What Is the Average EAR? A Guide to Effective Annual Rates
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3 min read
As of October 2025, the national average money market account rate was approximately 0.59%, while top-tier high-yield savings accounts offered over 4% APY, illustrating that there is no single "average" EAR across all products. The Effective Annual Rate (EAR) is the true annual rate of return or cost after accounting for compounding interest.
