💰How to Earn the Most Savings Interest in 2025

Most people leave their cash in a basic savings account earning 0.01% APY (basically nothing). But in 2025, there are better options that can help you earn 3-5% APY or more—without extra risk.

Here’s how to maximize interest on your savings this year:

• Switch to a High-Yield Savings Account (HYSA) – Online banks like these offer higher APYs with no fees.
• Consider a Certificate of Deposit (CD) – Lock in a higher interest rate (4-6% APY) for a set term with banks if you are willing to give up on the liquidity of your savings.
• Take advantage of bank bonuses – Some banks offer up to $500 just for opening an account.
• Explore Money Market Accounts (MMAs) – Get high interest with more flexibility to access your cash.
• Use Treasury Bills & I Bonds – Safe, government-backed options that help fight inflation.
• Let compound interest work for you – Accounts that compound daily or monthly will help your savings grow even faster.

A few small changes today can mean thousands of extra dollars in the future.

Ready to start earning more interest? Compare the best savings options now and make your money work harder for you. Start here.

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