High-yield savings accounts reach 4.36% APY despite recent Fed cuts
The most competitive high-yield savings accounts are still delivering returns above 4% annual percentage yield (APY), even after the Federal Reserve reduced the federal funds rate three times in late 2024 and again earlier this year. As of October 17, 2025, the top rate available from the financial institutions surveyed is 4.36% APY, provided by HealthcareBank. […]