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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

Top verified account, read from the bank page itself. See every verified rate today

Benchmark average

0.38% APY

User opportunity

$1,005 per year on $25,000

Historical archive

Savings Rates over time

No weekly change

Nov 5

4.40%

Nov 6

4.40%

Nov 7

4.40%

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 2027: Top Picks ComparedCompare the best high yield savings account 2027 options ranked by APY, fees, and features. See how much more your cash could earn at today's top rates.GuideOctober Added 165,000 Jobs, and a December Fed Hike Looks Likely. 52 of 87 Savings Accounts Did Not Raise Their Rate After the Last One.October hiring came in at more than twice the forecast, and odds of a December Fed hike rose to about 77% to 80%. What the last hike did for savers, and what a second one is worth.GuideNew I Bonds Pay 5.51%, More Than Any Savings Account We Track. Their 1.40% Fixed Rate Never Changes.The November 2026 I bond rate is 5.51%, with a 1.40% fixed rate, the highest since 2006. How it compares with savings and CDs, and when savings still wins.GuidePaying for a Parent’s Care: Costs, Coverage and Family BudgetCompare care costs, existing insurance and public programs together. Check financial authority and decide what family support is affordable before signing.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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3.88%

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4.05% APY

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