Home RatesSavings Rates

No weekly change

High-Yield Savings Rate Trends

Track top savings APYs, national averages, and the rate gap between traditional banks and high-yield accounts.

Best HYSA APY

4.40% APY

Benchmark average

0.38% APY

User opportunity

$1,005 per year on $25,000

Historical archive

Savings Rates over time

No weekly change

Aug 7

4.20%

Aug 8

4.20%

Aug 9

4.20%

What changed

Rates are holding steady, which makes comparison discipline more important than timing.

Why it matters

Is my bank still paying me enough?

What to do next

Compare top accounts if you earn below 3.65% APY.

How we track this rateShow

SourceSwitchWize Rate Scout (Bankrate), updated daily

MethodTop APY sourced from SwitchWize Rate Scout daily scrape of FDIC-insured institutions. Teaser rates requiring unusually small or large balances are excluded. National average from FDIC weekly survey via rate_snapshots.

Verified existing coverage

Use what SwitchWize already has

6 links

GuideBest High Yield Savings Account: Top Picks ComparedCompare the best high yield savings account 2026 options ranked by APY, fees, and features. See how much more your cash could earn at today's top rates.GuideWhat the Bank Gap Index Measures, and What It CostsA definitional report on the SwitchWize Bank Gap Index: what it measures, how it is calculated, why the gap between the national-average and top-available savings rate persists, and what it costs a real household.GuideThe Aging Parents Money Playbook (2026)Helping aging parents is really two financial problems at once: paying for care that can run past $100,000 a year, and doing it without draining your own retirement. This is the playbook: the funding order that pays for care in the right sequence, how to protect your finances, the Medicaid five-year clock, and the documents to get in place first.GuideBest Banks for Creators in: Banking for Irregular, Multi-Platform IncomeCreator income arrives from many platforms, on no fixed schedule, mixing business and personal money. Most bank accounts are built for a steady paycheck. Here is what to look for, and how to structure accounts so taxes and irregular pay do not derail you.CalculatorRate Gap CalculatorCompare two entered APY scenarios over one year and show simple, non-compounded five- and ten-year extensions.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

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