Best high-yield savings interest rates today, November 7, 2025 (up to 4.5% APY return)

Find retired if present is the close clip to enactment your wealth successful a savings account. The Federal Reserve precocious implemented a bid of cuts to the national funds rate. As a result, deposit involvement rates are falling from their historical highs. Still, it's imaginable to find high-yield savings accounts paying supra 4% APY. So, if you’re looking for the champion rates disposable today, here’s a breakdown of wherever to find them.

Although savings involvement rates are elevated by humanities standards, the nationalist mean complaint for savings accounts is inactive conscionable 0.4%, according to the FDIC. The bully news: Top high-yield savings accounts connection much than 10 times the nationalist average.

As of November 7, 2025, the highest savings relationship complaint disposable from our partners is 4.5% APY. This complaint is offered by SoFi.*

Here is simply a look astatine immoderate of the champion savings rates disposable contiguous from our verified partners:

Remember, it’s important to store astir earlier opening a savings account. Interest rates alteration widely, but determination are respective banks (in particular, online banks) and recognition unions with highly competitory offers.

Online banks run exclusively via the web. This importantly reduces their overhead costs, truthful they’re capable to walk those savings onto customers successful the signifier of precocious deposit rates and debased fees. In fact, galore of the champion high-yield savings accounts besides travel with zero monthly fees oregon minimum opening deposit requirements. If you’re searching for the champion savings involvement rates, online banks are a large spot to start.

That said, online banks aren’t the lone spot you tin find savings accounts with rates that scope betwixt 4% and 5% APY. Credit unions are not-for-profit fiscal cooperatives and are besides known for providing competitory rates and less fees. Many recognition unions person definite requirements that indispensable beryllium met successful bid to go a member, though determination are immoderate that let conscionable astir anyone to join.

• Are high-yield savings accounts worthy it for tiny balances?

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• How to unfastened a high-yield savings account: Step-by-step instructions

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• High-yield savings relationship vs. accepted savings account: What's the difference?

Savings accounts are 1 of the safest places you tin enactment your money. They’re insured by the FDIC (or the NCUA successful the lawsuit of recognition unions), which means your deposits are protected up to $250,000 if your fiscal instauration fails. They besides can’t suffer wealth owed to marketplace fluctuations.

However, a savings relationship isn’t ever the close choice. Although today’s savings involvement rates are precocious by humanities standards, they inactive don’t connection the aforesaid returns you could execute by investing your wealth successful the market. For semipermanent savings goals specified arsenic retirement, you request to put a bulk of your savings successful higher hazard (but higher reward) marketplace investments specified arsenic stocks, scale funds, and communal funds to scope your target.

But if you’re redeeming for a shorter-term extremity specified arsenic a down outgo connected a home, vacation, oregon adjacent an exigency fund, a high-yield savings relationship is 1 of the champion options. That’s particularly existent if you privation to entree your wealth arsenic needed; different types of high-yield deposit accounts, including wealth marketplace accounts and certificates of deposit (CDs) spot much restrictions connected however often you tin marque withdrawals.

*Earn up to 4.50% Annual Percentage Yield (APY) connected SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY arsenic of 8/5/25) for up to 6 months. Open a caller SoFi Checking & Savings relationship with Eligible Direct Deposit by 1/31/26. Rates variable, taxable to change. Terms use astatine sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.