By Ziv Shay | Updated April 2026
At 5.25% APY with UFB Direct. Compare all 15 accounts below.
| # | Bank | APY | 1 Year | 3 Years | 5 Years | 10 Years | Action |
|---|---|---|---|---|---|---|---|
| 1 | UFB Direct | 5.25% | $1,313 | $4,148 | $7,289 | $16,702 | Open Account |
| 2 | Bread Savings | 5.15% | $1,288 | $4,065 | $7,136 | $16,308 | Open Account |
| 3 | Wealthfront Cash | 5.00% | $1,250 | $3,941 | $6,907 | $15,722 | Open Account |
| 4 | LendingClub | 5.00% | $1,250 | $3,941 | $6,907 | $15,722 | Open Account |
| 5 | CIT Bank | 4.85% | $1,213 | $3,817 | $6,680 | $15,144 | Open Account |
| 6 | Bask Bank | 4.85% | $1,213 | $3,817 | $6,680 | $15,144 | Open Account |
| 7 | Betterment Cash Reserve | 4.75% | $1,188 | $3,734 | $6,529 | $14,763 | Open Account |
| 8 | Synchrony Bank | 4.75% | $1,188 | $3,734 | $6,529 | $14,763 | Open Account |
| 9 | SoFi Savings | 4.50% | $1,125 | $3,529 | $6,155 | $13,824 | Open Account |
| 10 | Marcus by Goldman Sachs | 4.40% | $1,100 | $3,447 | $6,006 | $13,454 | Open Account |
| 11 | American Express HYSA | 4.35% | $1,088 | $3,406 | $5,932 | $13,271 | Open Account |
| 12 | Barclays Online | 4.35% | $1,088 | $3,406 | $5,932 | $13,271 | Open Account |
| 13 | Discover Online Savings | 4.30% | $1,075 | $3,366 | $5,858 | $13,088 | Open Account |
| 14 | Ally Bank | 4.25% | $1,063 | $3,325 | $5,784 | $12,905 | Open Account |
| 15 | Capital One 360 | 4.25% | $1,063 | $3,325 | $5,784 | $12,905 | Open Account |
With a $25,000 deposit in a high-yield savings account at 5.25% APY, you will earn approximately $1,313 in the first year through compound interest. Over 5 years, your $25,000 grows to $32,289, earning $7,289 in interest.
Compare that to a traditional savings account at 0.45% APY, where $25,000 earns just $112 per year. Choosing a HYSA puts an extra $1,200 in your pocket annually.
For a $25,000 deposit, we recommend UFB Direct with its industry-leading 5.25% APY, no minimum deposit, no monthly fees, and FDIC insurance. No minimum balance, competitive rates.