Best high-yield savings interest rates today, January 28, 2026 (Earn up to 4% APY)

Here’s a look at how today’s high-yield savings account rates stack up. The Federal Reserve cut the federal funds rate three times in 2025, which means deposit rates have been steadily declining. It's more important than ever to ensure you're earning the highest rate possible on your savings, and a high-yield savings account could be the solution. These accounts pay more interest than the typical savings account — as much as 4% APY and higher. Not sure where to find the best savings interest rates today? ...