Top 10 High-Yield Savings Accounts for June 2025: Earn Up to 4.4% APY and Find the Right Account for Your Needs

If you're looking for a secure place to grow your savings and earn interest, a high-yield savings account (HYSA) could be a great option. These accounts allow you to keep your money on deposit without a set term, making them more flexible than certificates of deposit (CDs). In exchange for the flexibility, you may earn a higher interest rate than what traditional savings accounts offer.

To help you find the best HYSA for your needs, we reviewed more than 300 data points and identified the 10 best HYSA rates overall among the accounts we evaluated. Here's a closer look at the top HYSA rates and accounts for June 2025:

Best HYSA Rates for June 2025: 12 Accounts Offering 4.1% APY and Up

Here’s a list of the top HYSA rates among all of the HYSA accounts we evaluated:

1. America First Credit Union - APY: 4.35%, Minimum opening deposit: $500
2. Marcus by Goldman Sachs - APY: 4.1%, Minimum opening deposit: $500
3. Ally Bank - APY: 4.0%, Minimum opening deposit: $0
4. Synchrony Bank - APY: 3.9%, Minimum opening deposit: $0

Best HYSA Accounts for June 2025

While getting the best possible interest rate on your HYSA is important, so is choosing the right account to meet your needs. That includes a flexible term length, low fees, excellent support, and more. To help you find the right HYSA, we evaluated approximately 60 HYSA accounts across various terms and identified the 10 best account options available today based on interest rates, minimum opening deposit requirements, interest compounding frequency, and access to customer service. Here are our top picks:

Ally Bank

• APY: 4.0%
• Minimum opening deposit: $0
• Perks: No monthly maintenance fees and around-the-clock customer service via telephone, chat, and email.

Marcus by Goldman Sachs

• APY: 4.1%
• Minimum opening deposit: $500
• Perks: Interest compounds daily and offers nearly three times the national average APY.

Synchrony Bank

• APY: 3.9%
• Minimum opening deposit: $0
• Perks: No monthly maintenance fees or minimum balance requirements. Interest compounds daily and is credited monthly.

America First Credit Union

• APY: 4.35%
• Minimum opening deposit: $500
• Perks: Offers one of the highest APYs among our top picks, with no monthly maintenance fees or minimum balance requirements.

How to Choose the Right HYSA for You

When selecting a HYSA, consider your specific needs and goals. Some factors to consider include:

• Interest rate and APY offered by the account.
• Minimum opening deposit requirement.
• Any monthly maintenance fees or minimum balance requirements.
• The frequency of interest compounding and how it's credited to your account.