Find the Best Rates for Your Safe Money

Compare high-yield savings accounts, CDs, and Treasury bonds. All FDIC-insured. Updated weekly.

Best HYSA
5.00%
Best CD
4.15%
I-Bond Rate
4.03%

Last updated: January 28, 2026

Top High-Yield Savings Accounts

Highest APY rates from FDIC-insured banks

View all →
BankAPYMin. DepositMonthly Fee
#1Varo
5.00%$0$0Visit →
Newtek Bank
4.35%$0$0Visit →
Axos ONE
4.31%$0$0Visit →
Barclays Tiered Savings
3.85%$0$0Visit →
Barclays Online Savings
3.70%$0$0Visit →

Best CD Rates by Term

Lock in guaranteed rates with certificates of deposit

View all →

6 Month CD

Northern Bank Direct

4.15%
Compare

12 Month CD

Marcus by Goldman Sachs

4.00%
Compare

18 Month CD

Ally Bank

3.70%
Compare

Treasury Products

Government-backed bonds with unique tax advantages

Learn more →

I-Bonds

Inflation-protected savings bonds

Popular
4.03%

Fixed rate: 0.90% + Inflation rate: 1.56%. Annual limit: $10,000.

I-Bond details

T-Bills (52-week)

Short-term Treasury bills

0.00%

State tax exempt. Buy through TreasuryDirect or brokerage. Multiple term options available.

T-Bill rates

Not sure which is right for you?

Use our calculators to compare returns and find the best option for your goals.