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When you have extra money sitting in your checking or savings account (or under your mattress), you may have heard that opening a high-yield savings account is a brilliant idea. Your funds are FDIC insured, online banks usually offer higher interest rates than traditional banks, and you can immediately access your cash.
But is keeping extra money in a high-yield savings account worth doing? Here's a look at what these accounts are good for and when you should consider putting your money elsewhere.
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Our partners do not influence our ratings.
4.30%Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Minimum Balance for APY
$0
Bonus Offer
Up to $300New 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 3.60% 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 3.60% 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 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found athttp://www.sofi.com/legal/banking-rate-sheet.
Why We Like It
Earn a $50 or $300 bonus and up to 4.30% APY1 <p>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.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% 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 3.60% 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 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> on your money with eligible direct deposit
Limited-Time Offer: +0.70% Boost on Savings APY for 6 months on new accounts with eligible Direct Deposit. Terms Apply.2 <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
No account, overdraft, or monthly fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Get your paycheck up to two days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
Access additional FDIC insurance up to $3 million5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
High-yield savings accounts offer relatively higher APYs compared to traditional savings accounts. An APY calculates the rate of interest your savings balance will earn over a year.
The Federal Deposit Insurance Corporation (FDIC) reports that the U.S. has a 0.40% (as of 11/17/25) national average rate on savings account interest. Banks will offer various APYs, account minimums, and fees, so you should do your due diligence before opening an account.
How do high-yield savings accounts work?
High-yield savings accounts compound interest, usually daily, monthly, quarterly, or annually. This means that a portion of the APY is applied toward the account's balance at a specific time.
When you have a savings account that compounds more often, the interest earned up to that point is added to your balance. The next time the interest is compounded, the amount you earn will be calculated based on your original balance plus the amount that was previously added to the account.
Example
Here's a quick comparison of how a high-interest savings account with a 3.00% APY and an account with the national average APY compare in terms of earnings on interest over time.
For the purpose of this example, let's say these savings accounts compound interest quarterly, and the initial deposit is $5,000.
Traditional savings account with 0.45% APY
Example savings account with 3.00% APY
Initial balance
$5,000
$5,000
After 1 year
$5,022.50
$5,150
After 3 years
$5,067.80
$5,463.64
After 10 years
$5,229.61
$6,719.58
The more frequently an account compounds interest, the more you earn. Because the national rate for savings APY is at 0.40% (as of 11/17/25), a 3.00% rate is high and most likely to be offered by an online bank.
Many online banks offer anywhere between 0.10% and 5.00% APY, which makes those on the higher end the best savings accounts for earning interest.
Pros and cons of a high-yield savings account
Learn the advantages and disadvantages of opening up a high-yield savings account so you have a complete picture of what is in store.
Pros
Offers higher APYs than traditional banks
Lower fees
FDIC Insured
Cons
No local branch access
APYs can fluctuate
Are high-yield savings accounts worth it?
After looking at the current rates and how they could apply to the $1,000 I wanted to set aside for the year, I was not too excited at the prospect of opening a high-yield savings account. Adding around $30 to my account did not seem like very much.
Yes, passive income is always a good thing, but I wanted to get the most out of where I chose to stash my cash. So I asked an expert when he thinks high-yield savings accounts are a good idea and when I'd be better off putting my money elsewhere.
1. You need a place for your emergency fund
Adam Beaty, a certified financial planner at Bullogic Wealth Management is a big fan of high-yield savings accounts, uses them personally, and recommends them to clients. He says they are a good choice for creating an emergency fund. "We recommend putting three to six months worth of non-discretionary expenses in a high-yield savings account," Beaty says.
2. You have smaller short-term spending goals
Beaty advises that high-yield savings accounts are not where you want to put your money if you're looking to save for retirement or build wealth. They're more for saving toward a goal, such as a vacation or down payment, or having cash you can (relatively) easily access when something unexpected happens, like unemployment or home repair.
Daniel Patterson, a certified financial planner with Sweetgrass Financial Planning, agrees and suggests looking into other financial products when deciding what to do with money that isn't for short-term use.
"Any money that is in excess of what you need to stay in your emergency fund or money being set aside for some short-term goal should be invested in low-cost mutual funds and [exchange-traded funds], as high-yield savings accounts are not where you should park your long-term investment money," he says.
3. You'll have expenses like taxes or premiums this year
If you're planning for a large expense that will cost more than your monthly expendable income, a savings account is a great way to accomplish your aim. You can earn interest while you wait and access your money as soon as you're ready to spend.
Even if you'll need to withdraw a chunk of money to pay taxes or pricey insurance premiums, it's worth keeping that cash in a savings account so you can earn interest until that time approaches.
What to look for in a savings account
The best savings account for you will depend on how much you're depositing and when you'll need to access your savings. Here are some things to consider:
High APY (Annual Percentage Yield). If you've decided to open a savings account, you'll want to make sure you get the best possible rate of return each year. Some high-yield savings accounts require you to keep a minimum balance, while others have no such rule. Often, you'll get a higher yield with an online savings account. APYs will vary based on Federal Reserve policies, market, and economic conditions.
Ease of access. If you're only going to access your money periodically and don't care about the convenience of using an ATM or physical location, this might not matter much to you. But if you'd like the option to quickly access your cash, look for an account with plenty of options for easy access and transfers. Check out our list of savings accounts with ATM cards for some options.
Low or no fees. Make sure you understand all the savings account fees associated with an account, including withdrawal limits, monthly maintenance fees, and minimum balance fees. There are plenty of fee-free accounts out there, so you shouldn't need to pay anything to a bank to open your savings account.
Putting money into a savings account can be a great way to start growing your money without taking on much risk, and that cash will be available to you when you need it.
Tip
Withdrawing from a savings account isn't quite as simple as withdrawing from a checking account. Most savings accounts have a limit on the monthly number of withdrawals and don't include debit cards. If you need to access your money frequently, you might be better off with one of the top checking accounts.
3 alternatives to high-yield savings accounts
If it sounds like a high-yield savings account might not fit what you have in mind for your money, some alternative investment accounts can offer higher rates of growth if you commit to keeping your money there for some time. See whether any of these options would work for your situation.
Certificates of deposit
Stocks
Mutual fund
1. Certificates of deposit
A certificate of deposit, or CD, is a special type of account in which you commit to store your money for a set period of time. You'll earn interest at an APY that is often higher than what banks offer for high-yield savings accounts.
Interest can be fixed or compounded. If you're shopping around for rates, see whether they're fixed (no compounding) or have an APY and how often the interest is compounded. CDs are low-risk investments, as you're essentially keeping your money in a bank account for a certain time frame. If you open a CD with a National Credit Union Association (NCUA) or FDIC-insured bank, up to $250,000 of your account is insured by the federal government.
2. Stocks
When you invest in stocks, you're using your money to purchase a small portion of a company through a publicly traded market. Stocks are traded in shares, and each share is set at a price. Those prices continually go up and down as shares are traded. But if you invest your money in a stock that increases in value, you can make money because your shares are worth more than what you initially paid.
Companies that offer shares in the stock market may also pay dividends. This is a portion of the company's earnings that is shared among all the stockholders. Usually, the amount of the dividend is set at a specific price per share. If you have 100 shares of a stock that pays 50 cents per share in dividends annually, you would get an additional $50, usually offered in cash or to purchase more shares.
Keeping your money in the stock market can be risky in the short term, as stock prices can fluctuate drastically from day to day and month to month. Stocks are worth looking into for long-term growth. Between dividends and the growth of a stock's value over decades, your initial investment could be multiplied exponentially. If you're interested in this option, check out our picks for the best investment apps.
3. Mutual fund
A mutual fund is another investment product. Instead of picking and choosing stocks to buy, your money is combined with that of other investors and then put toward a collection of stocks, bonds, and other securities.
A portfolio manager usually oversees the account and makes decisions about what's bought and sold based on market knowledge and experience. The goal is to enable investors to benefit financially from a portfolio of investments they may not have been able to build by themselves.
There is always a risk when you're placing your money into the open market. However, there are many types of mutual funds, and they all have different minimum investment amounts, and levels of risk, and can be a more accessible way to start investing. Plus, having a finance professional overseeing your trades and investments could result in higher earnings than managing things on your own.
5.0
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Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit
Limited-Time Offer: Earn a $50 or $300 bonus and up to 4.30% APY on Savings (3.60% APY1 <p>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.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% 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 3.60% 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 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Openbank High Yield Savings - 4.20% APY6 <p>Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 AM ET September 23, 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential ZIP code entered when account is opened within online application process. This is a variable-rate account and the rate applicable may change at our discretion any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only.</p>
<p>Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.</p>
Earn 10x the national savings average for Savings deposit products as published on FDIC.gov.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Use Cash App As Your All-in-One Financial Services Platform
Bank7 <p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.</p><p class="">Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.</p> without all the fees—save, send, and spend your money the way you want.8 <p class="">Your balance is eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, and not an FDIC-insured bank. Prepaid debit cards issued by Sutton Bank, Member FDIC. See <a href="https://cash.app/legal/us/en-us/card-agreement">terms and conditions</a>. </p> Get paid up to 2 days early – up to 2 days earlier than most banks9 <p>Your first deposit may take longer depending on your employer.</p>
How much should I keep in a high-yield savings account?
Our experts recommend using a high-yield savings account to build an emergency fund. Usually, you want to aim for a balance that is enough to cover your living expenses for three to six months.
Keep in mind that some of these accounts may come with minimum deposit or minimum balance requirements. If you're saving up for a specific or short-term purpose, then keep building up the account until you've reached your goal.
How much interest will I get on $1,000 in a savings account?
That all depends on the APY applied to the account and how often interest is compounded. The higher the APY and the more often interest is compounded, the more you'll earn.
Savings account rates vary from bank to bank. Online banks may offer higher APYs than brick-and-mortar banks, but be sure to research the best banks and read the fine print if you're considering opening a new account.
Do you pay taxes on a high-yield savings account?
You do pay taxes on a high-yield savings account, but only on the interest you earn. You'll get a 1099-INT form from the bank that shows how much interest you have earned that year. The amount is added to your total income when you file your taxes.
What are the best high-yield savings accounts?
The top high-yield savings accounts offer generous APYs and other convenient features like direct deposit that make banking simple. If you're interested in earning more interest than your current bank is offering, check out our picks for the best savings accounts.
Bottom line
I was looking for how to get the most out of committing $1,000 to a personal finance product that offered ways to make money with my money. After reviewing the options, I decided to invest my money in stocks and commit to a long-term strategy where I invest a set amount monthly and hold onto my shares for the next few decades. The $1,000 was a good start, and it looks like I'm on track to earn about 4% in dividends alone this year, which is more than all the other options I researched.
I also know that high-yield savings accounts are good for some purposes. If I was looking to build an emergency fund, I would choose the best savings account with the highest APY and keep making deposits until I have enough money for my needs. I would do the same if I was saving for something specific. But for right now, I'm banking on the stock market to achieve my savings goals.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
High APY of up to 4.30% on Savings (3.60% APY1 <p>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.</p><p>SoFi members with Eligible Direct Deposit can earn 3.60% 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 3.60% 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 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at<a href="http://www.sofi.com/legal/banking-rate-sheet" >http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
Paycheck access up to 2 days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
No monthly maintenance or overdraft fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Streamlined savings and savings goals with Vaults
Access to a large ATM network10 <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>
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