{"id":457,"date":"2025-11-03T09:00:49","date_gmt":"2025-11-03T10:00:49","guid":{"rendered":"http:\/\/www.capitalskips.com\/?p=457"},"modified":"2025-11-03T12:14:49","modified_gmt":"2025-11-03T12:14:49","slug":"high-yield-savings-account-rates-today-november-3-2025-rates-are-steady","status":"publish","type":"post","link":"http:\/\/www.capitalskips.com\/index.php\/2025\/11\/03\/high-yield-savings-account-rates-today-november-3-2025-rates-are-steady\/","title":{"rendered":"High-Yield Savings Account Rates Today: November 3, 2025 \u2013 Rates Are Steady"},"content":{"rendered":"<div class=\"key-takeaways-wrapper exclude-eds\">\n<h2 class=\"key-takeaways-wrapper__title\">Key Takeaways<\/h2>\n<div class=\"key-takeaways-content block-contents\">\n<ul>\n<li>Savings account yields are much higher than a few years ago&nbsp;<\/li>\n<li>Top rates may fall if the Federal Reserve cuts interest rates<\/li>\n<li>Online banks tend to offer the best yields available<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<p>Rates on savings accounts are about the same versus last week. You can now earn up to 4.50% on your savings.<\/p>\n<p>Shopping for an account where you can park some cash? Here&#8217;s a look at some of the best savings rates you can find today.<\/p>\n<p><strong>Related:<\/strong> <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Find the Best High-Yield Savings Accounts Of 2025&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>Find the Best High-Yield Savings Accounts Of 2025<\/a><\/span><\/p>\n<div style=\"min-height:333px\" id=\"datawrapper-vis-uKTj2\"><img src=\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-28.png\" alt=\"Highest Savings Account Rates Today (Table)\" \/><\/div>\n<div style=\"margin-bottom: 20px\"> <\/div>\n<h2 class=\"wp-block-heading\">Traditional Savings Account Rates Today<\/h2>\n<p>Traditional savings accounts, called &#8220;statement savings accounts&#8221; within the banking industry, were notorious for paying meager interest in the aftermath of the Great Recession. Rates have been on the rise in recent years, and you can earn even more if you know where to look. For instance, <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;online banks&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/banking\/best-online-banks\/\" target=\"_blank\" rel=\"noopener\">online banks<\/a><\/span> and credit unions often pay much higher rates than brick-and-mortar banks.<\/p>\n<p>The highest yield on a standard account with a $2,500 minimum deposit is 5.84%, according to data from Curinos. If you see a basic savings account with a rate in that ballpark, you&#8217;ve done well for yourself. Last week, the highest yield was 5.84%.<\/p>\n<p>Today&#8217;s <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;average APY&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/banking\/savings\/average-savings-interest-rates\/\" target=\"_blank\" rel=\"noopener\">average APY<\/a><\/span> for a traditional savings account is 0.22%, Curinos says. APY, or annual percentage yield, accurately represents the actual amount your account will earn during one year. It factors in compound interest, which is the interest that builds up on the interest in your account.<\/p>\n<h2 class=\"wp-block-heading\">High-Yield Savings Account Rates Today<\/h2>\n<p><span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;High-yield savings accounts&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/\" target=\"_blank\" rel=\"noopener\">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 <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;credit union&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a href=\"https:\/\/www.forbes.com\/advisor\/banking\/best-credit-unions\/\" target=\"_blank\" rel=\"noopener\">credit union<\/a><\/span> or putting down a large deposit.<\/p>\n<p>On high-yield accounts requiring a minimum deposit of $10,000, today&#8217;s best interest rate is 4.88%. That&#8217;s about the same as one week ago.<\/p>\n<p>The average APY for those accounts is now 0.23%, unchanged from a week ago.<\/p>\n<p>On high-yield accounts requiring a minimum deposit of $25,000, the highest available rate today is 4.22%. You&#8217;ll be in good shape if you can get an account offering a rate close to that. That&#8217;s about the same as one week ago.<\/p>\n<p>The current average APY for those accounts is now 0.25%, unchanged from a week ago.<\/p>\n<h2 class=\"wp-block-heading\">National Average Savings Account Yields<\/h2>\n<p>Here&#8217;s an overview of how the national average APY on savings accounts has changed over the past few years.<\/p>\n<div style=\"min-height:461px\" id=\"datawrapper-vis-TtXRy\"><img src=\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-29.png\" alt=\"National Average Savings Yields (Line chart)\" \/><\/div>\n<div style=\"margin-bottom: 20px\"> <\/div>\n<h2 class=\"wp-block-heading\">This Week&#8217;s Best High-Yield Savings Accounts<\/h2>\n<p>Here&#8217;s an overview of the current APYs available from some of today&#8217;s best high-yield savings accounts.<\/p>\n<div style=\"min-height:576px\" id=\"datawrapper-vis-GAlSR\"><img src=\"http:\/\/www.capitalskips.com\/wp-content\/uploads\/2025\/09\/full-30.png\" alt=\"\"><\/img><\/div>\n<div style=\"margin-bottom: 20px\"><\/div>\n<h2 class=\"wp-block-heading\">How High Can Savings Rates Go?<\/h2>\n<p>That&#8217;s tough to say\u2014it depends on the path of inflation and the overall economy.<\/p>\n<p>The highest interest rates in recent history were seen in the early 1980s when the Fed hiked the federal funds rate to over 19%. That was in response to record-breaking inflation that had prices rising at a rate of over 14% annually.<\/p>\n<p>In the early 1980s, a three-month CD went as high as 18% compared to around 5% today, according to Federal Reserve data. Savings rates eventually fell as inflation cooled and the federal funds rate was brought back down.<\/p>\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n<p>Curinos determines the average rates for savings accounts by focusing on those intended for personal use. Certain <span data-ecom-container=\"{&quot;componentTitle&quot;:&quot;types of savings accounts&quot;,&quot;componentType&quot;:&quot;Incontent Link&quot;}\"><a>types of savings accounts<\/a><\/span>\u2014such as relationship-based accounts and accounts designed for youths, seniors and students\u2014are not considered in the calculation.<\/p>\n<div id=\"embed-ui-widget-iframe-6908930280f21-container\" style=\"width:100%;overflow:hidden\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;&quot;,&quot;componentType&quot;:&quot;Embed UI Widget&quot;}\"><\/div>\n<div id=\"cta-builder\" class=\"cta-builder exclude-eds default dark-mode\" data-ecom-container=\"{&quot;componentTitle&quot;:&quot;Find The Best High-Yield Savings Accounts Of 2025&quot;,&quot;componentType&quot;:&quot;CTA Builder&quot;}\">\n<div class=\"cta-builder__wrap \" data-ecom-product=\"{&quot;itemId&quot;:&quot;&quot;,&quot;itemName&quot;:&quot;Find The Best High-Yield Savings Accounts Of 2025&quot;,&quot;itemBrand&quot;:&quot;&quot;,&quot;itemCategory&quot;:&quot;Banking&quot;,&quot;itemCategory2&quot;:&quot;&quot;,&quot;itemCategory3&quot;:&quot;&quot;,&quot;itemCategory4&quot;:&quot;&quot;,&quot;price&quot;:0,&quot;quantity&quot;:1,&quot;affiliation&quot;:&quot;&quot;,&quot;coupon&quot;:&quot;&quot;,&quot;secondaryCallout&quot;:&quot;&quot;,&quot;initialCost&quot;:0,&quot;subscriptionCost&quot;:0}\">\n<div class=\"left\">\n<h2 class=\"cta-builder__title\">Find The Best High-Yield Savings Accounts Of 2025<\/h2>\n<p class=\"cta-builder__desc\">\n<\/div>\n<div class=\"right\">\n\t\t\t<a href=\"https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/\" class=\"cta-builder__btn cta-builder-button\" data-nofollow=\"false\" data-component=\"Default with Blue Background\" data-cta-placement=\"Button Link\" style=\"background-color:#13B698\" data-trellis-widget-wrapper-id=\"6908930280f7b\" data-ecom-link=\"{&quot;clickText&quot;:&quot;Learn More&quot;,&quot;clickCat&quot;:&quot;Primary&quot;,&quot;clickUrl&quot;:&quot;https:\/\/www.forbes.com\/advisor\/banking\/savings\/best-high-yield-savings-accounts\/&quot;,&quot;clickType&quot;:&quot;internal&quot;}\"><br \/>\n\t\t\t\t<span>Learn More<\/span><br \/>\n\t\t\t<\/a>\n\t\t<\/div>\n<\/div>\n<\/div>\n<h2 class=\"faq-title\" id=\"\">\n\tFrequently Asked Questions (FAQs)<br \/>\n<\/h2>\n<div class=\"main-faqs\">\n<div class=\"faqs\">\n<div class=\"faq-question\">\n<div class=\"plus-minus\"><\/div>\n<h3 class=\"question-text\">What is a good interest rate for a savings account?<\/h3>\n<\/div>\n<div class=\"faq-answer wysiwyg-content\">\n<p>The best high-yield savings account pays 4.50% now, according to Forbes Advisor data, so you&#8217;ll want to aim for an account that delivers a yield in that ballpark.<\/p>\n<p>But rates aren&#8217;t everything. You want an account that charges few fees, offers great customer service and has a track record of being a stable institution.<\/p>\n<\/div>\n<\/div>\n<div class=\"faqs\">\n<div class=\"faq-question\">\n<div class=\"plus-minus\"><\/div>\n<h3 class=\"question-text\">How are savings account interest rates determined?<\/h3>\n<\/div>\n<div class=\"faq-answer wysiwyg-content\">\n<p>Savings yields are variable and can change depending on economic conditions or a bank&#8217;s particular financial need. Usually rates are influenced by the federal funds rate, meaning that a bank tends to raise or lower its rates along with the Fed.<br \/>\u00a0<br \/>Online banks and credit unions tend to offer the best yields because they can pass along savings from low overhead while also striving to attract new customers.<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Savings account yields are much higher than a few years ago&nbsp; Top rates may fall if the Federal Reserve cuts interest rates Online banks tend to offer the best yields available Rates on savings accounts are about the same versus last week. You can now earn up to 4.50% on your savings. Shopping [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[],"_links":{"self":[{"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/posts\/457"}],"collection":[{"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/comments?post=457"}],"version-history":[{"count":3,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/posts\/457\/revisions"}],"predecessor-version":[{"id":460,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/posts\/457\/revisions\/460"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/media\/258"}],"wp:attachment":[{"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/media?parent=457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/categories?post=457"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.capitalskips.com\/index.php\/wp-json\/wp\/v2\/tags?post=457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}