Today’s savings account rates still hover well above the national average. The Federal Reserve cut the federal funds rate three times in 2024 and three times in 2025. This means deposit account rates are also on the 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 in some cases. Not sure where to f ...

Core Insights - The best financial decision for holiday bonuses depends on the interest rates of student loans compared to high-yield savings accounts or CDs [1][4][9] Student Loans - Interest rates for undergraduate student loans taken out between mid-2006 and 2025 range from 2.75% to 6.8%, while rates for graduate students and other borrowers are typically higher [3] - If student loan interest rates exceed 5%, using bonuses to pay down loans is financially beneficial [4] Savings Accounts and CDs - As of December 17, 2025, the top rate for a one-year CD is 4.3%, and the best APY for a high-yield savings account is 5% [3] - High-yield savings accounts offer more flexibility for withdrawals compared to CDs, which require funds to be locked in for a specified term [8] Emergency Funds - Building an emergency fund is crucial, especially for those who lack cash reserves, to avoid reliance on high-interest debt sources [5][9] - Many individuals have struggled to accumulate emergency savings this year, making it important to prioritize this aspect [7] Tax Implications - Interest earned from CDs or high-yield savings accounts is subject to income tax, while paying down student loans does not incur taxes [9] Payment Strategies - Extra payments on student loans can help reduce overall interest and accelerate repayment, but borrowers should ensure payments are applied to the principal balance [10][12] - For borrowers on income-driven repayment plans, unpaid interest can increase the principal balance, extending repayment time and total interest paid [11]

That could be much less depending on your work record and when you claim your benefit; if you don’t wait until your full retirement age of 67, your benefit will be permanently reduced.As of August 2025, the average Social Security retirement benefit for a retired worker was $2,008 per month. That’s just $24,000 a year. (3)So there’s a legitimate reason for working Americans to be concerned. Regardless, even if a solution is found and benefits aren’t slashed, the average Social Security retirement benefit ri ...

Core Insights - The Federal Reserve has cut the federal funds rate three times in both 2024 and 2025, leading to a decline in deposit account rates, making it crucial for savers to seek high-yield savings accounts [1][5] - High-yield savings accounts can offer interest rates as high as 4% APY or more, significantly above the national average [2][3] - The highest savings account rate available as of December 22, 2025, is 4.3% APY from SoFi, with most competitive rates coming from online banks due to lower overhead costs [3][4] Savings Account Rates - The national average savings account rate is currently at 0.39%, while 1-year CDs average 1.63% [5] - Despite recent rate cuts by the Federal Reserve, high-yield savings accounts and CDs are offering some of the highest interest rates seen in over a decade [4][5] Choosing a Savings Account - It is essential for consumers to compare rates and account features from various financial institutions to secure the best deal [6] - Factors to consider include minimum balance requirements, customer service, ATM and branch access, digital banking tools, and the financial stability of the institution [7] - Ensuring that the savings account is insured by the FDIC or NCUA is critical for protecting deposits [7]

Find out how much you could earn with today’s savings rates. Interest rates on savings accounts have been falling, so it’s important to be sure you’re getting the best rate possible when shopping around for a savings account. The following is a breakdown of savings interest rates today and where to find the best offers. Overview of savings interest rates today The national average savings account rate stands at 0.39%, according to the FDIC. This might not seem like much, but consider that three years ag ...

Today’s savings account rates still hover well above the national average. The Federal Reserve cut the federal funds rate three times in 2024 and three times in 2025. This means deposit account rates are also on the 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 in some cases. Not sure where to f ...

根据此前提交的文件，截至7月31日的六个月，该公司营收1.756亿美元，净利润6,070万美元;上年同期 营收1.459亿美元，净利润1.323亿美元。文件显示，截至7月31日的六个月净利润包括1330万美元所得税 准备，而2024年同期则是5.41亿美元的税收优惠;调整后EBITDA同比增长16%。 美股市场当前的IPO窗口很短暂，因为企业希望因美国联邦政府停摆导致上市计划推迟后在2025年的最 后几周抓紧上市。监管机构在11月停摆结束后正在处理积压的IPO申请。 作为智能投顾领域的早期参与者，Wealthfront以其易于使用的自动化投资产品和吸引年轻客户的在线平 台而闻名。公司通过算法为客户提供多元化的投资组合管理服务，降低了传统投资咨询的门槛。除了核 心的投资业务，Wealthfront还提供高收益储蓄账户等类似银行的服务，以增强用户粘性并拓展收入来 源。庞大的资产管理规模是其业务的基石。文件显示，截至7月31日，其平台管理的总资产达到882亿美 元。此次IPO将是对其商业模式、客户增长和市场潜力的重要检验。 美国自动化投资服务公司Wealthfront及其部分股东在首次公开募股(IPO)中筹集4.8 ...

Core Insights - Current savings account rates are significantly above the national average, but are expected to decline due to Federal Reserve rate cuts [1][5] - High-yield savings accounts offer competitive interest rates, with some reaching up to 4% APY or higher [2][3] - Online banks typically provide the best savings rates due to lower overhead costs [3][4] Savings Account Rates - As of December 8, 2025, the highest savings account rate available is 4.3% APY from SoFi [3] - The national average savings account rate is only 0.40%, while 1-year CDs average 1.68% [5] - Despite recent Federal Reserve rate cuts, current rates for high-yield savings accounts are among the highest seen in over a decade [4][5] Choosing a Savings Account - It is crucial to compare rates and account features from various financial institutions to secure the best deal [6] - Factors to consider include minimum balance requirements, customer service, ATM access, and digital banking tools [7] - Ensuring that the savings account is insured by the FDIC or NCUA is essential for protecting deposits [7]

There’s nothing like that feeling of receiving a year-end bonus. For many people, it’s money they weren’t planning on, so there’s a world of possibilities of what they can do with the cash. American firms gave out relatively generous bonuses in 2024, with the average being $2,503, according to Gusto. The amount represented a 2% increase from the average 2023 year-end bonus. Regardless of the amount, a year-end bonus can be a powerful tool to improve your finances. Consider using one of these impactful way ...

Core Insights - The article emphasizes the importance of withdrawing Required Minimum Distributions (RMDs) early to secure higher yields before anticipated Federal Reserve interest rate cuts [1] Group 1: RMD Withdrawal Timing - Individuals subject to RMDs must withdraw by December 31 to avoid IRS penalties, with the option to take the full amount at once or in smaller payments [1] - Delaying RMD withdrawals could result in missing out on current higher yields, particularly with top-paying certificates of deposit (CDs) [1] Group 2: Investment Opportunities - Moving RMD funds to CDs can guarantee returns in the low- to mid-4% range, which is beneficial given the expected interest rate cuts [1] - Early withdrawal allows individuals to lock in better rates before potential decreases, as the Federal Reserve is expected to cut rates on December 10 [1] Group 3: Alternatives to CDs - For those seeking flexibility, high-yield savings accounts currently offer rates in the mid-4% range, with some reaching 5.00% [1] - High-yield money market accounts provide another option, although their returns may be lower than the best savings accounts [1] Group 4: Considerations for Investors - Locking in a CD rate requires committing funds for the full term, with early withdrawal penalties varying by institution [1] - The article advises careful selection of terms and review of penalty rules before locking in rates [1]