CIT Bank offers top savings rate of 4.1% APY on May 30, 2026

The highest available high-yield savings account rate reached 4.1% APY on Saturday, May 30, 2026, through CIT Bank, according to partner data. That rate vastly exceeds the national average savings rate of 0.38%, as reported by the FDIC. A $1,000 deposit at 4.1% APY would earn about $41 in interest over one year, versus just $3.81 at the average rate. For a $10,000 deposit, interest earnings would climb to roughly $410. The national average has risen from 0.06% three years ago but remains a fraction of the best offers available.