High-Yield Savings Interest Rates: Earn Up to 4.3% APY with Top Accounts

As of December 7, 2025, the highest savings account rate available is 4.3% APY, offered by SoFi. The national average savings account rate stands at 0.4%, according to the FDIC. With a high-yield savings account at 4% APY, a $1,000 deposit would grow to $1,040.81 in one year, while a $10,000 deposit would earn $408.08 in interest. The more you deposit, the more you stand to earn.