With more than 15 years of experience crafting content about all aspects of personal finance, Michael Benninger knows how to identify smart moves for your money. His work has been published by Intuit, Insider and the Los Angeles Times, and he's been..

If you were looking for a smart place to keep your money in recent years, you had a variety of options to choose from. However, the rate climate started to shift in the final months of 2024 as multiple rate cuts were issued by the Federal Reserve.

Money-market account yields have slid 5 basis points since last year to an average 0.59%, according to the latest government data. But despite that low rate of return, plenty are promising as much as three times that amount, with one listed below offering ...

Note: Annual percentage yields (APYs) shown are as of Nov. 20, 2025. Bankrate’s editorial team validates this information regularly, typically monthly. APYs may have changed since they were last updated and may vary by region for some products.

We may receive commissions from some links to products on this page. Promotions are subject to availability and retailer terms. Against this backdrop, depositing a large five-figure amount of money needs to be done strategically. Don't rush to put $10,000 ...

A high-yield savings account or money market account will offer the best place to keep your emergency fund in easy reach while earning interest. See how you can figure out which one is the best account for your emergency fund, along with what to avoid.