Rates on savings accounts are going down, with the highest yield on a standard savings account being 5.84% with a $2,500 minimum deposit.High-yield savings accounts requiring a minimum deposit of $10,000 offer an interest rate of 5.35%.For high-yield savings accounts with a minimum opening deposit of $25,000, the highest available rate is 4.41%.The current average APY for high-yield accounts is 0.24% with a $25,000 minimum deposit.