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Here are savings accounts from banks offering at least 4% interest on your savings right now. Plus, learn the factors to consider when opening a high-yield savings account.

Savings account interest rates have fluctuated over the years due to many different economic changes, such as during recessions, inflation, depressions and other economic conditions.

To give you an idea of how this works: Let’s say you put $5,000 in the Citizens account at 4.5% APY. That would earn $225 in interest over one year without you ever adding to the account.

Most standard checking accounts don’t earn any interest or have rates so low (such as 0.01% APY) customers may not even realize their account is technically earning interest.

Over the same period, $1,000 in a high-interest savings account with a 3% APY will have a balance of $1,030.45. Contributing $100 every month brings the total up to $2,248.58.

The interest rates make it barely worth bothering to open a PNC Bank savings account. The annual percentage yield (APY) you can earn on the PNC Standard Savings Account ranges from 0.01% to 0.03%.

If the same account with a $1,000 balance had a 2% interest rate with monthly compounding, you would receive 0.17% interest each month. After the first month, $1,000 turns into $1,001.67.