In 2025, idle cash is a missed opportunity, but high-yield savings accounts like Evergreen Wealth’s 5% APY (via Coastal Community Bank) and Axos Bank are changing the game with yields up to 5%, FDIC insurance, and unmatched flexibility. With Evergreen requiring a $25,000 minimum and Axos and Pibank offering no-minimum options, these accounts turn dormant dollars into powerful earners. Forget low-yield traps—discover why savvy investors are jumping on these high-yield savings offers to combat cash drag and boost returns. Dive into the best options, their fine print, and how to make your money work smarter this year.

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If you’re someone who treats every dollar with purpose, today’s cash opportunity isn’t something to overlook.

2025 is serving up something unusual—a rare alignment between liquidity, yield, and safety. That opportunity? High-yield savings accounts. Not gimmicks. Not introductory promos. Real offers from legitimate institutions with yields up to 5%, FDIC insurance, and a level of flexibility that fits real-world money management.

Yet here’s the irony: most investors still let thousands—sometimes hundreds of thousands—sit in traditional savings or low-yield accounts earning a fraction of what’s available. That’s not just inefficiency. It’s silent loss. The kind of erosion that compounds negatively over time.

This month’s high-yield savings landscape includes standout offers from newer fintech firms and legacy institutions alike. They cater to different needs—high minimums, no minimums, integrated checking bundles—and yes, they require a little research. But the reward is real.

So let’s walk through it clearly. These are the smartest places to keep cash working in May 2025—and why the most discerning investors are finally paying attention.

Top Yield: 5.00% APY
Minimum Deposit: $25,000
FDIC Insurance: Yes (via Coastal Community Bank)

At the top of the leaderboard is Evergreen Wealth, offering a headline-grabbing 5.00% APY on savings—but it comes with structure and expectations.

To access the full 5%, here’s what needs to happen:

Banking operations are provided by Coastal Community Bank, a long-standing FDIC member. So the deposit insurance is legitimate, but it’s a “pass-through” setup—standard practice in the fintech banking world, but still something worth understanding.

This isn’t a pure deposit play. Evergreen is an advisory firm at its core. Founded by Bill Harris—former CEO of PayPal and founder of Personal Capital—the firm’s priority is portfolio management. This high-yield offer likely functions as an on-ramp to their investment services, which require a minimum $250,000 to access. If you’re only interested in parking cash, you’ll still get the APY, but Evergreen is clearly designed to foster deeper client relationships.

The upside? Real yield in a high-trust setup. The downside? Complexity, and a relatively high bar to enter.

Verdict: Ideal for investors with excess liquidity seeking short-term yield, with an eye toward potentially using Evergreen’s broader wealth management offering down the line.

Top Yield: 4.66% APY
Minimum Deposit: $0
Account Type: Axos ONE (Savings + Checking Bundle)

For those unwilling or unable to commit $25,000 up front, Axos Bank remains a strong contender. The Axos ONE bundle offers:

The eligibility requirements are two-fold—but either one unlocks the full rate:

Most users opt for the $1,500 route—it’s more accessible, and from current reports, both tiers yield the same 4.66% APY.

This tiered eligibility might hint at Axos testing segmentation strategies—perhaps higher yields for higher deposits in the future. For now, though, it remains flat-rate. And that simplicity is valuable.

Axos is a direct bank, not a fintech middleman, which reduces layers of risk and makes this an appealing option for those who prefer more traditional, regulated financial relationships.

Verdict: Great fit for those who want a high yield without locking up capital. Especially strong for investors with regular income flow or business owners with monthly liquidity.

Top Yield: 4.60% APY
Minimum Deposit: $0
Institutional Backing: Intercredit Bank, N.A. (FDIC-insured)

Sometimes, the best option is the one that asks the least of you. Pibank is the leanest entry in this list:

Pibank is the digital brand of Intercredit Bank, a Miami-based institution with decades of operational history. While the name “Pibank” might seem unfamiliar, it sits safely within FDIC-insured rails under its parent.

There are no bundles, no deposit triggers, no paired checking accounts to manage. It’s a pure high-yield savings play. In a world filled with increasingly complex financial products, that simplicity has real value.

That said, Pibank doesn’t offer many of the bells and whistles or cross-sell opportunities that fintech platforms promote. If you want this to be your central cash management hub, it may fall short. But if you’re carving out capital that you simply want to grow safely and quickly? It checks every box.

Verdict: Best for hands-off investors who want to optimize idle cash without complexity. A solid second or third account in a multi-bank strategy.

If your portfolio strategy is sharp, but your cash strategy is stale, you’re leaving money on the table.

Right now, the opportunity cost of doing nothing is measurable. With high-yield accounts pushing 5%, the “cash drag” that once felt unavoidable is now optional. These savings opportunities are more than safe havens—they're yield-generating machines for the short-term investor.

Great portfolios are built on clarity—and that clarity extends to cash.

This May, high-yield savings options are better than they’ve been in over a decade. But they’re not guaranteed to stay that way. The Fed may pivot. Yields may compress. Competitive pressures may ease.

Which is exactly why now is the time to act.

Don’t ignore the boring parts of your financial life. That’s often where quiet compounding happens.

These savings accounts aren’t flashy. They don’t make headlines. But they work—and they’re working now.

Keep your edge sharp. Your idle cash deserves more.

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