“Top 10 High-Yield Savings Accounts You Should Consider in September 2025 (Up to 5.00% APY!)”

In today’s environment, with the Federal Reserve maintaining steady benchmark interest rates, the opportunity to lock in outstanding yields on high-yield savings accounts (HYSAs) is still alive and thriving. Many savers are still missing out, even though some accounts are offering rates as high as 5.00% APY—over seven times the national average.Business InsiderInvestopediaFool

Here are the 10 best high-yield savings accounts for September 2025, offering competitive APYs and strong features:

1. Varo Bank — 5.00% APY on balances up to $5,000 (conditions apply)InvestopediaFool
2. AdelFi (New Member Money Market) — 5.00% APY on balances up to $5,000 (membership and promo code required)Investopedia
3. Fitness Bank — 4.75% APY, but requires a minimum $100 opening deposit and a checking account with daily activityInvestopedia
4. Pibank — 4.60% APY, no minimum balance, mobile-banking only (no ACH/check/deposit options)Investopedia
5. Vibrant Credit Union — 4.50% APY, available with membership (often limited to certain communities); APY applies to balances under $15,000Investopedia
6. Presidential Bank — 4.50% APY, requires a linked checking accountInvestopedia
7. AlumniFi — 4.50% APY for balances up to $25,000; credit union membership requiredInvestopedia
8. Axos Bank — Axos ONE® Savings — 4.46% APY, No minimum to open, top-rated by NerdWalletNerdWalletKiplinger
9. Newtek Bank — 4.35% APY, no minimumsNerdWalletInvestopedia
10. Zynlo Bank — 4.35–4.40% APY, no minimum depositBankrateInvestopediaNerdWallet

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Why These Accounts Stand Out

• Top APYs and Earnings Potential
  • Varo and AdelFi lead the pack with 5.00% APY — the highest among available options, albeit with balance caps.InvestopediaFool
  • Axos Bank offers a high yield (4.46%) without balance caps or minimums—great for steady compounding and peace of mind.NerdWalletKiplinger
• Accessibility and Requirements
  • Several offer no minimums (Varo, Newtek, Zynlo), while others require memberships or linked accounts (AdelFi, Presidential Bank, AlumniFi, Vibrant CU).
  • Pibank has no balance minimums but is limited to wire or Plaid transfers—no checks, ACH, or direct deposits.Investopedia
• Top Overall Pick by Experts
  • Axos ONE® Savings was rated best for highest APY by NerdWallet and cited favorably by Kiplinger for its overall value.NerdWalletKiplinger
• Act Now Before Rates Change
  • With the Fed holding rates steady—and potential cuts looming—locking in these rates now is wise.Business Insider

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