In a world where interest rates are always changing, finding a high-yield savings account (HYSA) with a competitive annual percentage yield (APY) can feel like striking gold.

The current national average savings account APY is only 0.41%. While many banks have started lowering their rates, some financial institutions are still offering APYs of 4.00% or higher -- that's almost 10 times the national average.

If you're looking for a place to park your cash and let it grow, here are three standout high-yield savings accounts that continue to offer solid returns.

1. Barclays Tiered Savings -- 4.15% APY for balances of $250,000 or less

Barclays has long been a go-to for those seeking no-fuss online savings accounts with competitive rates. As of February 2025, accounts with balances less than $250,000 (likely most of us) earn a 4.15% APY, while those exceeding $250,000 enjoy an APY that's slightly higher.

Our Picks for the Best High-Yield Savings Accounts of 2025

Product	APY	Min. to Earn
American Express® High Yield Savings Member FDIC. APY 3.70% Rate info 3.70% annual percentage yield as of March 2, 2025. Terms apply. Min. to earn $0 Open Account for American Express® High Yield Savings On American Express's Secure Website. Member FDIC.	3.70% Rate info 3.70% annual percentage yield as of March 2, 2025. Terms apply.	$0	Open Account for American Express® High Yield Savings On American Express's Secure Website.
SoFi Checking and Savings Member FDIC. APY up to 3.80%² Rate info You can earn the maximum APY by having Direct Deposit (no minimum amount required) or by making $5,000 or more in Qualifying Deposits every 30 days. See SoFi Checking and Savings rate sheet at: https://www.sofi.com/legal/banking-rate-sheet. Min. to earn $0 Open Account for SoFi Checking and Savings On SoFi's Secure Website. Member FDIC.	up to 3.80%² Rate info You can earn the maximum APY by having Direct Deposit (no minimum amount required) or by making $5,000 or more in Qualifying Deposits every 30 days. See SoFi Checking and Savings rate sheet at: https://www.sofi.com/legal/banking-rate-sheet.	$0	Open Account for SoFi Checking and Savings On SoFi's Secure Website.
Capital One 360 Performance Savings Member FDIC. APY 3.70% Rate info See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Feb. 6, 2025. Rates are subject to change at any time before or after account opening. Min. to earn $0 Open Account for Capital One 360 Performance Savings On Capital One's Secure Website. Member FDIC.	3.70% Rate info See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Feb. 6, 2025. Rates are subject to change at any time before or after account opening.	$0	Open Account for Capital One 360 Performance Savings On Capital One's Secure Website.

Barclays offers a consistently high APY without requiring a minimum deposit, making it ideal for both beginners and seasoned savers alike. Start earning a higher rate on your money today -- open a Barclays Tiered Savings account.

2. LendingClub LevelUp Savings -- 4.50% APY with $250+ in monthly deposits

LendingClub may be best known for peer-to-peer lending, but its high-yield savings account is also worth a look. It's currently offering 4.50% APY with $250+ in monthly deposits.

This account is great for those looking for a strong APY from a reputable fintech company. The $250 monthly deposit might seem like a drag, but setting up a direct deposit or automatic monthly transfer can make it worry-free. Open a LendingClub LevelUp Savings account now and take advantage of the high rate while it lasts.

3. UFB Portfolio Savings Account -- 4.01% APY

If you're looking for one of the highest APYs on the market, the UFB Portfolio Savings Account is a standout option. With 4.01% APY, it beats most competitors and offers robust online banking features.

UFB also offers a savings and checking bundle. By opening a UFB Freedom Checking account alongside your UFB Portfolio Savings Account and setting up qualifying direct deposits, you can increase your savings APY and enjoy a UFB Freedom Checking APY of 2.00% -- an impressive 25 times the national average for checking accounts.

Besides the direct deposits, you'll also need to maintain a minimum balance of at least $10,000 in savings and make 10 debit card transactions each month to earn the highest rate for each account. But even if you can't do that, earning the standard 4.01% on your savings -- almost 10 times the national average -- is reason enough to apply for the UFB Portfolio Savings Account today.

Secure a high APY while you can

Interest rates fluctuate, and these high-yield savings accounts won't offer the same returns forever. If you want to take advantage of 4.00% and higher APYs, now is the time to act. Whether you choose Barclays for its consistency, LendingClub for its easy entry, or UFB for its high standard rate and combo checking option, you can't go wrong.

If you're ready to earn more on your savings, compare top high-yield savings accounts and find the best fit for your financial goals.