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APY

American

[ey-pee-wahy] / ˈeɪˈpiˈwaɪ /

noun

Finance, Banking.

annual percentage yield: the annual rate of interest that a savings account or investment will return to the person who owns it, including any compound interest.

Etymology

Origin of APY

First recorded in 1970–75

Example Sentences

Examples are provided to illustrate real-world usage of words in context. Any opinions expressed do not reflect the views of Dictionary.com.

Maintaining incentives like 6% APY can be difficult and may even be unsustainable over time, Xiang Zheng, an assistant professor of finance at the University of Connecticut, recently told MarketWatch.

From MarketWatch • Apr. 16, 2026

To grow your money before the holiday rush, consider parking your sinking fund in high-yield savings accounts that often let you earn up to 5% APY.

From Salon • Nov. 26, 2024

For a time, the ceiling for defensive tackles was Aaron Donald’s deal, which has a $22.5 million APY.

From Washington Post • Mar. 9, 2023

Those firms offer clients anywhere from a 2% annual percentage yield to as high as 40% APY on certain tokens.

From Reuters • Feb. 10, 2023

But in a high-yield savings account that has a 0.50% APY rate, a deposit of $10,000 would grow by more than $50 in the same time period.

From Seattle Times • Oct. 27, 2021

Definitions and idiom definitions from Dictionary.com Unabridged, based on the Random House Unabridged Dictionary, © Random House, Inc. 2023