Here’s how much Americans living in these states will get back from the IRS on average.
Every April, millions of Americans prepare their tax returns and anticipate potential refunds. For many, the federal tax refund represents an important financial boost — one that can help cover expenses, reduce debt, or increase savings. Using the latest data from the Internal Revenue Service (IRS), we explore how refund amounts vary across income levels and the U.S. The following is a…
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Want an easy way to grow your savings? Currently, top CDs offer rates between 4.50% and 4.65%. Short-term CDs, maturing in a year or less, offer the best yields.
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes.
Although the Fed’s rates are steady right now, they might drop later this year. Locking in these attractive rates before that happens could be a good idea.
Explore some top CD rate options available today.
| Bank | APY | Term | Minimum Deposit |
|---|---|---|---|
| OMB | 4.65% | 7 Months | $1,000 |
| United Fidelity Bank | 4.60% | 10 Months | $1,000 |
| Brilliant Bank | 4.55% | 9 Months | $1,000 |
| Marcus by Goldman Sachs | 4.50% | 14 Months | $500 |
| LendingClub | 4.00% | 10 Months | $500 |
While the CDs above offer some of the most competitive rates available today, they’re not the only strong options worth considering. Discover offers a solid alternative, with CDs that are budget friendly, easy to open, and are available in a huge variety of terms. If you value a smooth online experience and the recognition of a trusted digital bank, they’re worth a look. Explore Discover® Bank rates here.
Want to find the best CD for your timeline and goals? Explore top rates by term:
Though CD rates have dipped since mid-2024, they remain high. The Federal Reserve hasn’t changed rates yet in 2025, but experts expect possible cuts later in the year. Now’s a great time to grab a CD before rates decrease.
Consider CDs if you want to:
CDs pose minimal risk, perfect for cautious savers. Stocks might offer more gains, but carry more risk. CDs provide a secure alternative for steady growth.
Opening a CD is quick and simple. Just follow these steps:
Remember, each CD allows only one deposit. Plan your amount wisely. When you’re ready, click here to explore the best CD rates and open a high-yield CD today.
Once you’ve opened your CD, keep an eye on its maturity date. When a CD matures, the bank will typically do one of two things unless you say otherwise:
Most banks give you a grace period of seven to 10 days after the CD’s maturity date to make a decision.
For a high APY with added flexibility, consider a high-yield savings account. These accounts let you:
While savings rates can change, high-yield savings accounts currently offer APYs close to top CDs. They provide great returns without the long-term commitment, making either one a good choice now, depending on your savings goals.
If you want to earn a competitive APY without losing access to your cash for a minimum of several months, check out our list of the best high-yield savings accounts.
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes.
We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. James McClenathen has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Goldman Sachs Group. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.
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A high-yield savings account is a great spot to grow your money while keeping it within reach. The highest APYs today range from 4.50% to 5.00%, more than 10 times above the national average.
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes.
We’ve scoured the top banks to find the best rates for you. With these accounts, your money can grow faster than ever.
Check out our list below for the top APYs available today.
| Bank Account | APY | Minimum Account Balance |
|---|---|---|
| Varo Savings | up to 5.00% | Max APY on up to $5,000, 2.50% APY after |
| Axos ONE® | up to 4.66% | $1,500 |
| Pibank Savings | 4.60% | $0 |
| TIMBR High Yield Savings | 4.55% | $1,000 |
| Peak Bank Envision High Yield Savings | up to 4.54% | $100 to open, 2.02% APY on balances of $10,000,000 and above |
| BrioDirect High-Yield Savings | 4.50% | $5,000 to open, $25 to maintain |
If you’re not earning more than 4.00% APY on your savings, it might be time to switch. Rates have been most flat since the end of 2024, but several online banks are leading the pack without requiring huge balances. We like LendingClub LevelUp Savings account because it pays a competitive APY in exchange for a fairly low amount in monthly deposits. Pro tip: Be careful with teaser rates that drop after a few months. Always check the fine print. Read our full LendingClub LevelUp Savings review to learn more.
High-yield savings accounts combine flexibility with competitive interest. If you value easy access to your funds and no long-term commitment, an HYSA may be the perfect fit.
Explore more options:
Have extra cash in a low-interest account? It’s time to make your money work harder. Right now, high-yield savings accounts are offering great rates on the back of the Federal Reserve holding rates steady.
Think about opening one if you:
These accounts let your money grow while staying accessible. They’re perfect for emergency funds, planned expenses, or short-term goals you aim to achieve soon. Don’t miss the chance to boost your savings. Click here to compare the best high-yield savings accounts and open one today.
Getting started with a high-yield savings account is easy and usually takes just a few minutes:
Some high-yield accounts offer the best rates with no strings attached — no recurring deposit requirements, no minimum balance to earn interest, and no monthly fees. If you’re looking for a hassle-free option, learn more about the American Express® High Yield Savings (Member FDIC), which offers a competitive APY with no minimum deposit.
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes.
We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Charles Schwab is an advertising partner of Motley Fool Money. Discover Financial Services is an advertising partner of Motley Fool Money. SLM is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Ally is an advertising partner of Motley Fool Money. HSBC Holdings is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. Bank of America is an advertising partner of Motley Fool Money. Wells Fargo is an advertising partner of Motley Fool Money. Citigroup is an advertising partner of Motley Fool Money. Synchrony Financial is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends Axos Financial, Bank of America, Goldman Sachs Group, JPMorgan Chase, PNC Financial Services, and U.S. Bancorp. The Motley Fool recommends Barclays Plc, Charles Schwab, Discover Financial Services, and HSBC Holdings and recommends the following options: short June 2025 $85 calls on Charles Schwab. The Motley Fool has a disclosure policy.
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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. With inflation climbing and the economy on shaky ground, staying financially focused is tougher — and more critical — than ever. The surprising part? Your sense of smell might help. Scents like mint, lavender…
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Pennies are disappearing — but smart money habits still start small. These moves can help you stretch every cent.
Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. The U.S. has officially stopped minting new pennies — ending a long-running debate about the cost of keeping them in circulation. But just because the penny’s going away doesn’t mean your small money decisions don’t…
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