Best high-yield savings interest rates today, November 26, 2025 (Earn up to 4.3% APY)

Core Insights - The Federal Reserve has cut the federal funds rate three times in late 2024 and recently announced a second rate cut for 2025, leading to a decline in deposit rates [1][5] - High-yield savings accounts offer significantly higher interest rates compared to traditional savings accounts, with rates reaching up to 4.3% APY as of November 26, 2025 [2][3] Interest Rate Trends - The average savings account rate is currently at 0.40%, while high-yield savings accounts can offer rates around 4% to 4.5% APY [3] - Deposit account rates are directly tied to the federal funds rate, meaning that as the Fed lowers its target rate, deposit rates also decrease [4][5] Investment Considerations - High-yield savings accounts are recommended for short-term savings goals due to their competitive interest rates and security features [6][7] - While high-yield savings accounts provide better returns than traditional accounts, they may not match the long-term growth potential of stock market investments [6]