Money

Best high-yield savings interest rates today, January 12, 2026 (Earn up to 4% APY)

January 12, 2026

As of January 12, 2026, high-yield savings accounts, certificates of deposit (CDs), and money market accounts are offering competitive interest rates, with some accounts reaching up to 4.1% APY. This comes in the wake of the Federal Reserve's three interest rate cuts in 2025, which have had a significant impact on deposit account rates, prompting consumers to seek the best possible returns on their savings.

Credit: Yahoo

Key Highlights

High-yield savings accounts are offering rates up to 4% APY.
CD rates are available at up to 4.1% APY.
Money market accounts are also offering rates up to 4.1% APY.
The Federal Reserve cut interest rates three times in 2025, affecting deposit account rates.
Consumers are encouraged to lock in high rates before potential further declines.

Sources

This quick summary is automatically generated using AI based on reports from multiple news sources. The content has not been reviewed or verified by humans. For complete details, accuracy, and context, please refer to the original published articles.

Best high-yield savings interest rates today, January 12, 2026 (Earn up to 4% APY)

Key Highlights

Sources

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