Barclays ADR

KEY POINTS The best high-yield savings account rate today: 5.00% APY.Let your money work harder for you -- take advantage of one of today's top rates.Open your account and manage your savings with the convenience of a mobile app. High-yield savings accounts (HYSAs) are still offering some of the best returns we've seen in years, thanks to the Federal Reserve holding rates steady in May. But with inflation cooling and potential rate cuts on the way, these top-tier APYs may not stick around for long.If your money is sitting in an account earning under 1%, you're missing out on easy interest earnings. The good news is that switching to an HYSA is quick and simple -- and it could boost your returns by up to 10 times the national average.Check out today's best rates below, updated daily to help you catch the most competitive offers. Featured pick: The Barclays Tiered Savings account stands out with a 4.00% APY and no minimum balance required to earn interest. It's one of the few top-tier rates still widely available -- and with no account fees, it's a smart move while rates remain high. Open a Barclays Tiered Savings account today. Varo Savings -- up to 5.00% (Max APY on up to $5,000, 2.50% APY after)Axos ONE® -- up to 4.66% (Minimum balance: $1,500)Pibank Savings -- 4.60% (No minimum balance)Presidential Bank Advantage Savings -- up to 4.50% (Requires $5,000 to open and an Advantage Checking Account for top APY)Data source: Issuing banks. Rates are accurate as of May 23, 2025. Our Picks for the Best High-Yield Savings Accounts of 2025 Product APY Min. to Earn SoFi Checking and Savings Member FDIC. APY up to 3.80% Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus. Min. to earn $0 Open Account for SoFi Checking and Savings On SoFi's Secure Website. Member FDIC. up to 3.80% Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus. $0 Open Account for SoFi Checking and Savings On SoFi's Secure Website. American Express® High Yield Savings Account Member FDIC. APY 3.60% Rate info Circle with letter I in it. 3.60% annual percentage yield as of May 25, 2025. Terms apply. Min. to earn $0 Open Account for American Express® High Yield Savings Account On American Express's Secure Website. Member FDIC. 3.60% Rate info Circle with letter I in it. 3.60% annual percentage yield as of May 25, 2025. Terms apply. $0 Open Account for American Express® High Yield Savings Account On American Express's Secure Website. Western Alliance Bank High-Yield Savings Premier Member FDIC. APY 4.30% Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of May 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Min. to earn $500 to open, $0.01 for max APY Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank's Secure Website. Member FDIC. 4.30% Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of May 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. $500 to open, $0.01 for max APY Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank's Secure Website. Should you open a high-yield savings account?If you've been waiting to boost your savings, now's a smart time to act. With interest rates still holding steady, many high-yield savings accounts are offering APYs as high as 5.00% -- far above what traditional accounts pay.HYSAs are a safe, low-risk way to grow your money while keeping it accessible. But keep in mind, rates can change fast. As shown in the chart below, average deposit rates at U.S. banks climbed quickly during the Fed's last rate hike cycle -- and they could fall just as fast if cuts begin later this year. How to open a high-yield savings accountGetting started with a high-yield savings account is easy and usually takes just a few minutes:Compare rates from various banks and credit unions. Shop around to find the best APY, low or no fees, and features like easy transfers and mobile access. Online banks often offer the most competitive rates.Gather your information. You'll need basic personal details like your name, address, Social Security number, and a form of ID to apply.Complete the application. Most applications can be done online in just a few minutes. Follow the prompts to enter your information and set up your account.Fund your new account. Link an existing bank account to transfer money in. Some banks require a minimum deposit to open the account, so be sure to read the fine print.Set up online and mobile access. Once your account is active, download the bank's app or log in online so you can track your balance, transfer funds, and manage your savings easily. $10,000 kept in an HYSA could earn $400 in a yearHigh-yield savings account earnings depend on your account balance and the account APY (annual percentage yield).For example, a $10,000 account balance with a 4.00% APY would earn roughly $400 in a year -- without locking up your cash.Compare that to a traditional savings account, where rates are often much lower. Opening an account with a top-tier APY, like Barclays Tiered Savings, can help you maximize your returns before rates drop. Open a Barclays Tiered Savings account here before rates fall again. Open a SoFi Checking and Savings account (Member FDIC) and get a cash bonusFor those who plan to set up direct deposit with their new account, the SoFi Checking and Savings account (Member FDIC) is hard to beat. Not only does this savings account offer a strong APY of up to 3.80%, but the linked checking account earns an above-average rate, too -- a rare perk. Even better: New customers can earn up to a $300 bonus with qualifying direct deposits!Frankly, it's the kind of combo that could make it worthwhile to switch banking relationships. Open a SoFi Checking and Savings account (Member FDIC) today and see how to qualify for the full bonus. Sources https://www.varomoney.com/high-yield-savings-account/https://www.axosbank.com/personal/bank/axos-onehttps://www.pibank.com/pibank-savings/https://www.presidential.com/personal/banking/savings FAQs What's the biggest downside of a high-yield savings account? The biggest downside of a high-yield savings account is that interest rates can fluctuate. Unlike the fixed rates of CDs, the interest rate on savings accounts can change based on market conditions, potentially reducing your earnings over time. This variability means your returns might not be as predictable as with other fixed-rate investments. Are high-yield savings accounts safe? Yes, high-yield savings accounts are safe as long as they're offered by an FDIC-insured bank or NCUA-insured credit union. Your money is protected up to $250,000 per depositor, per institution, in case the bank fails. Can the interest rate on a high-yield savings account change? Yes, the interest rate on a high-yield savings account is variable, which means it can go up or down at any time. Rates often follow changes in the federal funds rate, so they may increase during rising rate environments and decrease when rates fall.» Mehr auf fool.com

KEY POINTS The average household spends around $6,600 per month on living expenses.Setting aside a three-month emergency fund would equal $19,800 in savings.A high-yield savings account is the best place to keep (and grow) an emergency fund. My wife and I keep about $25,000 stashed in a high-yield savings account. That covers roughly three to four months of our family expenses, which average around $7,000 per month.Turns out, we're not far off from the average American household. According to the latest data from the Bureau of Labor Statistics, U.S. households spent an average of $6,440 per month in 2023. Add in last year's 2.9% inflation, and 2025 spending is likely closer to $6,600/month. (function(){function c(){var b=a.contentDocument||a.contentWindow.document;if(b){var d=b.createElement('script');d.innerHTML="window.__CF$cv$params={r:'945447fe8b8eab3c',t:'MTc0ODE2ODIyNy4wMDAwMDA='};var a=document.createElement('script');a.nonce='';a.src='/cdn-cgi/challenge-platform/scripts/jsd/main.js';document.getElementsByTagName('head')[0].appendChild(a);";b.getElementsByTagName('head')[0].appendChild(d)}}if(document.body){var a=document.createElement('iframe');a.height=1;a.width=1;a.style.position='absolute';a.style.top=0;a.style.left=0;a.style.border='none';a.style.visibility='hidden';document.body.appendChild(a);if('loading'!==document.readyState)c();else if(window.addEventListener)document.addEventListener('DOMContentLoaded',c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);'loading'!==document.readyState&&(document.onreadystatechange=e,c())}}}})();Multiply that by three months and you land at $19,800 -- the new baseline for a healthy emergency fund. Why cash savings is so importantAn emergency fund isn't just about preparing for the worst. It's about giving yourself peace of mind and options.Here's what a solid emergency fund really gives you:Less stress. Knowing you can handle a surprise bill (or three) helps you sleep better at night.Avoid debt. No need to slap emergencies on a high-interest credit card.Career flexibility. Hate your job? You can walk away and take time to find the right fit, not the first offer.Freedom to relocate. If a better opportunity comes up in a new city or state, you've got the funds to make the move without hesitation.Family resilience. Whether it's a health scare, a car issue, or your kid's dental emergency, you're ready.Where to keep your savings (and earn more on it)I personally earned $798 in interest last year just by keeping our cash in a high-yield savings account (HYSA). That's about $66 per month I didn't have to work for!HYSAs earn the highest interest rate possible, while keeping your funds liquid and available at any time. They're also FDIC insured, so extremely safe.Today's top high-yield savings accounts offer rates around 4.00% APY, which is more than 55x the national average for a checking account. If you have cash sitting idle, you really need to move it to an HYSA. Just make sure you choose a bank that doesn't charge any monthly fees. Check out this Barclays Tiered Savings account, which is one of our top picks right now offering 4.00% APY. How to build up your emergency savingsFirst, open a new, dedicated account for your savings. Keeping this money in a completely separate bank will stop you from dipping into those dollars for non-emergencies.Next, set-up automatic transfers each month into that account. For example, every Friday you could transfer $50 from your checking over to savings.If you have any windfalls, tax refunds, birthday money, etc. try to save those too and build your fund faster. Saving an extra $300 a month in a 4.00% APY account could grow to $19,854 in just five years.Saving today means freedom tomorrowHaving $19,800 in savings might feel like a stretch. But it's exactly what the average household needs to cover three months of expenses in 2025.Start where you are. Keep your cash in a high-yield savings account that actually pays you. Build your fund one dollar at a time, and don't stop until you hit your number.» Mehr auf fool.com

Barclays, NatWest Group and Aris Mining Corporation are today's breakout stocks.» Mehr auf zacks.com