Best high-yield savings interest rates today, November 29, 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 of Savings Interest Rates - The national average savings account rate is 0.4% as reported by the FDIC, which is low compared to other investment options [2] - The best savings rates available today can reach up to 4% APY or higher, indicating a competitive market for high-yield savings accounts [2] Interest Earnings Example - A deposit of $1,000 at the average interest rate of 0.4% would yield a total of $1,004.01 after one year, resulting in $4.01 in interest [4] - In contrast, a high-yield savings account with a 4% APY would grow the same $1,000 deposit to $1,040.81, earning $40.81 in interest over the same period [4] Impact of Deposit Amount - Increasing the deposit amount significantly affects the interest earned; for example, a $10,000 deposit in a high-yield savings account at 4% APY would result in a total balance of $10,408.08 after one year, earning $408.08 in interest [5]