Still keeping your money in a traditional savings account? If so, it's likely costing you hundreds of dollars a year in interest. Move it to a high-yield savings account that earns 4.00% APY, though, and you'd earn about $320 annually -- almost $300 more, and enough to buy a new pair of AirPods. Not bad. Right now, the average savings account APY is just 0.38%, according to the Federal Reserve. But some of the best high-yield savings accounts (HYSAs) are paying 4.00% APY or more -- over 10 times the average ...