Best high-yield savings interest rates today, October 13, 2025 (Earn up to 4.36% APY)

Core Insights - Current savings account rates are significantly above the national average, but are declining due to recent Federal Reserve rate cuts [1][5] - High-yield savings accounts offer competitive interest rates, with some reaching up to 4% APY or higher [2][3] - Online banks typically provide the best savings rates due to lower overhead costs compared to traditional banks [4] Savings Account Rates - As of October 13, 2025, the highest savings account rate available is 4.31% APY from Vio Bank [3] - The national average savings account rate is only 0.40%, while 1-year CDs average 1.70% [5] Importance of Comparison - It is crucial for consumers to compare rates across various financial institutions to secure the best savings account [6] - Factors beyond interest rates, such as minimum balance requirements, customer service, and financial stability, should also be considered when choosing a savings account [7]