Best high-yield savings interest rates today, Friday, June 12, 2026: Up to 4.10% APY return

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Find out if now is the right time to put your money in a savings account. In 2024, the Federal Reserve implemented a series of cuts to the federal funds rate, and those rates continued on a downward trend throughout 2025. As a result, deposit interest rates have fallen from their historic highs.

So far in 2026, the Fed has kept interest rates unchanged. Still, it's possible to find high-yield savings accounts paying above 4% APY. So, if you're looking for the best rates available today, here's a breakdown of where to find them.

Although savings interest rates are elevated by historical standards, the national average rate for savings accounts is still just 0.38%, according to the FDIC. The good news: Top high-yield savings accounts offer more than 10 times the national average.

As of June 12, 2026, the highest savings account rate available from our partners is 4.10% APY. This rate is offered by Bask Bank .

Here is a look at some of the best savings rates available today from our verified partners:

Remember, it's important to shop around before opening a savings account . Interest rates vary widely, but several banks (particularly online banks ) and credit unions offer highly competitive 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 .