Money

Best high-yield savings interest rates today, January 16, 2026 (up to 4% APY return)

January 17, 2026

As of January 16, 2026, various financial products including high-yield savings accounts, CDs, and money market accounts are offering competitive interest rates, with some reaching up to 4.1% APY. Despite a trend of declining rates due to Federal Reserve cuts in 2024 and 2025, consumers can still find opportunities to maximize their returns by comparing account offerings.

Best high-yield savings interest rates today, January 16, 2026 (up to 4% APY return)

Credit: Yahoo

Key Highlights

High-yield savings accounts offer rates up to 4% APY.
CDs are providing competitive rates, also up to 4% APY.
Money market accounts have rates reaching 4.1% APY.
The Federal Reserve cut the federal funds rate six times from 2024 to 2025.
Consumers are encouraged to compare rates to maximize earnings.

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 16, 2026 (up to 4% APY return)

Key Highlights

Sources

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Best money market account rates today, January 17, 2026 (best account provides 4.1% APY)