If you want to maximize your earnings, we don’t recommend waiting.
Here are the best savings APYs that are still around and what to know before opening an account.
drop your information below to get CNET’s partners' best rate for your area.
If the Fed opts to cut, you could see a dip in savings rates.
A potential dip in rates doesn’t change Smith’s opinion about the value of HYSAs.
Smith recommends comparing for better rates, offers and fees once a year.
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 Dec. 18, 2024, based on the banks we track at CNET.
Weekly percentage increase/decrease from Dec. 9, 2024, to Dec. 16, 2024.
