Core Insights - The largest banks in the U.S. offer significantly low savings rates, with Chase, Bank of America, and Wells Fargo paying only 0.01% on standard savings accounts, which is substantially lower than the national average of 0.40% [3][9][10] - Customers are often unaware of the low rates they are receiving, leading to a lack of action to seek better options, which can result in substantial lost interest earnings [2][7][8] Group 1: Savings Rates Comparison - The three largest banks pay 0.01% on standard savings accounts, meaning a $10,000 balance would yield only $1 in interest annually [3][8] - In contrast, high-yield savings accounts can offer rates exceeding 4%, potentially earning over $400 more annually on the same balance [3][9][10] - The disparity in interest rates can lead to significant financial losses over time, with a $50,000 balance losing approximately $2,245 in potential earnings when compared to a high-yield account [10] Group 2: Reasons for Low Rates at Big Banks - Big banks rely on their large customer bases and assume that many customers will not seek out better rates, allowing them to maintain low payouts [4][7] - Smaller banks and online-only institutions often offer higher rates to attract deposits, as they lack the brand recognition and extensive customer bases of larger banks [10][11] - Operating costs are lower for many high-yield banks, enabling them to provide better rates to customers [11] Group 3: Customer Behavior and Perceptions - Many customers believe that their money is safer with larger banks, assuming they are "too big to fail," despite smaller banks offering the same federal protections for deposits [12] - The process of switching to a high-yield savings account is quick and straightforward, often taking only a few minutes online [13][14] - There is minimal effort required to open a better savings account, which could result in hundreds of dollars in additional earnings each year [15]

Unemployment is an unsettling situation that, for many, means a lack of steady income. As of Aug. 2025, 4.3% of Americans — 7.4 million — were unemployed and actively looking for work, according to the Bureau of Labor Statistics. If you’re part of that demographic, here’s what to know about using a credit card vs. using your savings account to meet your expenses. Should I use my credit card while unemployed? While you may be able to get by with your savings in the short term, long stretches of unemployme ...

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 Overview of Savings Interest Rates - The national average savings account rate is 0.4% as reported by the FDIC, up from 0.06% three years ago [2] - Despite the low national average, top savings accounts are offering rates of 4% APY and higher [2] Current Best Offers - As of November 23, 2025, the highest savings account rate available is 4.3% APY from SoFi [3] - The interest earned from a savings account is determined by the annual percentage rate (APY), which accounts for the base interest rate and compounding frequency [3] Interest Earnings Examples - A $1,000 deposit at the average interest rate of 0.4% would yield a total of $1,004.01 after one year, earning $4.01 in interest [4] - In contrast, 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 earned [5]

Group 1: Market Overview - U.S. investors are facing challenges including high tech stock valuations, hawkish Federal Reserve commentary, and unpredictable tariff policies from the Trump administration [1] - Despite Nvidia's strong earnings, the market experienced a sell-off, indicating potential volatility ahead [2] - High-quality international stocks have emerged as a refuge from U.S. market fluctuations [2] Group 2: Shinhan Financial Group - Shinhan Financial Group, a South Korean banking conglomerate, has a market cap of $25.5 billion and reported strong growth in interest income and net interest margins in Q3 2025 [3][5] - The company is trading at a Price-to-Earnings (P/E) ratio of 7.94 and a Price-to-Book (P/B) value of 0.5, with a dividend yield exceeding 3% [5] Group 3: POSCO Holdings - POSCO Holdings, valued at $16 billion, is transitioning from traditional steel manufacturing to lithium battery production, which offers higher margins [6][8] - The company has secured deals for lithium extraction in the U.S. and mining operations in Australia and Argentina, yet it trades at 14 times forward earnings and 0.4 times book value [6] Group 4: PLDT Inc. - PLDT Inc., the largest telecommunications company in the Philippines, offers a range of services and has developed the popular PayMaya app, now rebranded as Maya [9] - The stock trades at 7.5 times forward earnings and 1.2 times sales, with a dividend yield over 7%, presenting a potential buying opportunity after a recent drop [11] Group 5: United Microelectronics Corp. - United Microelectronics Corp. is a key player in the semiconductor foundry market, with a market share of 5% and major clients including Texas Instruments and Intel [12][14] - The stock is trading at 14 times forward earnings and 2.4 times sales, below industry averages, and has shown improved earnings performance in Q3 2025 [14]

Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers. Overview of savings interest rates today The national average savings account rate stands at 0.4%, according to the FDIC. This might not seem like much, but consider that three years ago ...

Core Insights - Coinbase Global (COIN) shares have increased by 22.4% year to date, outperforming the industry, sector, and the Zacks S&P 500 composite [1] - The company is positioned to benefit from a broader range of crypto assets, international expansion, strategic acquisitions, and increased market volatility [2] - COIN shares are currently trading 32% below their 52-week high of $444.65, indicating potential for further upside [3] Company Performance - COIN is the largest cryptocurrency exchange in the U.S. by trading volume, focusing on becoming the "everything exchange" in the crypto industry [9] - The company trades at a forward P/E of 49.85X, significantly higher than the industry average of 23.76X, indicating a premium valuation [10][20] - Recent initiatives include launching an end-to-end token sales platform and introducing a savings account with a 3.75% AER variable interest in the UK [11][12] Financial Metrics - COIN's return on equity (ROE) is 15.7%, above the industry average of 14.9%, and its return on invested capital is 10.6%, compared to the industry average of 6.2% [15] - The Zacks Consensus Estimate for 2025 and 2026 earnings has increased by 13.3% and 0.7%, respectively, over the past 30 days [16] - Revenue estimates for 2025 and 2026 imply year-over-year increases of 11.3% and 13.1%, respectively [19] Market Position and Strategy - Coinbase is expanding its subscription and service revenues, with USDC-related stablecoin income becoming a significant revenue driver [13] - The company is enhancing its market share in both U.S. spot and derivatives markets while broadening its product offerings [12] - Analysts express optimism regarding COIN's growth strategy, which includes increasing market share in spot trading and improving the trading experience [22]

Overview of Savings Interest Rates - The national average savings account rate is currently 0.4%, a significant increase from 0.06% three years ago [2] - Despite the low national average, some top savings accounts are offering rates as high as 4% APY and above [2] Best Available Rates - As of November 9, 2025, the highest savings account rate available is 4.5% APY, offered by SoFi [3] - The interest earned from a savings account is determined by the annual percentage rate (APY), which accounts for the base interest rate and compounding frequency [3] Interest Earnings Examples - A $1,000 deposit 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 $1,000 deposit in a high-yield savings account at 4% APY would grow to $1,040.81, earning $40.81 in interest over the same period [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]

Overview of Savings Interest Rates - The national average savings account rate is currently 0.4%, a significant increase from 0.06% three years ago [2] - Despite the low national average, some top savings accounts are offering rates as high as 4% APY and above [2] Best Savings Rates - The highest savings account rate available from partners is 4.5% APY, offered by SoFi [3] - The amount of interest earned from a savings account is determined by the annual percentage rate (APY) and the frequency of interest compounding, which is typically daily [3] Interest Earnings Example - A $1,000 deposit 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 $1,000 deposit in a high-yield savings account with a 4% APY would grow to $1,040.81, earning $40.81 in interest over the same period [4] Impact of Deposit Amount - Increasing the deposit amount significantly boosts potential earnings; 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]

Overview of Savings Interest Rates - The national average savings account rate is currently 0.4%, a significant increase from 0.06% three years ago [2] - Some of the best savings rates available today exceed 4% APY, with the highest being 4.21% APY offered by VIO Bank [3][2] Interest Earnings from Savings Accounts - The interest earned from a savings account is determined by the annual percentage rate (APY), which accounts for the base interest rate and compounding frequency [3] - For an average interest rate of 0.4% with daily compounding, a $1,000 deposit would yield $4.01 in interest after one year, resulting in a total balance of $1,004.01 [4] - In contrast, a high-yield savings account with a 4% APY would grow a $1,000 deposit to $1,040.81, earning $40.81 in interest over the same period [4] Impact of Deposit Amount on Interest Earnings - The amount deposited in a savings account directly 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]

Overview of Savings Interest Rates - The national average savings account rate is currently 0.40%, a significant increase from 0.06% three years ago [2] - Some of the best savings rates available today exceed 4% APY, with the highest being 4.36% APY offered by HealthcareBank as of October 18, 2025 [3] Interest Earnings from Savings Accounts - The interest earned from a savings account is determined by the annual percentage rate (APY), which accounts for the base interest rate and compounding frequency [3] - For an average interest rate of 0.40% with daily compounding, a $1,000 deposit would yield $4.01 in interest after one year, resulting in a total balance of $1,004.01 [4] - In contrast, a high-yield savings account offering 4% APY would generate $40.81 in interest on the same $1,000 deposit, leading to a total balance of $1,040.81 [4] Impact of Deposit Amount on Interest Earnings - The amount deposited in a savings account directly influences the interest earned; for example, a $10,000 deposit in a high-yield savings account at 4% APY would result in $408.08 in interest after one year, totaling $10,408.08 [5]