Best High-Yield Savings Rates Today, Oct. 27, 2026: Up to 5.00% APY Available Now
Why your savings rate is costing you
Top HYSAs are paying up to 5.00% APY — more than 13X the national average of 0.38%. On a $10,000 balance, that difference equals about $462 in extra interest per year. Scale that up and the gap becomes real money fast.
What’s driving these rates: Online banks are competing aggressively for deposits,