Overview

• Nation-leading CD rates range from 4.80% to 5.51% for terms up to five years.
• Top high-yield savings accounts offer up to 5.36% APY with no minimum balance requirements.
• The Federal Reserve has paused rate hikes, creating a stable environment for savings rates.
• Digital banks and online accounts lead with the highest APYs, surpassing traditional banks.
• Experts suggest locking in rates now as future rate cuts remain uncertain.