With the Federal Reserve holding interest rates steady in 2025 and inflation hovering just below 3%, high-yield savings accounts remain one of the safest vehicles offering real, positive returns. In an environment where stocks are volatile, bonds are mixed, and many investors are holding cash on the sidelines, these accounts can serve as both a parking spot and a source of steady, low-risk yield.
While the national average savings account yields a meager 0.38% according to the FDIC, numerous online banks and credit unions are offering rates north of 4.00%—and in some cases, as high as 5.00%—with full FDIC or NCUA insurance.
Top High-Yield Savings Accounts (As of July 2025)
This post originally appeared at InvestingDaily.