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Earn up to 5.00% APY on the best high-yield savings account on Aug. 28, 2025
Glen is an editor on the Fortune personal finance team covering housing, mortgages, and credit. He’s been immersed in the world of personal finance since 2019, holding editor and writer roles at USA TODAY Blueprint, Forbes Advisor, and LendingTree before he joined Fortune. Glen loves getting a chance to dig into complicated topics and break them down into manageable pieces of information that folks can easily digest and use in their daily lives.
High-yield savings accounts are still must-have for savvy savers, as they offer annual percentage yields (APYs) that far surpass the average. Right now, a few of the best savings accounts offer rates above 4%, with a handful still approaching the coveted 5.00% mark.
Best money market account rates today, August 29, 2025 (up to 4.41% APY return)
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Find out which banks are offering the best MMA rates right now. The Federal Reserve cut the federal funds rate three times in 2024 for a total reduction of one percentage point. As a result, deposit interest rates — including money market account rates — have been falling.
It’s more important than ever to compare MMA rates and ensure you earn as much as possible on your balance.
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How to Lock In Today's High Rates Before They Disappear
It feels like déjà vu. Every time rates finally climb high enough to make saving money exciting, they don't stick around for long. And with the Fed hinting at cuts in September, today's "too good to last" deals on CDs, savings accounts, and annuities could be the highest you'll see for a while.
Looking for a secure place to grow your savings? See our expert picks for the best FDIC-insured high-yield savings accounts available today – enjoy peace of mind with competitive rates.
Here's the truth: The people who move quickly when rates peak are the ones who come out ahead. Waiting until after the Fed cuts is like showing up at the store the day after a sale.
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