- As taxas de juros de contas de poupança estão diminuindo
- É importante comparar as taxas antes de abrir uma conta
- A inflação pode influenciar as decisões do Fed e dos bancos
Earlier this year, the APY on my high-yield savings account was 4.25%, but now it’s 4.00%. I used to get emails regularly from my bank when my rate increased, but this time the bank lowered its savings rate quietly and without warning.
Some high-yield savings accounts still offer over 5% annual percentage yields — more than 10 times the national average — but experts don’t anticipate high savings rates to last forever. Based on my own experience, it’s clear that the days of high rates are coming to an end.
If you’re still holding your emergency or sinking fund in a traditional savings account, it’s worth making the move to earn interest on the money you’re saving. Otherwise, you may be losing out on interest to grow your savings. Here are some of the top savings account APYs available right now: Experts recommend comparing rates before opening a CD account to get the best APY possible. Enter your information below to get CNET’s partners’ best rate for your area.