But not very many.
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Rates aren’t as high as the 5% APYs we saw from some banks last year.
Rates are hovering below 4.50% APY, and experts predict that the decline will continue.
“It is always worth it to earn a little extra on your already-saved money.”
Assuming the rate stays the same for the next 12 months, you’ll earn $21.60 in interest.
Each account received a score between one (lowest) and five (highest).
None of the banks on our list charge monthly maintenance fees.
Accounts that impose restrictive residency requirements or fees for exceeding monthly transaction limits may also be rated lower.
*APYs as of Jan. 15, 2025, based on the banks we track at CNET.
Weekly percentage increase/decrease from Jan. 6, 2025, to Jan. 13, 2025.
**Varo offers 5% APY only on balances of less than $5,000.
