The Best High-Yield Savings Accounts of November 2025 (Up to 5.50% APY)

With inflation remaining a key concern, letting your cash sit in a traditional savings account earning 0.01% is like losing money. A High-Yield Savings Account (HYSA) is the single best place to park your emergency fund and short-term savings, offering interest rates up to 50 times the national average. This guide reviews the top FDIC-insured HYSAs for November 2025.

What is a High-Yield Savings Account?

An HYSA is a type of savings account, typically offered by online banks, that pays a much higher interest rate than standard savings accounts from brick-and-mortar banks. Because online banks have lower overhead costs, they can pass those savings on to customers in the form of higher Annual Percentage Yields (APY).

Top Pick Overall: Marcus by Goldman Sachs

APY: 5.50%
Why it wins: Marcus consistently offers one of the most competitive rates on the market, backed by the security of Goldman Sachs. There are no monthly maintenance fees and no minimum deposit requirements to open an account. Their mobile app is clean, and setting up same-day transfers is simple.

Best for Mobile Banking: Ally Bank

APY: 5.35%
Why it wins: Ally is a leader in digital banking with a best-in-class mobile app. They offer innovative tools like "buckets" to help you organize your savings for different goals. With 24/7 customer service and no hidden fees, Ally remains a top choice for those who manage their finances primarily on their phone.

Best for ATM Access: Capital One 360 Performance Savings

APY: 5.30%
Why it wins: While most online HYSAs don't offer easy cash access, Capital One 360 is different. It provides fee-free access to a massive network of over 70,000 ATMs and physical Capital One Cafés. This makes it a great hybrid option for those who want high rates without sacrificing convenience.

How to Choose the Right HYSA for You

When comparing accounts, look beyond just the APY. Consider factors like minimum balance requirements, monthly fees, ease of transferring money, and the quality of the bank's mobile app and customer service. All the accounts listed here are FDIC-insured up to $250,000, ensuring your money is safe.