Finest high-yield financial savings rates of interest at this time, February 21, 2026 (Earn as much as 4% APY)

Learn how a lot you might earn with at this time’s financial savings charges. Rates of interest on financial savings accounts have been falling, so it’s essential to make certain you’re getting the perfect price 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 seek out the perfect gives.

The nationwide common financial savings account price stands at 0.39%, in line with the FDIC. This won’t look like a lot, however think about 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 larger. In truth, among the prime accounts are presently providing 4% APY and up.

Right this moment, the very best financial savings account price accessible from our companions is 4% APY. This price is obtainable by SoFi* and Valley Financial institution Direct.

Here’s a have a look at among the greatest financial savings charges accessible at this time from our verified companions:

The quantity of curiosity you’ll be able to earn from a financial savings account is dependent upon the annual proportion price (APY). It is a measure of your complete earnings after one 12 months when contemplating the bottom rate of interest and the way typically curiosity compounds (financial savings account curiosity usually compounds every day).

Say you place $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 an alternative. 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 complete stability after one 12 months could be $10,408.08, that means you’d earn $408.08 in curiosity. ​​

Learn extra: What is an effective financial savings account price?

*Earn as much as 4.00% Annual Share Yield (APY) on SoFi Financial savings with a 0.70% APY Increase (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 vary. Phrases apply at sofi.com/banking#2. SoFi Financial institution, N.A. Member FDIC.