Best High-Yield Savings Accounts of March 2025 

In today’s high-inflation environment, keeping your money in a low-interest savings account is practically losing money. With inflation still eroding the value of your cash, the smartest move you can make is putting your money in a high-yield savings account that not only keeps your funds safe but also helps you stay ahead financially.

We’ve reviewed the top options this month and ranked the best high-yield savings accounts in March 2025 based on APY (Annual Percentage Yield), monthly fees, safety, and minimum balance requirements.

🥉 3rd Place: SoFi Checking and Savings Account

• APY: Up to 3.80% (as of 3/22/2025)

• Monthly Fees: $0

• Minimum Deposit to Earn APY: $0

• FDIC Insured: ✅ Yes

Why It’s Great:

SoFi offers a user-friendly digital banking experience and one of the easiest ways to earn interest with no fees and no minimum deposit. That makes it ideal for new savers and those just getting started with a high-yield savings strategy.

Why It’s Ranked Third:

The 3.80% APY is solid, but it lags behind others on this list—especially in a time when every extra bit of interest helps you beat inflation.

✅ Open a SoFi account today and get up to a $300 bonus.

🥈 2nd Place: CIT Bank Savings Account

• APY: 4.10% (as of 3/22/2025)

• Monthly Fees: $0

• Minimum to Earn APY: $5,000

• FDIC Insured: ✅ Yes

Why It’s Great:

CIT Bank offers a strong 4.10% APY, making it a compelling choice if you’re able to meet the $5,000 minimum to earn interest. It’s a trusted online bank with no monthly fees, giving you a safe and competitive place to park your cash.

Why It’s Ranked Second:

While the rate is higher than SoFi’s, the $5,000 minimum to earn APY is a barrier for many. If you have the funds, though, this one delivers strong returns.

💡 Pro tip: Use promo code PS2025 to earn up to a $300 bonus.

🥇 1st Place: Live Oak Bank Personal Savings Account

• APY: 4.20% (as of 3/22/2025)

• Monthly Fees: $0

• Minimum to Earn APY: $0.01

• FDIC Insured: ✅ Yes

Why It’s the Winner:

Live Oak Bank currently offers one of the highest APYs on the market at 4.20%, with no fees and a ridiculously low minimum to earn interest—just $0.01. That means your money starts working for you immediately, without needing thousands in your account.

This is a fantastic option for anyone looking to protect their savings from inflation, grow their emergency fund, or simply earn more without risking their cash.

🔒 FDIC insurance up to $250,000 means your money is 100% safe.

🎯 Click here to open a Live Oak Bank savings account and start earning 4.20% today.

Why High-Yield Savings Accounts Matter in 2025

If your money is sitting in a big bank earning 0.01% interest, you’re essentially losing money thanks to inflation. Even a 3–4% APY can mean hundreds—or even thousands—of extra dollars each year, all while keeping your money liquid and secure.

Here’s what to look for:

• ✅ FDIC Insurance (up to $250K)

• ✅ Zero monthly fees

• ✅ High APY

• ✅ Low or no minimums

Final Thoughts

If you're serious about growing your savings without risk, these are the best high-yield savings accounts in March 2025. While all three are excellent options, Live Oak Bank stands out with the highest APY and the lowest barrier to entry.

📈 Don’t let your savings sit idle.
👉 Open your high-yield savings account now and start earning more today.