Best Savings Rates Today: Up to 4.1% APY for April 2026

As of April 26, 2026, the national average savings account rate is 0.38%, up from 0.06% three years ago, according to the FDIC. The highest savings account rate currently available is 4.10% APY, offered by CIT Bank. For comparison, a deposit of $1,000 at the average rate would yield $3.91 in interest after one year, while a high-yield account at 4% APY would yield $40.81. The amount of interest earned increases with larger deposits, such as $10,000 yielding $408.08 in a high-yield account.