Best high-yield savings interest rates today, December 14, 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 Current Savings Rates - The national average savings account rate is 0.4% as reported by the FDIC, up from 0.06% three years ago [2] - The best savings rates available today can reach 4% APY or higher [2] High-Yield Savings Accounts - SoFi offers the highest savings account rate at 4.3% APY as of December 14, 2025 [3] - Interest earned from savings accounts is determined by the annual percentage rate (APY), which accounts for base interest and compounding frequency [3] Interest Earnings Examples - A $1,000 deposit at the average rate of 0.4% would yield $4.01 in interest after one year, totaling $1,004.01 [4] - 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 [5]