Interest rates on savings accounts have been falling, but some top accounts offer 4% APY and up. The national average savings account rate is 0.39%, up from 0.06% three years ago. With daily compounding, you could earn $3.91 on $1,000 at 0.39% APY, or $40.81 at 4% APY. Deposit more for higher earnings.

Read more at Yahoo Finance: Best high-yield savings interest rates today, February 14, 2026 (Earn up to 4% APY)