Interest rates on savings accounts have been decreasing, so it’s important to ensure you’re getting the best rate possible. The national average savings account rate is currently 0.40%, up from 0.06% three years ago. However, some top savings accounts are offering rates as high as 4% APY. HealthcareBank is currently offering the highest rate at 4.36% APY as of October 19, 2025. The amount of interest earned depends on the annual percentage rate (APY) and how often interest compounds. Choosing a high-yield savings account can significantly increase your earnings, with a $10,000 deposit potentially earning you $408.08 in interest over a year.

Read more at Yahoo Finance: Best high-yield savings interest rates today, October 19, 2025 (Earn up to 4.36% APY)