By TheStreet
You have a savings account, and you feel responsible for keeping it open and funded at your local bank branch. The balance sits there, earning a fraction of a penny for every dollar you deposit into that account each month.
Here is the part your bank branch never explains during those routine visits or brief conversations about your finances. The national average savings account interest rate is just 0.39% APY as of March 2026, according to the FDIC.
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