English Title:
Best high-yield savings interest rates today, Tuesday, October 13, 2026: Earn up to 4.25% APY

中文标题：
2026年10月13日星期二今日最佳高产储蓄利率:收入高达4.25%

English Content:
Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure. If you're looking to supercharge your savings, a high-yield savings account can provide a competitive interest rate to help your balance grow faster. However, not all banks offer high savings account rates, so it's important to shop around and find the most competitive savings interest rates available. Read on to learn more about where to find the best savings interest rates today. Learn more: What a Fed rate hike means for your money Where to find the best savings interest rates today The average interest rate on a traditional savings account is only 0.37%, according to the FDIC. However, today's best high-yield savings accounts pay around 3% to 4%. Today, Tuesday, October 13, 2026, the highest savings account rate available from our partners is 4.25% APY. This rate is offered by CIT Bank. Here is a look at some of the best savings rates available today: | ACCOUNT | RATE | NOTES | | CIT Bank Platinum Savings | Up to 4.25% APY | Accounts enrolled in the Platinum Savings earn up to 4.25% APY on balances of $5,000 or more. Enter promo code BOOST50 to receive a 0.50% APY bonus for six months from account opening. | | Happen Bank LevelUp Savings | Up to 4.2% APY | Must deposit at least $250 per month into your LevelUp account to earn 4.2%. If you miss a month, you'll earn the standard rate of 3% APY. | | VIO Bank Online Savings | 4.01% APY | | | Valley Bank Direct High-Yield Savings | 4% APY | Minimum deposit of $1,000 is required. New customers only (current customers earn 3.4%). | | SoFi High Yield Savings | Up to 4% APY | Open a new SoFi Checking and Savings account by 12/31/26, set up eligible direct deposit within 60 days, and maintain direct deposit for six months. | | Everbank | 3.9% APY | | | Forbright Bank Growth Savings Account | Up to 3.85% APY | | | Western Alliance Bank | 3.8% | | | Bask Interest Savings Account | 3.75% APY | | | Chime High-Yield Savings Account | 3.75% APY | Earn a 3.75% APY as a Chime Prime member or a 2.75% APY as a Chime Plus member when you receive a qualifying direct deposit. | | Barclays Bank Tiered Savings | 3.65% APY | Applies to balances up to $249,999 (balances of $250,000 and up earn 3.75% APY). | | CIT Bank Savings Connect | 3.65% APY | Annual percentage yield (APY) is accurate as of the publish date. Interest rates and APYs are variable and may change without notice. Minimum to open account is $100. Fees could reduce earnings on the account. Member FDIC. | | TAB Save | 3.61% APY | | | Synchrony High-Yield Savings Account | 3.3% APY | | | American Express HIgh-Yield Savings Account | 3% APY | | | Capital One 360 Performance Savings | 3% APY | | | Ally Savings Account | 3% APY | | How much interest can I earn with a high-yield savings account? The amount of interest you can earn from a savings account depends on the annual percentage rate (APY). This is a measure of your total earnings after one year when considering the base interest rate and how often interest compounds (savings account interest typically compounds daily). Say you put $1,000 in a savings account at the average interest rate of 0.38% with daily compounding. At the end of one year, your balance would grow to $1,003.81 — your initial $1,000 deposit, plus just $3.81 in interest. Now, let's say you choose a high-yield savings account that offers 4% APY instead. In this case, your balance would grow to $1,040.81 over the same period, which includes $40.81 in interest. The more you deposit in an HYSA, the more you stand to earn. If we took our same example of a high-yield savings account at 4% APY, but deposited $10,000, your total balance after one year would be $10,408.08, meaning you'd earn $408.08 in interest. Read more: What is a good savings account rate? What impacts HYSA rates? Deposit account rates — including savings rates — tend to move in the same direction as the federal funds rate. The Federal Reserve sets a target range for this benchmark rate as part of its monetary policy. When the Fed raises its rate, banks often increase the rates they pay on savings accounts and other deposits. When the Fed cuts rates, deposit account rates generally fall. However, banks set their own deposit rates, so changes aren't always immediate or proportional to Fed moves. Savings account rates have gone through some major swings over the past couple of decades. From 2010 through about 2015, average rates were sitting near historic lows (around 0.06% to 0.10%). That was largely a result of the 2008 financial crisis and the Federal Reserve's decision to keep its benchmark rate near zero to support the economy. Rates gradually increased from 2015 through 2018 as the Fed raised its benchmark rate, though savings yields remained relatively low by historical standards. Then came the COVID-19 pandemic. In 2020, the Fed once again slashed rates to near zero to support the economy, helping push average savings account rates down to roughly 0.05% to 0.06% by mid-2021. That changed dramatically beginning in 2022. As inflation surged, the Fed launched an aggressive series of rate hikes, eventually pushing the federal funds rate to 5.25%–5.50% in July 2023. Savings rates followed, particularly at online banks and credit unions, with many high-yield savings accounts eventually offering APYs of 4% or more. The trend reversed when the Fed began cutting rates in September 2024. It lowered the federal funds rate by a full percentage point over the final months of 2024, then cut rates three more times in late 2025, bringing the target range down to 3.50%–3.75%. As borrowing costs came down, savings account rates generally declined as well. Now, rates have changed direction again. On Sept. 16, 2026, the Fed raised the federal funds rate by 25 basis points to a target range of 3.75%–4% — its first rate hike in more than three years. The move was aimed at addressing inflation that remains above the Fed's 2% goal. That doesn't mean savings account rates will immediately jump, but they will likely start ticking up. Is now a good time to put your money in a high-yield savings account? Choosing where to put your money is an important decision, and there are a few factors you should consider when evaluating your options. A high-yield savings account could make sense if you're looking for a secure place to hold shorter-term savings while earning a solid return. Here are a few key considerations: - Interest rates: One of the most important features of a savings account is the interest rate. It's important to shop around and compare the best offers to ensure your money will grow over time. Considering that savings rates will likely drop in the near future, opening a high-yield savings account now will allow you to take advantage of historically high rates. - Goals: Today's high-yield savings accounts offer rates we haven't seen in more than a decade. That said, savings rates still don't match average returns for the stock market. If you're saving for a long-term goal like retirement, a savings account probably isn't the best place to put your money, since your balance won't grow at a pace that will allow you to reach your target. However, if you're saving for a financial emergency, a down payment on a home or car, holiday gifts, or another short-term goal, a savings account is a great place to hold those funds. - Accessibility: Certain types of accounts and investments may provide higher returns than a savings account, but may make it difficult to access your funds in a pinch. For example, if you put your savings in a certificate of deposit (CD) and need to access the money before the maturity date, you could be subject to an early withdrawal penalty. So, if you want to be able to dip into your savings as needed, a high-yield savings account is likely the better choice. - Security: In most cases, savings accounts are insured by the FDIC up to the federal limit. They also can't lose money due to fluctuations in the market, making them a low-risk option. Read more: Can you negotiate a higher savings account rate with your bank? Do online banks have the best savings account rates? Online banks operate exclusively via the web. This significantly reduces their overhead costs, so they're able to pass those savings onto customers in the form of high deposit rates and low fees. In fact, many of the best high-yield savings accounts also come with zero monthly fees or minimum opening deposit requirements. If you're searching for the best savings interest rates, online banks are a great place to start. That said, online banks aren't the only place you can find savings accounts with rates that range between 3% and 4% APY. Credit unions are not-for-profit financial cooperatives known for offering competitive rates and fewer fees. Many credit unions have requirements that must be met to become a member, though some allow just about anyone to join. How to open a high-yield savings account The requirements involved in opening a savings account vary by financial institution. However, if you're ready to open an account, you can follow these general steps: - Research savings account rates: Of course, when choosing a savings account, one of the most important factors to evaluate is the interest rate. Be sure that you select a savings account with a competitive rate to help your money grow. - Figure out your must-haves: Although savings account interest rates should be top of mind, that's not the only factor to consider. You'll also want to think about what else you need from your account, whether it's no minimum-balance requirement, low fees, or other perks. Finding a savings account with a solid rate that also helps you achieve your goals is key. - Prepare documentation: Opening a bank account requires you to provide a few important personal details and documents. Before you start your application, be sure you have your Social Security number, driver's license or passport number, and proof of address. - Fill out the application: In many cases, you can apply for a savings account online. However, some financial institutions may require you to visit the branch in person to apply. Either way, the application for a new savings account should only take a few minutes to complete. In many cases, you'll get your approval decision instantly. - Fund your account: Once your savings account application is approved, you'll need to add funds to the account. Be sure you're aware of any minimum opening deposit requirements and the timeline for funding. Read more: Step-by-step instructions for opening a high-yield savings account Is a high-yield savings account right for you? A high-yield savings account is a good fit if you want to earn a competitive return on money you'll need in the near future while keeping it safe and accessible. It's important to not only consider whether the interest rate is attractive, but whether the account matches the purpose of your savings. An HYSA may be right for you if... - You want to maximize your emergency fund. - You're saving for a goal within the next one to five years. - You have extra cash sitting in a low-interest checking or traditional savings account. - You prioritize safety over higher potential investment returns. - You don't need to write checks or use the money for everyday spending. An HYSA may not be the best choice if... - You're investing for retirement or another goal that's 10+ years away. Investing in a diversified portfolio has historically produced higher long-term returns, though with greater risk. - You won't need the money for a fixed period. If you can leave your savings untouched for several months or years, a certificate of deposit (CD) may offer a higher guaranteed yield. - You need frequent access to your money. A checking account is more convenient for paying bills and making everyday purchases.

中文正文：
这网页上的一些报价来自支付我们费用的广告商,这可能影响我们写哪些产品,而不是我们的建议。 见我们的广告商披露。 如果你想要超额充值你的储蓄,一个高收益的储蓄账户可以提供一个竞争性的利率来帮助你的平衡增长更快. 然而,并不是所有的银行都提供高储蓄账户利率,所以必须四处购物,找到现有最具竞争力的储蓄利率. 阅读更多关于今天在哪里找到最佳储蓄利率的信息。 学习更多:美联储提速对你的钱意味着什么? 今天哪里能找到最好的储蓄利率 根据FDIC,传统储蓄账户的平均利率仅为0.37%。 然而,今天最好的高收益储蓄账户支付大约3%至4%。 今天,2026年10月13日,星期二, 我们的合作伙伴可获得的最高储蓄账户利率 是4.25%APY。 这一费率由CIT银行提供。 以下是目前可得到的一些最佳储蓄率: 在5000美元或4.25%的余额上 再来 输入促销代码BOOST50,从开户起六个月内获得0.50%的APY奖金. Happen Bank Levelup储蓄 高达4.2% APY必须每月至少存250美元到您的LevelUp账户中,才能赚取4.2%。 如果错过一个月,你将获得3%的APY标准率. VIO银行在线储蓄 4.01% APY ALY ALY ALY ALY ALY Valley银行直接高义德储蓄 4% APY ALY 最低存款1000美元。 只有新客户(现客户收入为3.4%). 在12/31/26之前开设一个新的SoFi检查和储蓄账户,在60天内设立符合条件的直接存款,并保持6个月的直接存款。 (原始内容存档于2017-09-21). Everbank 39% APY 3 % APY 3 % APY 3 % 富赖特银行增长储蓄账户 最高至3.85% APY 3 % 西部联盟银行3.8% 巴斯克利息储蓄账户 3.75% APY 奇梅高义德储蓄账户 3.75% APY 收入3.75% APY 作为奇梅总理成员 或2.75% APY 作为奇梅加成员 获得符合条件的直接存款. 巴克莱银行分级储蓄3.65% APY用于249,999美元的余额(25万美元的余额和上涨的3.75%APY)。 CIT 银行储蓄连接 3.65% APY 年百分比 收益率(APY)从发布日期开始是准确的。 利率和APY是可变的,可能不经通知而改变。 最低开户额为100美元。 收费可减少账户收入。 会员FDIC. QQ TAB 保存 QQ 3.61% APY QQ Synchrony High-Yield 储蓄账户 APY 33% APY-Yield 储蓄账户 美国运通 HIgh-Yield 储蓄账户 3% APY 360 业绩储蓄 3% APY QQ 3% APY 储蓄账户 高收益储蓄账户能赚多少利息? 储蓄账户的利息金额取决于年利率(APY)。 这是在考虑基本利率和利息化合物(储蓄账户利息一般是每日化合物)时,一年之后你总收入的衡量标准。 说你把1000美元存入一个储蓄账户, 平均利率为0.38%, 每日复合。 在一年结束时,你的余额将增加到1 003.81美元——你的最初1 000美元的存款,加上利息的3.81美元。 假设你选择了一个高收益的储蓄账户 提供4%的APY。 在这种情况下,你的余额将在同一时期增加到1 040.81美元,其中包括40.81美元的利息. 你存入HYSA的存款越多 你就越能挣钱 如果我们以同样的例子 以4%的APY储蓄账户, 但存入10,000美元, 你一年后的总余额将是10,408.08美元, 这意味着你会赚408.08美元利息。 更多信息:什么是良好的储蓄账户率? 什么影响HYSA率? 存款账户利率——包括储蓄利率——往往与联邦基金利率的方向相同。 作为其货币政策的一部分,美联储为这一基准利率设定了目标范围。 当美联储提高利率时,银行往往会提高它们支付储蓄账户和其他存款的利率. 当美联储削减利率时,存款账户利率普遍下降. 然而,银行设定了自己的存款利率,因此变化并不总是与美联储的动作直接或相称的. 在过去几十年里,储蓄账户利率经历了一些重大波动。 从2010年到2015年,平均比率接近历史最低点(约0.06%至0.10%)。 这主要是由于2008年金融危机和美联储决定将其基准率保持在零左右以支持经济。 从2015年到2015年,失业率逐步上升 2018年随着美联储提高基准率,虽然按照历史标准,储蓄收益率仍然相对较低. 后来又出现了COVID-19大流行. 2020年,美联储再次将利率下调至接近零以支持经济,帮助到2021年中将平均储蓄账户利率推向约0.05%至0.06%. 这从2022年开始发生了巨大的变化。 随着通货膨胀的飙升,美联储发动了一系列激进的利率上涨,最终在2023年7月将联邦基金利率推至5.25%–5.50%. 随后的储蓄率,特别是在在线银行和信用社,许多高收益储蓄账户最终提供4%或以上的APY。 2024年9月美联储开始削减利率时,这一趋势逆转. 它在2024年最后几个月将联邦基金利率降低满百分点,然后在2025年末再降低3次,使目标范围降至3.50%–3.75%. 随着借款费用下降,储蓄账户利率也普遍下降。 现在,费率又改变了方向。 2026年9月16日,美联储将联邦基金利率提高25个基点,达到3.75%–4%的目标范围——三年多来首次提高利率. 行动是 目的是解决通货膨胀问题,而通货膨胀仍然高于美联储2%的目标。 这并不意味着储蓄账户的利率会立即上升, 但他们可能开始上升。 现在是时候把你的钱放进高收益的储蓄账户了吗? 选择将你的钱放在哪里是一项重要的决定,在评估你的选择时,有一些因素应该加以考虑. 一个高收益的储蓄账户,如果你想找一个安全的地方来保存短期的储蓄,同时获得坚实的回报,那就有意义了. 以下是几个关键考虑: - 利率:储蓄账户最重要的特征之一是利率. 关键是四处购物 比较最好的报价 以确保你的钱会随着时间的增长 考虑到储蓄率在不久的将来可能下降,现在开设一个高收益储蓄账户将使你能够利用历史高利率。 - 目标:今天的高收益储蓄账户 提供了我们十几年没有看到的比率。 也就是说,储蓄率仍然不符合股票市场的平均收益. 如果你为了退休这样的长期目标存钱 储蓄账户可能不是最好的地方 把你的钱, 因为你的平衡 不会增长的速度 让你达到你的目标。 然而,如果你为了金融紧急事件,为了家庭或汽车的首付,假日礼物,或者另一个短期目标而储蓄,储蓄账户是持有这些资金的好地方. - 可获取性:某些类别的账户和投资可能比储蓄账户提供更高的回报,但可能使资金难以短暂获取。 例如,如果将你的储蓄存入存款凭证(CD),并且需要在到期日之前获得这笔钱,则可被提前罚款。 所以,如果你想能够根据需要 吸收你的储蓄, 一个高收益的储蓄账户 可能是更好的选择。 - 安全:在多数情况下,储蓄账户由FDIC承保,但不超过联邦限额。 他们也不可能因为市场波动而失去资金,使他们成为低风险的选择. 更多信息:您能否与您的银行协商提高储蓄账户利率? 网上银行有最佳储蓄账户利率吗?. 在线银行完全通过网络运作。 这大大降低了他们的间接费用, 所以他们能够通过这些节省 以高存款率和低收费的形式向客户收取。 事实上,许多最好的高收益储蓄账户也有零月费或最低期初存款要求。 如果你正在寻找最好的储蓄利率,在线银行是很好的起点. 线上银行不是唯一一个 利率在3%到4%之间的储蓄账户 信用社是非营利金融合作社,以提供有竞争力的费率和较少的收费而闻名. 许多信用社都有成为成员必须满足的要求,虽然有些信用社允许大约任何人加入。 如何开立高收益储蓄账户 开设储蓄账户的要求因金融机构而异。 然而,如果你准备开户,可以遵循这些一般步骤: - 研究储蓄账户利率: 当然,在选择储蓄账户时,评估的最重要因素之一是利率。 确保您选择一个有竞争性利率的储蓄账户来帮助您的资金增长. 尽管储蓄账户利率应该是最高的,但这不是唯一的 考虑的因素。 你也会想从你的账户里 考虑你还需要什么, 无论是最低余额要求, 低收费,还是其他好处。 找到一个能帮助你实现目标的储蓄账户是关键所在。 - 准备证件:开立银行账户需要您提供一些重要的个人资料和文件。 在申请之前,请务必提供您的社会保障号码、驾照或护照号码以及地址证明。 - 填写申请表: 在很多情况下,您可在网上申请储蓄账户。 但有些金融机构可能要求您亲自前往分支机构申请。 无论哪种方式,申请新的储蓄账户只需几分钟即可完成. 在许多情况下,你会立刻得到你的批准决定. - 为您的账户注资:一旦您的储蓄账户申请获得批准,您就需要在账户中添加资金。 一定要知道任何最低的期初存款要求 和筹资时间表 更多信息:开立高产储蓄账户的分步指示 一个高收益的储蓄账户适合你吗? 一个高产 储蓄账户是很好的,如果你想 获得竞争性回报 在近期你需要的钱 同时保持它的安全,无障碍。 不仅要考虑利率是否具有吸引力,还要考虑账户是否与你的储蓄目的相符. 如果HYSA适合你的话... 你想尽量扩大你的紧急基金。 - 怎么样? 在接下来的一到五年里,你为了一个目标而存了钱. - 怎么样? 你有额外的现金 在一个低息支票 或传统的储蓄账户。 - 怎么样? 你优先考虑安全 而不是更高的潜在投资回报。 你不需要写支票或用钱做日常开支. HYSA可能不是最佳选择 如果... 你在为退休投资 还是另一个10年以上的目标 对多样化投资组合的投资历来产生了较高的长期收益,尽管风险更大。 - 怎么样? 你不需要钱 固定的时间。 如果您的储蓄数月或数年不受影响,存款证明(CD)可以提供更高的保证收益。 - 怎么样? 你需要经常得到你的钱。 支票账户更方便支付账单和日常购买.