Best high-yield savings interest rates today, November 8, 2025 (Earn up to 4.5% APY)

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Find retired however overmuch you could gain with today’s savings rates. Interest rates connected savings accounts person been falling, truthful it’s important to beryllium definite you’re getting the champion complaint imaginable erstwhile buying astir for a savings account. The pursuing is simply a breakdown of savings involvement rates contiguous and wherever to find the champion offers.

The nationalist mean savings relationship complaint stands astatine 0.4%, according to the FDIC. This mightiness not look similar much, but see that 3 years ago, it was conscionable 0.06%.

Although the nationalist mean savings involvement complaint is reasonably debased compared to different investments, the champion savings rates connected the marketplace contiguous are overmuch higher. In fact, immoderate of the apical accounts are presently offering 4% APY and up.

Today, 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:

The magnitude of involvement you tin gain from a savings relationship depends connected the yearly percent complaint (APY). This is simply a measurement of your full net aft 1 twelvemonth erstwhile considering the basal involvement complaint and however often involvement compounds (savings relationship involvement typically compounds daily).

Say you enactment $1,000 successful a savings relationship astatine the mean involvement complaint of 0.4 % with regular compounding. At the extremity of 1 year, your equilibrium would turn to $1,004.01 — your archetypal $1,000 deposit, positive conscionable $4.01 successful interest.

Now let’s accidental you take a high-yield savings relationship that offers 4% APY instead. In this case, your equilibrium would turn to $1,040.81 implicit the aforesaid period, which includes $40.81 successful interest.

The much you deposit successful a savings account, the much you basal to earn. If we took our aforesaid illustration of a high-yield savings relationship astatine 4% APY, but deposit $10,000, your full equilibrium aft 1 twelvemonth would beryllium $10,408.08, meaning you’d gain $408.08 successful interest.

Read more: What is simply a bully savings relationship rate?

*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.