$50,000 high-yield savings account at 4.35% after six months: $1,075.92 Difference between accounts: The money market account makes $12.24 more. $50,000 high-yield savings account at 4.35% after nine months: $1,622.54 Difference between accounts: The money market account makes $18.55 more.

Savings yields can fluctuate regularly, but they are most likely to significantly change when the Federal Reserve announces a cut or increase of its benchmark rate. Today's High-Yield Savings Rates for August 13, 2025: Up to 4.60%

Savings account yields are much higher than a few years ago Top rates may fall if the Federal Reserve cuts interest rates Online banks tend to offer the best yields available Rates on savings accounts are the same compared to one week ago.