{"id":256,"date":"2025-09-22T10:09:35","date_gmt":"2025-09-22T10:09:35","guid":{"rendered":"http:\/\/www.capitalskips.com\/?p=256"},"modified":"2025-09-22T12:08:18","modified_gmt":"2025-09-22T12:08:18","slug":"high-yield-savings-account-rates-today-september-22-2025-rates-are-steady","status":"publish","type":"post","link":"http:\/\/www.capitalskips.com\/index.php\/2025\/09\/22\/high-yield-savings-account-rates-today-september-22-2025-rates-are-steady\/","title":{"rendered":"High-Yield Savings Account Rates Today: September 22, 2025 \u2013 Rates Are Steady"},"content":{"rendered":"
Rates on savings accounts are relatively unchanged since last week. You can now earn as much as 5.50% on your savings.<\/p>\n
In the market for an account where you can put some money aside? Here’s a look at some of the best savings rates you can find today.<\/p>\n
Related:<\/strong> Find the Best High-Yield Savings Accounts Of 2025<\/a><\/span><\/p>\n Traditional savings accounts, called “statement savings accounts” in the banking world, have been notorious for paying paltry interest in past years, especially after the Great Recession. That’s changed more recently, and you can find rates 10-times higher than those offered by traditional financial institutions if you opt for an online bank<\/a><\/span> or a credit union.<\/p>\n Today’s highest APY on a standard savings account with a $2,500 minimum deposit requirement is 5.84%, according to data from Curinos. If you spot a basic savings account with a rate in that ballpark, you’ve found a good deal. Last week, the highest yield was 5.84%.<\/p>\n Today’s average APY<\/a><\/span> for a traditional savings account is 0.23%, Curinos says. APY, or annual percentage yield, reflects the actual return your account will earn during one year. It accounts for compound interest, which is the interest that accrues on the interest in your account.<\/p>\n High-yield savings accounts<\/a><\/span> typically pay substantially more interest than conventional savings accounts. But the trade-off is you may have to jump through some hoops to earn that higher rate, such as becoming a member of a credit union<\/a><\/span> or putting down a large deposit.<\/p>\n On high-yield accounts requiring a minimum deposit of $10,000, today’s best interest rate is 4.88%. That’s about the same as one week ago.<\/p>\n The average APY for those accounts is now 0.23%, unchanged from a week ago.<\/p>\n On high-yield accounts requiring a minimum deposit of $25,000, the highest available rate today is 4.22%. You’ll be in good shape if you can nail down an account offering a rate close to that. That’s about the same as one week ago.<\/p>\n The current average APY for those accounts is now 0.25%, unchanged from a week ago.<\/p>\n Here’s an overview of how the national average APY on savings accounts has changed over the past few years.<\/p>\n Here’s an overview of the current APYs available from some of today’s best high-yield savings accounts.<\/p>\n To find the best savings account for your needs, you first must answer the question: What exactly are you looking for? And you must realize that different types of accounts have trade-offs.<\/p>\n If you want to open an account at a traditional bank with branches, that will likely rule out the best interest rates, which are typically available at online-only banks<\/a><\/span>. Many traditional savings accounts at brick-and-mortar banks earn just 0.01% or 0.02% APY, while some online-only savings accounts earn more than 4.00% APY.<\/p>\n Don’t settle on any option until you’re certain you have a good grasp on the fees you’ll be charged. Savings accounts can ding you with monthly service fees, excess withdrawal fees and returned item fees (if you deposit checks that bounce), among others. Those charges add up and can gnaw away at your savings.<\/p>\n As you shop around, check the reviews and ratings of financial institutions and make sure you choose one that will protect your money with federal insurance\u2014from the FDIC or, in the case of credit unions, the NCUA.<\/p>\n
<\/img><\/div>\nTraditional Savings Account Rates Today<\/h2>\n
High-Yield Savings Account Rates Today<\/h2>\n
National Average Savings Account Yields<\/h2>\n
<\/img><\/div>\nThis Week’s Best High Yield Savings Accounts<\/h2>\n
<\/img><\/div>\nHow To Choose a Savings Account<\/h2>\n
Methodology<\/h2>\n