Finest high-yield financial savings rates of interest at this time, February 15, 2026 (Earn as much as 4% APY)
Learn how a lot you can earn with at this time’s financial savings charges. Rates of interest on financial savings accounts have been falling, so it’s necessary to make sure you’re getting the perfect charge doable when buying round for a financial savings account. The next is a breakdown of financial savings rates of interest at this time and the place to search out the perfect presents.
The nationwide common financial savings account charge stands at 0.39%, in line with the FDIC. This won’t appear to be 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 perfect financial savings charges in the marketplace at this time are a lot greater. Actually, a number of the prime accounts are presently providing 4% APY and up.
As of February 15, 2026, the best financial savings account charge out there from our companions is 4% APY. This charge is obtainable by SoFi,* Valley Financial institution Direct, and Barclays.
Here’s a have a look at a number of the greatest financial savings charges out there at this time from our verified companions:
The quantity of curiosity you’ll be able to earn from a financial savings account will depend on the annual share charge (APY). It is a measure of your whole earnings after one 12 months when contemplating the bottom rate of interest and the way usually curiosity compounds (financial savings account curiosity sometimes compounds every day).
Say you set $1,000 in a financial savings account on the common rate of interest of 0.39% with every day compounding. On the finish of 1 12 months, your stability 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 a substitute. On this case, your stability 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 identical instance of a high-yield financial savings account at 4% APY, however deposit $10,000, your whole stability after one 12 months could be $10,408.08, which means you’d earn $408.08 in curiosity.
Learn extra: What is an effective financial savings account charge?
*Earn as much as 4.00% Annual Proportion 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.
