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Story summary
- High-yield savings accounts from U.S. banks and online lenders reach up to 5.00% APY as of April 27 2026.
- The FDIC-reported national average stays at 0.38%, far below the new rates.
- Fixed-rate CDs pay 4.05%-4.10% for six-to-nine months but lock funds until maturity.
- All accounts are FDIC or NCUA insured up to $250,000, though rates could fall if the Federal Reserve cuts benchmark rates.
