Here’s how much $10,000 in a high-yield savings account could earn you in 1 year

Key takeaways $10,000 in a competitive high-yield savings account (4% annual percentage yield) earns $400 in one year. Big bank savings accounts (0.01% APY) would earn only $1 on $10,000 per year. High-yield accounts are best for emergency funds and short-term savings goals. If you deposit $10,000 in a savings account earning the national average rate — 0.60%, according to Bankrate’s weekly survey of institutions as of March 3, 2026 — you’d earn just $60 in a year. Many big banks pay as little as ...