High-Yield Savings: Best Rates & Tips

High-yield savings accounts offer rates above 4% APY, with SoFi leading at 4.3% as of December 23, 2025. These rates surpass the national average of 0.39% and provide better returns than traditional savings accounts. Rates have fluctuated over the past decade, but high-yield accounts remain ideal for short-term goals like emergency funds or down payments. SoFis new member rate is boosted to 4.3% APY through January 31, 2026.The Daily News Now! — Every city. Every story. AI-powered. Hosted on Acast. See acast.com/privacy for more information.