Best high-yield savings interest rates today, November 23, 2025 (Earn up to 4.3% APY)

Core Insights - The national average savings account interest rate is currently 0.4%, a significant increase from 0.06% three years ago [2] - Some high-yield savings accounts are offering rates as high as 4% APY, with the highest available rate being 4.3% APY from SoFi [2][3] Summary by Sections Overview of Savings Interest Rates - The national average savings account rate is 0.4% as reported by the FDIC, up from 0.06% three years ago [2] - Despite the low national average, top savings accounts are offering rates of 4% APY and higher [2] Current Best Offers - As of November 23, 2025, the highest savings account rate available is 4.3% APY from SoFi [3] - The interest earned from a savings account is determined by the annual percentage rate (APY), which accounts for the base interest rate and compounding frequency [3] Interest Earnings Examples - A $1,000 deposit at the average interest rate of 0.4% would yield a total of $1,004.01 after one year, earning $4.01 in interest [4] - In contrast, a $1,000 deposit in a high-yield savings account at 4% APY would grow to $1,040.81, earning $40.81 in interest [4] - For a $10,000 deposit 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 earned [5]