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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
Apr 20Apr 21Apr 22Apr 23Apr 28Apr 30May 5May 6May 7May 8May 10May 11May 14May 15May 16May 17May 18May 19May 21May 22May 23May 24May 25May 26May 27May 28May 29May 31Jun 1Jun 2Jun 3Jun 4Jun 5Jun 6Jun 7Jun 8Jun 9Jun 10Jun 11Jun 12Jun 13Jun 14Jun 16Jun 17Jun 18Jun 19Jun 21Jun 22Jun 23Jun 24Jun 25

Jun 23

4.50%

Jun 24

4.50%

Jun 25

4.50%

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.GuideSoFi vs Marcus: Which High-Yield Savings Account Wins for Your Situation?SoFi and Marcus compared on rate, features, safety, and savings tools — here's how to decide which high-yield savings account fits your situation.GuideBest Debit CardsWe ranked the best debit cards of 2026 by the job they do best: cash back, high-yield savings, fee-free overdraft, ATM reach, and teen accounts.GuideThe Best High-Yield Savings Account for a Kid or Teen inA child's savings account at a big bank pays near zero, and over a long runway that gap compounds into real money. Here is how to put a kid's cash in a high-yield account, and the tax line to watch.CalculatorRate Gap CalculatorSee exactly how much money your bank is costing you every year.ComparisonProduct comparisonExisting SwitchWize comparison page connected to this rate.

Related rate pages

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Product rate

CD Rates

-5bps this week

4.15% APY

Best 12-month CD APY

See where CD yields sit today, how the lock-in window is changing, and when a CD ladder may make sense.

Benchmark

Fed Funds

No weekly change

3.63%

Fed funds midpoint

Track the Fed policy rate and how it can affect savings APYs, CD rates, mortgage rates, and credit card APRs.

Product rate

Money Market

+5bps this week

4.10% APY

Best MMA APY

Track money market account yields for savers who want higher APY with more access than CDs.

Product rate

Card APRs

No weekly change

24.99% APR

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