Best high-yield savings interest rates today, November 24, 2025 (Earn up to 4.3% APY)

Core Insights - Current savings account rates are significantly above the national average, but are expected to decline due to Federal Reserve rate cuts [1][5] - High-yield savings accounts offer competitive interest rates, with some reaching up to 4.3% APY, primarily from online banks [2][3] Savings Account Rates - The national average savings account rate is currently at 0.40%, while 1-year CDs average 1.68% [5] - The highest savings account rate available as of November 24, 2025, is 4.3% APY from SoFi [3] Importance of Comparison - It is crucial for consumers to compare rates across financial institutions to secure the best savings account [3][6] - Online banks typically offer higher rates due to lower overhead costs compared to traditional banks [3][4] Factors to Consider - When choosing a savings account, factors such as minimum balance requirements, customer service, and digital banking tools should be evaluated [6][7] - Ensuring that the account is insured by the FDIC or NCUA is essential for protecting deposits [7]