Best high-yield savings interest rates today, October 19, 2025 (Earn up to 4.36% APY)

Overview of Savings Interest Rates - The national average savings account rate is currently 0.40%, a significant increase from 0.06% three years ago [2] - Despite the low national average, some top savings accounts are offering rates as high as 4% APY and above [2][3] Best Savings Account Rates - As of October 19, 2025, the highest savings account rate available is 4.36% APY from HealthcareBank [3] - The amount of interest earned from a savings account is determined by the annual percentage rate (APY) and the frequency of interest compounding, which is typically daily [3] Interest Earnings Examples - A deposit of $1,000 at the average interest rate of 0.40% would yield a total of $1,004.01 after one year, resulting in $4.01 in interest [4] - Conversely, a high-yield savings account offering 4% APY would grow the same $1,000 deposit to $1,040.81, earning $40.81 in interest over the same period [4] - For a deposit of $10,000 in a high-yield savings account at 4% APY, the total balance after one year would be $10,408.08, resulting in $408.08 in interest [5]