Core Insights - Money market accounts (MMAs) offer higher interest rates compared to traditional savings accounts, along with liquidity and flexibility, making them suitable for long-term savings that require occasional access [1] - The national average interest rate for MMAs is currently 0.39%, but top accounts can offer rates above 4% APY, similar to high-yield savings accounts [3][13] - Historical trends show that MMA rates have fluctuated significantly due to changes in the Federal Reserve's target interest rate, with rates dropping to near zero during economic crises and rising sharply in response to inflation [4][5][7] Interest Rate Trends - Following the 2008 financial crisis, MMA rates were low, typically between 0.10% and 0.50% [5] - The COVID-19 pandemic led to another decline in rates as the Fed cut its benchmark rate to near zero [6] - Starting in 2022, aggressive interest rate hikes by the Fed resulted in historically high MMA rates, with many accounts offering 4.00% or higher by late 2023 [7] - Rates have remained high but are trending downward following Fed rate cuts in late 2024 and into 2025 [8] Choosing a Money Market Account - When selecting an MMA, factors beyond interest rates should be considered, such as minimum balance requirements, fees, and withdrawal limits [9] - Some MMAs require a high minimum balance to earn the highest rates, while others may charge monthly maintenance fees [10] - It is crucial to ensure that the chosen account is insured by the FDIC or NCUA, which guarantees deposits up to $250,000 per institution [11] Earnings Potential - The amount earned in an MMA depends on the APY and the duration of the deposit; for example, a $10,000 deposit at 4% APY could yield $407.44 in interest after one year [14]

High-yield savings account rates have been falling, but some of the best accounts still pay above 4% APY. In order to get the highest interest rate possible on your savings, it’s important to do your research and find competitive offers. Not sure where to start? Here’s a closer look at savings interest rates today and where you can find the best ones. Where are the best savings interest rates today? The average interest rate on a traditional savings account is only 0.39%, according to the FDIC. However, ...

Core Insights - High-yield savings account rates have been declining, yet some accounts still offer rates above 4% APY, necessitating research to find competitive offers [1][2] Interest Rates Overview - The average interest rate for traditional savings accounts is currently 0.39% as reported by the FDIC, while high-yield accounts can offer significantly higher rates [2] - As of December 23, 2025, the highest savings account rate available is 4.3% APY from SoFi [2] Historical Trends - From 2010 to 2015, savings account interest rates were extremely low, ranging from 0.06% to 0.10%, primarily due to the 2008 financial crisis and the Federal Reserve's near-zero target rate [3] - Interest rates began to rise gradually from 2015 to 2018 but remained low historically; the COVID-19 pandemic in 2020 caused another sharp decline, bringing rates down to around 0.05% to 0.06% by mid-2021 [4] - Since 2021, savings account rates have improved due to the Federal Reserve's interest rate hikes in response to inflation, but recent cuts in the federal funds rate have led to a decline in deposit rates [5] Account Suitability - High-yield savings accounts are suitable for short-term savings goals such as emergency funds or vacations, allowing easy access to funds [6] - For long-term savings goals, traditional savings accounts may not provide sufficient returns compared to market investments [5]

Core Insights - Money market accounts (MMAs) offer higher interest rates compared to traditional savings accounts, along with liquidity and flexibility, making them suitable for long-term savings that may be accessed for purchases or bills [1] Interest Rates - The national average interest rate for MMAs is currently 0.39%, while the best rates can exceed 4% APY, similar to high-yield savings accounts [3] - By late 2023, many MMAs were offering rates of 4.00% or higher, with some accounts potentially exceeding 5% APY throughout 2024 [7] - Rates have been historically high but are trending downward following recent Federal Reserve rate cuts [8] Historical Context - MMA rates have fluctuated significantly due to changes in the Federal Reserve's target interest rate, particularly during economic events such as the 2008 financial crisis and the COVID-19 pandemic [4][5][6] - Following the 2008 crisis, MMA rates were low, typically between 0.10% and 0.50%, but increased as the economy improved and the Fed raised interest rates [5][6] Account Features - When selecting an MMA, factors beyond interest rates should be considered, including minimum balance requirements, fees, and withdrawal limits [9] - Some MMAs may require a minimum balance of $5,000 or more to earn the highest rates, and monthly maintenance fees can reduce interest earnings [10] - There are competitive MMAs available without balance requirements or fees, emphasizing the importance of comparing options [10] Insurance and Safety - It is crucial to ensure that the chosen MMA is insured by the FDIC or NCUA, which protects deposits up to $250,000 per institution, per depositor [11]

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 late 2024, and it recently announced its third rate cut of 2025 which means deposit rates are on a steady decline. 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 ...

Group 1 - The U.S. jobs report for November is expected to show a decline of 35,000 jobs added, indicating potential labor market weakening that could influence the Federal Reserve's next rate decision [1][2] - The Bank of Japan is anticipated to raise rates on December 19th, with expectations of at least one additional quarter-point increase to 1% next year, potentially marking the terminal rate for this cycle [3][4] - The European Central Bank (ECB) is likely to keep rates unchanged at 2% during its upcoming meeting, but market expectations for a future rate hike have increased following positive growth and inflation data [6][7] Group 2 - The Bank of England is expected to cut its policy rate to 3.75% from 4.0% in December, with a 90% chance of this outcome according to market pricing [8][9] - European Union leaders are discussing the use of approximately 210 billion euros ($245 billion) of frozen Russian assets to support Ukraine, which could have significant implications for Western investors [10][11][12] Group 3 - For Q4 2025, total S&P 500 earnings are projected to increase by 6.9% year-over-year, driven by a 7.7% rise in revenues, with the Tech sector being a major growth contributor [31][32] - The earnings growth for the 'Magnificent 7' companies is expected to rise by 16.6% from the previous year, while excluding these companies, the rest of the index would see only a 3.4% increase [33]

Gold (GC=F) futures opened at $4,334.30 per troy ounce on Tuesday, nearly even with Monday’s closing price of $4,335.20. The price of gold declined in early trading. The economy and interest-rate outlook continue to be areas of focus for investors. In separate speeches Monday, New York Fed President John Williams and Fed Governor Stephen Miran predicted slower inflation in 2026. Williams was positive about the 2026 outlook and monetary policy heading into the new year, while Miran argued for larger rate ...

Market Outlook - The market is expected to be more choppy with short-term volatility, but overall move higher next year [5] - Evercore projects a 13% upside from Friday's close to a 7750 price target in 2026, expecting more volatility swings [6] - Investors should focus on where the billions of dollars are being spent, rather than playing the interest rate guessing game [3][4] Investment Opportunities - AI infrastructure, aerospace and defense, power solutions for AI, and small-cap biotech M&A in healthcare are key areas of investment [4] - Cooling solutions for data centers are heating up as an investment opportunity [7] - Comfort System (FIX) is highlighted, with the stock up over 142% year-to-date and 82% annualized over the last five years, being added to the S&P 500 on December 22nd [8] AI Infrastructure Play - Multiple beneficiaries exist within the AI ecosystem beyond volatile semiconductors and chips [10] - Companies like Modin Manufacturing, Verdive Solutions, and construction companies like ACOM offer ways to play the AI infrastructure play [10]

Core Insights - U.S. job openings remained stable at 7.67 million in October, showing minimal change from September's 7.66 million, amidst economic uncertainty [1][5] - Layoffs increased to nearly 1.9 million, the highest since January 2023, while the number of people quitting jobs decreased, indicating a shift towards layoffs as businesses manage labor costs [2][4] - Job openings have declined from a peak of 12.1 million in March 2022, influenced by high interest rates implemented by the Federal Reserve to combat inflation [3] Labor Market Dynamics - The Job Openings and Labor Turnover Survey (JOLTS) was delayed due to a federal shutdown, affecting the release of economic statistics [2][5] - The Federal Reserve is meeting to discuss potential interest rate cuts, with inflation remaining above the 2% target, complicating the decision-making process [4] - Forecasts suggest that employers may add fewer than 38,000 jobs in November, with the unemployment rate expected to rise to 4.5% from 4.4% in September, marking the highest rate in nearly four years [7]

It's Rick Santelli. What are the numbers. >> The numbers are our third quarter employment cost index up 8/10en of a percent.That's a smidge lighter than the 9/10 we're expecting. And the last three quarters have been 9/10 from the last quarter 24 the first second quarter this year. And as I said, this is the third quarter.And that would be the lightest going back to wow you have to go back a ways to the second quarter of 2021. It equaled it equal where we were in the third quarter of last year. So it has be ...