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6 High Yield Savings Accounts to Build Wealth in 2024The best high-yield savings accounts have annual percentage yields, or APYs, that are about 10 times higher than the national average rate of %. Compare the best high-yield savings account rates with our ranking of over national banks and credit unions. Today's top savings rate is % from. Annual Percentage Yield (APY). % APY � Minimum balance. $1 minimum deposit � Monthly fee. None � Maximum transactions. Up to 6 transactions.