Best high-yield savings interest rates today, January 23, 2026 (up to 4% APY return)

As of January 23, 2026, interest rates for high-yield savings accounts, money market accounts, and certificates of deposit (CDs) are available at competitive rates, with some offering returns up to 4% APY. This comes after a series of federal funds rate cuts by the Federal Reserve in 2024 and 2025, which have led to a general decline in deposit interest rates. Consumers are encouraged to compare rates to maximize their savings.