Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers. Overview of savings interest rates today The national average savings account rate stands at 0.40%, according to the FDIC. This might not seem like much, but consider that three years ago ...

高收益储蓄账户利率现状 - 高收益储蓄账户利率虽呈下降趋势 但部分最优账户年化收益率仍超过4% [1] - 传统储蓄账户平均利率仅为0.39% 远低于高收益账户水平 [2] - EverBank和Western Alliance提供当前最高储蓄利率 达4.30%年化收益率 [2] 历史利率变动趋势 - 2010-2015年利率处于历史低位 在0.06%至0.10%区间波动 主要受2008年金融危机及美联储近零利率政策影响 [3] - 2015-2018年利率开始逐步回升 但整体仍维持较低水平 [4] - 2020年新冠疫情导致利率再次大幅下降 2021年中平均储蓄利率降至0.05%-0.06%新低 [4] - 随后因应对通胀的加息政策推动利率显著回升 但2024年9月/11月/12月美联储降息导致存款利率开始回落 [5] 账户适用性分析 - 长期储蓄目标如教育基金或退休储备 储蓄账户收益率可能不足以满足需求 [5] - 短期目标如应急基金 房屋首付或度假储蓄 高收益储蓄账户具有理想特性 资金存取灵活 [6] - 货币市场账户和存单可能提供相当或更高收益率 但取款限制较多 [6]