High Yield Savings Accounts You Must Have | 3 Best Savings Accounts in 2022 Let's discuss the high yield savings accounts you must have in 2022. These are the 3 best high yield savings accounts that give you up to 6.17% apy. The average bank account typically pays between 0.01% to 0.05% which means that it would take you upwards of 7200 years to double your money when using the rule of 72 to calculate how long to double your money.