Top Online Banks Offering 5%+ APY Right Now

Final Thought

The difference between 0.01% and 5.00% APY isn’t just a number — it's real money sitting on the table. And in this market, that kind of edge matters.

Compare your options, read the terms, and make the switch if the numbers make sense. You don’t need to chase the stock market to make your money work harder in 2025.