Today's High-Yield Savings Rates for July 23, 2025: Up to 4.66%
With the average savings account paying 0.38%, according to the Federal Deposit Insurance Corporation (FDIC), it might feel a little bleak for savers. However, high-yield savings accounts still offer a way to get a little more yield. The best high-yield savings account pays a much higher yield.
Indeed, the top rate from a national bank is 4.66% APY, according to DepositAccounts.com. Locally, you might be able to check with a credit union or community bank. For example, ConnectOne Bank in New York offers an APY of 4.00% if you have at least $2,500 deposited.
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