Savings accounts are a secure way to save money while earning interest. The interest rate on a savings account determines how much your money can grow over time. Generally, savings account interest rates are modest, but they offer safety and liquidity.

To maximize your earnings, it's important to compare rates offered by different banks and credit unions. Online banks often provide higher yields than traditional brick-and-mortar institutions. Keep an eye on the annual percentage yield (APY), which reflects the compounding effect on your savings.

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