High-yield savings account rates remain steady on December 31, 2025.

High-yield savings account rates were unchanged from a week earlier on December 31, 2025, with the top standard account rate reported at 5.84% and averages near 0.22%. This is a routine market update and steady figures may change gradually over time.

Rates on high-yield savings accounts were unchanged from a week ago on December 31, 2025. The highest advertised yield on a standard account with a $2,500 minimum is reported as 5.84%. Average APYs for many standard savings accounts remain near 0.22%. Savings rates have risen in recent years and are influenced by central bank policy. What we know so far: - The top standard savings account yield is reported as 5.84% for accounts with a $2,500 minimum. - For high-yield accounts requiring a $10,000 minimum, the highest reported rate is about 4.88%. - For accounts requiring a $25,000 minimum, the highest reported rate is about 4.17%. - National average APYs for the examined accounts are reported near 0.22–0.24% and were unchanged week-over-week. - Savings rates typically move in response to Federal Reserve policy decisions and related market shifts. Summary: Savers with larger balances can still find advertised rates above 4%, while national averages remain low and may matter more for small-balance savers. Financial institutions often update rates after central bank decisions, so the timing of any future changes is undetermined at this time. This is a routine market update and steady figures may change gradually over time.