An account's APY is the total amount of interest you'll earn on your deposit over one year, including compound interest, expressed as a percentage, with many HYSAs compounding daily or monthly.

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For example, after comparing traditional and high-yield savings, I realized I was earning an annual percentage yield (APY ... adding a compounding effect that translates to a lot more money ...

You don't enter APY as the rate when you're calculating compound interest, however. The formula calculates it based on the interest rate, compounding frequency and the number of times interest ...