Best high-yield savings interest rates today, September 12, 2025 (up to 4.30% APY return)

Find out if now is the right time to put your money in a savings account. The Federal Reserve cut the federal funds rate three times in late 2024. As a result, deposit interest rates are falling from their historic highs. Still, it's possible to find high-yield savings accounts paying above 4% APY. So, if you’re looking for the best rates available today, here’s a breakdown of where to find them. What bank currently has the highest savings interest rate? Although savings interest rates are elevated by hi ...