We analyzed “best savings account” reviews from 9 financial sites to find the most-recommended high-yield savings accounts ...

If it’s a savings account you’re looking for, you can still get decent returns, with the best available high-yield savings accounts today promising 4% APY or more, well above the national average.

High-yield savings accounts continue to far exceed the average savings account rate (it pays a paltry .41% APY, FDIC data shows), with some high-yield accounts paying upwards of 4%.

Savings account rates — $2,500 minimum deposit. The highest interest rate on a standard savings account today is 5.84%, per Curinos, the same as a week ago.

Other savings accounts might only pay the highest APY on the first $1,000 of savings. Access to money: Some savings accounts have withdrawal limits and other account restrictions. You might be ...

Other types of tax-advantaged accounts allow bigger contributions, with 401(k)s allowing for $22,500 in 2023 contributions for those under 50 or $30,000 for those 50 or older.

The best high-yield savings account pays 5.84% now, according to Curinos data, so you’ll want to aim for an account that delivers a yield in that ballpark. But rates aren’t everything.

We analyzed “best savings account” reviews from 8 financial sites to find the most-recommended high-yield savings accounts right now Updated: April 15, 2025 at 2:42 p.m. ET Share ...

Savings account rates — $2,500 minimum deposit. The highest interest rate on a standard savings account today is 5.84%, per Curinos, the same as a week ago.

For Roth accounts that are part of a 401(k) or 403(b), that's also true. But not for long. Beginning in 2024, like all Roths, even those will not require withdrawals until the owner's death.