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. 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 ...
Our one and only aim is to reveal all the useful things on Internet in Front of People . #BeCreative