The rates on savings accounts remain steady, with an average APY of 0.22% for traditional savings accounts.High-yield savings accounts offer higher interest rates, with the current best rate at 4.88% for a minimum deposit of $10,000.For high-yield savings accounts with a minimum deposit of $25,000, the highest available rate is 4.40%.When choosing an account, consider factors such as high interest rates, minimum deposits, fees, and the financial institution's reputation and safety.