Best high-yield savings interest rates today, November 12, 2025 (Earn up to 4.5% APY)

Here’s a look astatine however today’s high-yield savings relationship rates stack up. The Federal Reserve chopped the national funds complaint 3 times successful precocious 2024, and it precocious announced its 2nd complaint chopped of 2025 which means deposit rates are connected the decline. It's much important than ever to guarantee you're earning the highest complaint imaginable connected your savings, and a high-yield savings relationship could beryllium the solution.

These accounts wage much involvement than the emblematic savings relationship — arsenic overmuch arsenic 4% APY and higher. Not definite wherever to find the champion savings involvement rates today? Read connected to find retired which banks person the champion offers.

Historically speaking, savings relationship involvement rates person been high. That said, the rates connected accepted savings accounts airy successful examination to those offered for high-yield savings accounts.

For example, the mean savings relationship complaint is conscionable 0.40%, portion the champion savings involvement rates are mostly astir 4% to 4.5% APY.

As of November 12, 2025, the highest savings relationship complaint disposable from our partners is 4.5% APY. This complaint is offered by SoFi.*

Here is simply a look astatine immoderate of the champion savings rates disposable contiguous from our verified partners:

Deposit relationship rates — including savings rates — are tied to the national funds rate. This is the people involvement complaint acceptable by the Federal Reserve; erstwhile it increases its people rate, deposit relationship rates usually increase. And conversely, erstwhile the Fed lowers its rate, deposit rates fall.

After aggregate involvement complaint hikes by the Fed successful effect to skyrocketing inflation, it yet lowered the national funds complaint 3 times successful precocious 2024 and it precocious announced its 2nd complaint chopped of 2025. As a result, deposit rates are falling arsenic well.

Experts suggest that further complaint cuts could beryllium connected the horizon, truthful we tin expect savings relationship rates to proceed falling. However, high-yield savings accounts stay 1 of the champion places to safely store currency and gain the champion deposit rates available.

Choosing wherever to enactment your wealth is an important decision, and determination are a fewer factors you should see erstwhile evaluating your options. A high-yield savings relationship could marque consciousness if you’re looking for a unafraid spot to clasp shorter-term savings portion earning a coagulated return. Here are a fewer cardinal considerations:

• Interest rates: One of the astir important features of a savings relationship is the involvement rate. It’s important to store astir and comparison the champion offers to guarantee your wealth volition turn implicit time. Considering that savings rates volition apt driblet successful the adjacent future, opening a high-yield savings relationship present volition let you to instrumentality vantage of historically precocious rates.

• Goals: Today’s high-yield savings accounts connection rates we haven’t seen successful much than a decade. That said, savings rates inactive don’t lucifer mean returns for the banal market. If you’re redeeming for a semipermanent extremity similar retirement, a savings relationship astir apt isn’t the champion spot to enactment your money, since your equilibrium won’t turn astatine a gait that volition let you to scope your target. However, if you’re redeeming for a fiscal emergency, a down outgo connected a location oregon car, gifts for the vacation season, oregon different short-term goal, a savings relationship is simply a large spot to clasp those funds.

• Accessibility: Certain types of accounts and investments whitethorn supply higher returns than a savings account, but whitethorn marque it hard to entree your funds successful a pinch. For example, if you enactment your savings successful a certificate of deposit (CD) and request to entree the wealth earlier the maturity date, you could beryllium taxable to an aboriginal withdrawal penalty. So, if you privation to beryllium capable to dip into your savings arsenic needed, a high-yield savings relationship is apt the amended choice.

• Security: In astir cases, savings accounts are insured by the FDIC up to the national limit. They besides can’t suffer wealth owed to fluctuations successful the market, making them a low-risk option.

Read more: Can you negociate a higher savings relationship complaint with your bank?

*Earn up to 4.50% Annual Percentage Yield (APY) connected SoFi Savings with a 0.70% APY Boost (added to the 3.80% APY arsenic of 8/5/25) for up to 6 months. Open a caller SoFi Checking & Savings relationship with Eligible Direct Deposit by 1/31/26. Rates variable, taxable to change. Terms use astatine sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.