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High-Yield Savings Account Rates Today: June 25, 2025 – Rates Are Steady
- Savings account rates remain the same compared to one week ago, with the possibility to earn up to 5.84% interest.
- Online banks and credit unions offer higher rates than traditional brick-and-mortar banks.
- The average APY for a traditional savings account is 0.22%, showing a slight increase in rates.
- High-yield savings accounts provide higher interest rates but may require specific conditions.
- The best interest rate on high-yield accounts with a $10,000 minimum deposit remains at 4.88%.
- The average APY for these accounts is 0.23%, unchanged from the previous week.
- For high-yield savings accounts with a $25,000 minimum deposit, the highest available rate is 3.94%.
- The average APY for a high-yield account with a $25,000 deposit is 0.24%.
- When choosing an account, consider factors like interest rates, minimum deposits, and fees.
- Ensure the financial institution is reputable and insured by the FDIC or NCUA.
- Interest rates on savings accounts can fluctuate based on the Federal Reserve's rate changes.
- Financial institutions adjust borrowing and savings rates in response to the Fed's rate adjustments.
- The Federal Reserve changes rates during meetings of the Federal Open Market Committee.
- Curinos calculates average savings account rates focusing on personal-use accounts.
- Relationship-based and specialized savings accounts are not included in the average rate calculation.
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