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flag Varo Money offers the highest savings rate at 5.00% APY, far above the national average of 0.38%.

flag As of July 1, 2025, the highest savings account rate is 5.00% APY offered by Varo Money, significantly higher than the national average of 0.38%. flag High-yield accounts, mainly from online banks, attract customers with no minimum balance requirements. flag Meanwhile, the average 30-year fixed mortgage rate is 6.678%, showing little change. flag Refinancing rates are around 6.75%, with costs typically between 2% and 6% of the loan amount.

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