High-Yield Savings APY Comparison
A higher APY means your cash earns more while it waits. The effect on your funding timeline is modest but real, especially over several years.
| APY | Extra per $10,000 / yr |
|---|---|
| 0% | $0 |
| 3% | $300 |
| 4% | $400 |
| 5% | $500 |
These are example figures for illustration, not live quotes. Actual rates change and vary by bank — check your bank’s current rate.