High-Yield Savings APYs Still Over 4% Despite the Fed's Rate Cut. Today's Savings Rates, Dec. 20, 2024

Here are the latest rates.

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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. 20, 2024, based on the banks we track at CNET.

Weekly percentage increase/decrease from Dec. 9, 2024, to Dec. 16, 2024.