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High Yield Savings Accounts 2025 Capital One. This is significantly higher than the national average of 0.45% apy. Capital one said wednesday, july 17, 2025, it plans to offer $265 billion in lending, investing and philanthropy projects as part of its $35 billion merger with discover financial. With interest rates varying between 4% and 5.50% and always changing, i’m happy with most hysas without fees. Is capital one 360 right for you?