Top Online Banks Offering 5%+ APY Right Now

In 2025, high-yield savings accounts have quietly become one of the smartest ways to grow your cash without putting it at risk. These rates rival historical highs, and for the first time in years, they’re accessible to everyday account holders with no hidden fees or deposit traps.

Why This Matters Now

The Federal Reserve’s recent rate moves have made it more lucrative for banks to offer better returns. But not all banks are passing that value to customers.