Finest high-yield financial savings rates of interest right this moment, February 22, 2026 (Earn as much as 4% APY)

Learn the way a lot you may earn with right this moment’s financial savings charges. Rates of interest on financial savings accounts have been falling, so it’s necessary to make certain you’re getting the very best fee attainable when buying round for a financial savings account. The next is a breakdown of financial savings rates of interest right this moment and the place to seek out the very best gives.

The nationwide common financial savings account fee stands at 0.39%, in response to the FDIC. This won’t seem to be a lot, however take into account 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 very best financial savings charges in the marketplace right this moment are a lot larger. In reality, among the prime accounts are presently providing 4% APY and up.

As of February 22, 2026, the very best financial savings account fee accessible from our companions is 4% APY. This fee is obtainable by SoFi* and Valley Financial institution Direct.

Here’s a take a look at among the finest financial savings charges accessible right this moment from our verified companions:

The quantity of curiosity you’ll be able to earn from a financial savings account is determined by the annual share fee (APY). It is a measure of your whole earnings after one 12 months when contemplating the bottom rate of interest and the way typically curiosity compounds (financial savings account curiosity sometimes 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 steadiness 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 provides 4% APY as a substitute. On this case, your steadiness 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 similar instance of a high-yield financial savings account at 4% APY, however deposit $10,000, your whole steadiness after one 12 months can be $10,408.08, which means you’d earn $408.08 in curiosity. ​​

Learn extra: What is an efficient financial savings account fee?

*Earn as much as 4.00% Annual Proportion 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.