Here’s How Much You Can Make With $10K in High-Yield Savings Right Now

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If you have $10,000 sitting in a checking account or a low-interest savings account, your money could be working a lot harder. Right now, high-yield savings accounts (HYSAs) are offering some of the best rates we’ve seen in years.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Here’s what you could be earning right now, and why an HYSA might be the smartest place to stash your savings.HYSAs are still paying bigAs of mid-April 2025, some of our favorite HYSAs are offering up to 4.40% APY. That means if you put $10,000 into one of these accounts today, you could earn around $440 in interest over the next year — with no risk and full access to your money.Most of these accounts are also fee-free and don’t require a huge opening deposit. That means every dollar you add starts earning interest right away.Why HYSAs are a smart choiceUnlike some other savings options, like certificates of deposit, HYSAs keep your money accessible. You can deposit, withdraw, and move your cash as needed with no penalties and no waiting periods. That flexibility makes them a great fit for:Emergency fundsVacation savingsOther large upcoming purchasesAnd HYSAs offer all the same features as regular accounts from traditional banks. No need to stick with a big-name bank that is only offering a 0.01% APY.How to make the most of your HYSA earningsOpening an HYSA is only the first step. With a couple of smart habits, you can grow your savings even faster.Next, consider setting up automatic transfers from your checking account to your HYSA. It’s an easy way to grow your savings without thinking about it. Even small contributions can add up over time, especially with compound interest. For example, starting at $0 and contributing just $25 a week with an APY of 4.40% would earn you nearly $800 in interest over five years — and more than $3,300 over 10 years.Then, try to keep your money parked in the account as long as you can. The more time it has to earn interest, the more you’ll benefit from compounding. You can even move some of your current holdings into an HYSA with no linked checking account, reducing the temptation to withdraw and helping you keep your money growing.Your money deserves betterMoving your money to an HYSA takes just a few minutes — and the payoff can be hundreds of dollars per year.Whether you’re building an emergency fund or saving up for a big purchase, an HYSA gives you the best of both worlds: strong returns and total control.Ready to start making your money work harder for you? Check out our picks for the best HYSAs available today.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

If you have $10,000 sitting in a checking account or a low-interest savings account, your money could be working a lot harder. Right now, high-yield savings accounts (HYSAs) are offering some of the best rates we’ve seen in years.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Here’s what you could be earning right now, and why an HYSA might be the smartest place to stash your savings.

HYSAs are still paying big

As of mid-April 2025, some of our favorite HYSAs are offering up to 4.40% APY. That means if you put $10,000 into one of these accounts today, you could earn around $440 in interest over the next year — with no risk and full access to your money.

Most of these accounts are also fee-free and don’t require a huge opening deposit. That means every dollar you add starts earning interest right away.

Why HYSAs are a smart choice

Unlike some other savings options, like certificates of deposit, HYSAs keep your money accessible. You can deposit, withdraw, and move your cash as needed with no penalties and no waiting periods. That flexibility makes them a great fit for:

• Emergency funds
• Vacation savings
• Other large upcoming purchases

And HYSAs offer all the same features as regular accounts from traditional banks. No need to stick with a big-name bank that is only offering a 0.01% APY.

How to make the most of your HYSA earnings

Opening an HYSA is only the first step. With a couple of smart habits, you can grow your savings even faster.

Next, consider setting up automatic transfers from your checking account to your HYSA. It’s an easy way to grow your savings without thinking about it. Even small contributions can add up over time, especially with compound interest. For example, starting at $0 and contributing just $25 a week with an APY of 4.40% would earn you nearly $800 in interest over five years — and more than $3,300 over 10 years.

Then, try to keep your money parked in the account as long as you can. The more time it has to earn interest, the more you’ll benefit from compounding. You can even move some of your current holdings into an HYSA with no linked checking account, reducing the temptation to withdraw and helping you keep your money growing.

Your money deserves better

Moving your money to an HYSA takes just a few minutes — and the payoff can be hundreds of dollars per year.

Whether you’re building an emergency fund or saving up for a big purchase, an HYSA gives you the best of both worlds: strong returns and total control.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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