Best High-Yield Savings Accounts of September 2025

• Editor's Pick

Axos ONE® Savings and Checking Bundle

• APYUp to 4.46% More Info

  Earn up to 4.46% APY on savings, and 0.51% APY on checking when you meet requirements.

• Intro BonusN/A
• Minimum
  Deposit RequiredN/A
• Monthly
  Maintenance Fee$0

• Product Details

  • Earn up to 4.46% APY on savings, and 0.51% APY on checking when you meet requirements.
  • It's easy to earn the boosted rates for One Savings (4.46% APY*) and One Checking (0.51% APY*). In your Axos One checking account, receive qualifying monthly direct deposits of at least $1,500 in total by the 25th of each month and maintain an average daily balance of $1,500.
  • Get your money up to 2 days early. You’ve earned it, so start earning on it.
  • No monthly maintenance, minimum balance, account opening, or overdraft fees.
  • We’ve got you covered. Access expanded FDIC Insurance for up to $250 million.
  • Access a network of over 95,000 fee-free ATMs.
  • Manage all your bank accounts from one place in the Axos app.
  • Link external accounts in the app to move your money seamlessly.

• Why We Like It

  Assuming you can meet the requirements to earn its boosted interest rate, the Axos ONE® bundle offers competitive APYs on both checking and savings balances. While the base rates aren't quite as impressive, the lack of a monthly maintenance fee or minimum opening deposit requirement make it easy to recommend if you want to maximize your interest earnings.

• Editor's Pick

SoFi® Checking and Savings

• APY0.50% - 3.80% More Info

  SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.

• Intro Bonus$50-$300Expires January 31, 2026 More Info

  New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.80% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.

• Minimum
  Deposit RequiredN/A
• Monthly
  Maintenance Fee$0

• Product Details

  • Bonus: Up to $300 with direct deposit
  • APY: Up to 3.80% (direct deposit, minimum monthly deposit or monthly SoFi Plus subscription fee payment required)
  • Monthly Fees: None
  • Minimum Balance Requirement: None

• Why We Like It

  SoFi Checking and Savings boasts an impressive APY of up to 3.80% on savings balances for customers who set up direct deposit or who deposit at least $5,000 each month. Alternatively, customers can also unlock the top rate by paying the monthly SoFi Plus Subscription Fee. This account also offers 0.50% APY on checking balances. There are no monthly maintenance fees, and new customers can even earn a generous signup bonus worth up to $300. If you don’t care about physical bank locations, this is a great option.

BrioDirect High-Yield Savings Account

• APY4.30% More Info

  *Annual Percentage Yield (APY) is variable and is accurate as of 6/10/2025. Rate is subject to certain terms and conditions. You must deposit at least $5,000 to open your account and maintain $25 to earn the disclosed APY. Rate and APY may change at any time. Fees may reduce earnings.

• Intro BonusN/A
• Minimum
  Deposit Required$5,000
• Monthly
  Maintenance Fee$0

• Product Details

  • One of the best rates around
  • Keep track of your savings with online and mobile banking
  • No monthly maintenance fee

• Why We Like It

  BrioDirect's Direct High-Yield Savings Account offers customers one of the highest interest rates on the market. While its minimum opening deposit requirement is higher than average, all balances over $25 earn its disclosed APY.

CIT Bank Platinum Savings Account

• APY3.85% More Info

  Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. *APYs — Annual Percentage Yields are accurate as of September 23, 2025: 0.25% APY on balances of $0.01 to $4,999.99; 3.85% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.

• Intro BonusUp to $300Expires December 8, 2025 More Info

  This limited-time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025, and can end at any time without notice. Customers will receive a $225 or a $300 bonus provided that the program requirements are met. Click here to see promotion details and terms.

• Minimum
  Deposit Required$100
• Monthly
  Maintenance Fee$0 More Info

  For complete list of account details and fees, see our Personal Account disclosures: https://cit-fcb-t.cit.com/cit-bank/resources/forms

• Product Details

  • Your CIT Bank account is FDIC insured, which means it's secure.
  • CIT Bank's mobile app makes it easy to manage your account.
  • No account opening or monthly services fees, so you can keep what you earn.

• Why We Like It

  The CIT Bank Platinum Savings account offers one of the top APYs on the market right now, and CIT's flexible transfer options make it easy to access your money. So long as you're able to consistently maintain an account balance of $5,000 (the minimum amount required to earn this account's top APY) you'll likely find a lot of value in this account.

UFB Direct Portfolio Savings Account

• APY3.90% More Info

  UFB Direct breaks balances into five tiers, but, currently, there is only one interest rate.

• Intro BonusN/A
• Minimum
  Deposit RequiredN/A
• Monthly
  Maintenance Fee$0

• Product Details

  • Earn up to 3.90% APY
  • No maintenance or service fees
  • No minimum deposit requirement
  • Complimentary ATM card
  • Digital tools for seamless remote banking
  • Free transfers between direct deposit accounts

• Why We Like It

  The UFB Direct Portfolio Savings Account has a solid interest rate of 3.90% APY. Plus, there are no monthly fees and no minimum balance to open.

Valley Direct Savings Account

• APYUp to 4.30% More Info

  New customers can earn 4.30% APY when they open an account with a minimum opening deposit of $1,000. Existing customers (or customers whose opening deposit totals less than $1,000) earn 3.75% APY.

• Intro BonusN/A
• Minimum
  Deposit Required$1
• Monthly
  Maintenance Fee$0

• Product Details

  • For new customers only: Earn 4.30% APY, $1,000 minimum account opening deposit required
  • For existing customers of Valley Bank or Valley Direct: Grow your savings with 3.75% APY
  • That's more than 9x the national average
  • Open your account with as little as $1
  • No monthly maintenance fee

• Why We Like It

  The Valley Direct Savings Account offers customers a healthy APY. It also has no monthly maintenance fees, and can be opened with a deposit of $1 or more.

CIT Bank Savings Connect Account

• APY3.75% More Info

  APY — Annual Percentage Yield is accurate as of September 23, 2025. Interest Rates for the Savings Connect Account are variable and may change at any time without notice. The minimum to open a Savings Connect account is $100. Fees could reduce earnings on the account.

• Intro BonusN/A
• Minimum
  Deposit Required$100
• Monthly
  Maintenance Fee$0 More Info

  For complete list of account details and fees, see our Personal Account disclosures: https://cit-fcb-t.cit.com/cit-bank/resources/forms

• Product Details

  • Get a competitive rate on your Savings Connect account
  • With the CIT Bank mobile app, deposit checks from your mobile device and make transfers easily
  • CIT Bank is your partner in savings. There are no account opening or monthly service fees for savings accounts

• Why We Like It

  CIT Bank's Savings Connect account is one of our top picks for high-yield savings accounts. Featuring a competitive flat APY on all balances, it can go head-to-head with most of the top savings accounts available. What's more, you don't have to do anything special to earn this high interest rate; many similar accounts (including some offered by CIT) only offer their highest interest rates to customers who complete certain requirements.

Citizens Access® Savings

• APY3.50%
• Intro BonusN/A
• Minimum
  Deposit Required$0.01
• Monthly
  Maintenance Fee$0

• Product Details

  • Serious savings
  • No fees, no surprises
  • FDIC insured
  • Help if you need it (available 7 days/week)

• Why We Like It

  If you plan to park your money for some time, the Citizens Access Savings account is a good bet. This account features an incredible APY, and currently all balances earn the highest rate available. You only need to deposit $0.01 to open an account and earn the APY, and this account doesn't have other fees associated with it.