hundreds of thousands of reviews can’t be wrong.

A pack of new T-shirts because yours are scraggly and stained. (Was I right?)
Raycon’s earbuds (20% off) sound just like the fancy-schmancy pairs* but without the fancy-schmancy price tag! Three cheers for 32 hours of battery life.
I have about 20 AirTags. So, so useful for keeping track of your stuff and a four-pack is 31% off.
Nightmare: You wake up to a giant pimple. Put one of these patches ($13) on, and (z)it’ll be gone in a few hours.
Ever tried resistance bands (10% off)? Love these for stretching and a quick workout.
Soft new sheets for $16? Dang, that’s a deal.

🏅 Refurbished: It’s a nicer word than used. Everything on Amazon is tested and guaranteed for 90 days.

We may earn a commission from purchases, but our recommendations are always objective.

Hearing loss progresses in stages: When it’s mild, you won’t hear whispers, and conversations in busy spots are tough. With moderate hearing loss, subtle sounds like ticking clocks or birds are hard to hear. With moderately severe loss, voices sound muffled. If you or someone you love is dealing with anything beyond mild hearing loss, check out the Horizon IX hearing aids.

Protect your heart and wallet

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Kate thought she found love with a charming surgeon overseas. Instead, she lost $40,000 to a scam.

I love it when things are functional … and mini. Mini is great, too.

A universal charging cable, complete with USB, USB-C, micro-USB and Apple Lightning adapters.
An emergency Advil stash (10% off).
A $9 seatbelt slicer and safety hammer for escaping a wrecked car.
An eyeglass repair kit under $5.
An Apple AirTag holder (30% off). Ta-da! Your keys are now unlosable.

I order supplements online: Mix two scoops of collagen* into your coffee or smoothie. I do this every morning to keep my skin, bones and joints happy. (Psst, it’s 45% off and you’ll get free shipping with my link.)

We may earn a commission from purchases, but our recommendations are always objective.

$5

Per fake review. That’s all foreign writers are paid to boost tourist spots. Italy wants to fight back by requiring would-be reviewers to provide ID, proof they visited the place and detailed opinions (paywall link). Speaking of … Did you hear about the Italian chef? He pasta way. We cannoli do so much. His legacy will become a pizza history. Here today, gone tomato, but it was his thyme to go. I am sending olive my love to his friends. His wife is really upset. Cheese crying. (Now, that was a great one!)

I love the weekend: My national radio show is airing all across the country. With over 400 stations strong, find your closest one using our super-duper station locator map. And because I aim to please, you can listen to my show as a podcast or watch it on YouTube.

Love at first sight

😊 I’m blushing at all the cash you’re about to save.

Your partner deserves a new, hot smartwatch band. Check out these red ones for Apple ($8) and Samsung ($9).
RFID wallets for men (36% off) and women (20% off) keep your cards safe from digital thieves.
Zen out with a diffuser and essential oils ($38, 28% off).
Love should be crystal clear, so etch your favorite pic in heart-shaped glass ($90).
Cuddle up in a heated throw blanket (36% off).
The key to your heart is never losing your stuff with a two-pack of Tile Bluetooth trackers (5% off) or four Apple AirTags (29% off).

▶️ More gadgets? Say no more. I’ve got a bunch of handpicked favorites for you.

We may earn a commission from purchases, but our recommendations are always objective.

Excel is so 2010: It’s easy to be a spreadsheet wiz in Google Sheets now that Gemini is built in. With a prompt, you can generate charts, analyze data and automate spreadsheet tasks. Open a new Sheet and click the Gemini icon (it’s a star) next to your profile picture. Love this tip? Try this on your dating app. “Are you a related data set in a separate table? Because I INDEX/MATCH you.” Yup, geek humor right there.

📦 Not bad for a side hustle: A California mom bought a few Amazon return pallets, listed the items on eBay and made $10,000 in the first month. Now, she runs a multimillion-dollar e-commerce business. Love American success stories like this. Do you have one? Let me know here.

🇺🇸 Made in America: Apple is hiring 20,000 folks for software and development jobs over the next four years and opening a new AI server factory in Houston next year. The $500 billion investment also includes building a manufacturing academy in Michigan. Love this.

✅ 50% off alert: My home security pick, SimpliSafe, is having a massive sale. I love their new Active Guard technology that alerts you before a break-in happens. You don’t need to live in fear or worry about burglars when you’re not home. Get all the gear to lock down your home for half off.

💘 Dating apps are out: My son has been telling me this for years. Folks are still finding love online but through shared interests and hobbies instead. Nate and Jess developed a long-distance relationship playing World of Warcraft. And it’s not just gaming. People are meeting through fitness apps like Strava, too, and social media DMs.

🙏 Siri to the rescue: I love stories about tech saving lives. A 70-year-old in Florida had a stroke and couldn’t reach his landline. He spent 48 hours drifting in and out of consciousness, then he crawled into the living room. He yelled for Siri to call his daughter, who then contacted 911. He’s doing well! Most stroke patients need help within an hour. Talk about beating the odds.

Hey, good-lookin’: You deserve to feel your best. Collagen has been a staple in my routine for years. Grab NativePath Collagen here with my link to save 45%. Add two scoops of your favorite flavor. I love chocolate!

📍 Bad form: Do you and your sweetie track each other? If you’re looking for love, not wanting to be tracked could be a relationship dealbreaker. Just ask Mihika (paywall link), who broke up with her boyfriend because he refused to share his GPS whereabouts. I like that Barry knows where I am and vice-versa, but, then again, we’ve been together forever.

⌨️ Shortcut bonanza because I know you love ‘em: On Windows, hit Windows key + L to lock your screen, Windows key + E to open File Explorer and Windows key + M to minimize all apps. The Mac equivalents: Cmd + Control + Q to lock your screen, Cmd + spacebar to open Spotlight Search and Cmd + Option + M to minimize your windows.

Hearing loss happens in phases: With mild hearing loss, whispers and soft sounds fade away. Busy places like restaurants make keeping up with conversations tough. When it progresses to moderate, subtle sounds like ticking clocks or birds are hard to hear. With moderately severe, voices sound muffled. If you or someone you love is dealing with anything beyond mild hearing loss, let me introduce you to the Horizon IX hearing aids.

Sandra Bullock warns: I’m not looking for love

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Scammers are using Sandra Bullock’s image to trick people out of money. She’s setting the record straight.

A pill to fight cancer: I hate cancer, so I love this news. A new drug called AOH1996 targets breast, prostate, brain, ovarian and other types of cancers. It goes after a protein mutation once called “undruggable” that fuels cancerous cell growth. AOH1996 kills off the bad cells and leaves healthy ones alone. They’re gearing up now for the first phase of human trials. Be sure to tell anyone who has cancer this major development in making this horrible disease a history lesson.