High-yield savings account rates decline after Fed cuts
The Federal Reserve cut rates three times in late 2025, causing top high-yield savings account yields to slow down.
A competitive high-yield savings account pays several times the national brick-and-mortar average and tracks close to 3- to 6-month Treasury bill yields.
The rates are influenced by the Federal Reserve and move with other short-term rates in the economy. When the Fed raises its target rates, high-yield savings accounts pay more.