Finest high-yield financial savings rates of interest right this moment, January 25, 2026 (Earn as much as 4% APY)
Learn how a lot you would earn with right this moment’s financial savings charges. Rates of interest on financial savings accounts have been falling, so it’s vital to make sure you’re getting the very best fee potential when procuring round for a financial savings account. The next is a breakdown of financial savings rates of interest right this moment and the place to search out the very best presents.
The nationwide common financial savings account fee stands at 0.39%, in response to the FDIC. This may not look like a lot, however take into account that three years in the past, it was simply 0.06%.
Though the nationwide common financial savings rate of interest is pretty low in comparison with different investments, the very best financial savings charges available on the market right this moment are a lot increased. Actually, a number of the prime accounts are presently providing 4% APY and up.
As of January 25, 2026, the best financial savings account fee out there from our companions is 4% APY. This fee is obtainable by SoFi,* Valley Financial institution Direct, and Barclays.
Here’s a take a look at a number of the greatest financial savings charges out there right this moment from our verified companions:
The quantity of curiosity you possibly can earn from a financial savings account is dependent upon the annual share fee (APY). It is a measure of your whole earnings after one 12 months when contemplating the bottom rate of interest and the way typically curiosity compounds (financial savings account curiosity sometimes compounds day by day).
Say you set $1,000 in a financial savings account on the common rate of interest of 0.39% with day by day compounding. On the finish of 1 12 months, your steadiness would develop to $1,003.91 — your preliminary $1,000 deposit, plus simply $3.91 in curiosity.
Now let’s say you select a high-yield financial savings account that gives 4% APY as an alternative. On this case, your steadiness would develop to $1,040.81 over the identical interval, which incorporates $40.81 in curiosity.
The extra you deposit in a financial savings account, the extra you stand to earn. If we took our similar instance of a high-yield financial savings account at 4% APY, however deposit $10,000, your whole steadiness after one 12 months can be $10,408.08, which means you’d earn $408.08 in curiosity.
Learn extra: What is an effective financial savings account fee?
*Earn as much as 4.00% Annual Share Yield (APY) on SoFi Financial savings with a 0.70% APY Enhance (added to the three.30% APY as of 12/23/25) for as much as 6 months. Open a brand new SoFi Checking & Financial savings account and enroll in SoFi Plus by 1/31/26. Charges variable, topic to alter. Phrases apply at sofi.com/banking#2. SoFi Financial institution, N.A. Member FDIC.
