10 best high-yield savings accounts for September 2025: Earn up to 4.5% APY – Insurence Online

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10 best high-yield savings accounts for September 2025: Earn up to 4.5% APY

September 18, 2025

10 best high-yield savings accounts for September 2025: Earn up to 4.5% APY

If you’re looking to grow your savings, high-yield savings accounts (HYSAs) remain one of the safest and most accessible options. And with the Federal Reserve’s latest meeting likely to result in a rate cut, choosing an HYSA with a competitive interest rate is more important than ever.

Our team compared today’s high-yield savings accounts offered by federally insured financial institutions and identified the 10 best based on interest rate, fees, account features, customer service, and more (see our methodology here). Find out which banks have the best high-yield savings accounts today.

SoFi: Up to 4.5% APY

SoFi’s online bank account — a combination checking and high-yield savings account — made our list for its competitive APY, lack of fees, and bundled approach to saving and spending.

It currently offers up to 3.8% APY on savings balances and 0.5% APY on checking account balances. However, for a limited time, new customers can earn a boost on their savings rate (up to 4.5% APY) by meeting certain requirements.

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