The Best Savings Rates Nationwide—Up to 5%

These high-yield accounts offer the top rates

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August 13, 2026 8:43pm EDT

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Could You Be Earning More on Your Savings?

If your spare cash isn’t earning at least 4.00% right now, you’re leaving money on the table. The best high-yield savings account currently offers 4.26% APY, crushing the national average savings account rate of 0.38% by over 11x. If that account isn’t the right fit, our ranking includes 20 additional offers yielding 4.00% or better, giving you plenty of options to grow your money.

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Outpace inflation and lock in a high rate with a top CD: Set it and forget it. Savings accounts offer flexibility, but the best CDs provide certainty. Our ranking includes 16 CD accounts with APYs of 4.35% to 5.00%, allowing you to easily beat inflation with guaranteed rates ranging from 4 months to 5 years.

New high rate for 1-year CDs: The best 1-year CD rate recently rose 10 basis points and now sits at 4.40%, the highest it’s been since September, 2025. This return is well above the national average and beats the current inflation rate by more than a percentage point. Grab it while you can.

The CD sweet spot: If 6 months feels too short but inflation makes a long-term bet feel too risky, the best 18-month CDs offer a smart middle ground. The top rate just increased yet again to 4.50%, up 45 basis points from February. Lock in a premium rate today, and adjust your strategy in 2028 as necessary when your CD term is up.

Save money for long-term goals: If you're saving for a goal two years out, locking in a high rate lets you set it and forget it. The top 2-year CD recently increased to 4.45%, providing guaranteed growth into 2028.

Defend your wealth until summer 2030: Short-term offers might grab headlines, but the best 4-year CD rates want your attention too, with a recent jump of 20 basis points to 4.50%. A multi-year CD is an easy way to put your savings on autopilot and tune out the volatility of coming years.

Long-term offers are getting more attractive: The best 5-year CD rate has also increased and now sits at 4.50%, the highest rate we’ve seen since August, 2024. This long-term commitment beats today’s inflation rate and guarantees a steady growth trajectory for your cash, no matter where rates go next.

Save more and stay flexible with a money market account: Money market APYs can change when the Fed makes an adjustment, but with the central bank expected to hold firm or raise rates this year, the best deals of 4.00% are likely to stick around or even climb. MMAs bridge the gap between savings and checking accounts, offering high yields with the added benefit of check-writing privileges.

Earn even better rates with a high-interest checking account: If you already use a debit card regularly, you could earn up to 6.75% APY with the best high-interest checking accounts. These accounts often outperform savings accounts and CDs, as long as you meet monthly requirements.

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The Best Savings Rates Nationwide—Up to 5%

These high-yield accounts offer the top rates

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