High-Yield Savings Account Rates Today: January 6, 2026 — Rates Are Steady

Rates on savings accounts were largely unchanged from a week earlier, with the highest advertised standard-account yield at 5.84% and top high-yield tiers reported at 4.88% (for a $10,000 minimum) and 4.17% (for a $25,000 minimum), according to Curinos data cited by Forbes Advisor.

Rates on savings accounts were largely unchanged from a week earlier, according to a Forbes Advisor report dated January 6, 2026. The article draws on data from Curinos and highlights higher advertised yields compared with a few years ago. It lists top advertised rates for standard and high-yield savings accounts and notes that online banks often offer the best yields. The piece also reports that top rates could fall if the Federal Reserve cuts interest rates. Key data points: - Reported top yield on a standard savings account with a $2,500 minimum: 5.84%, per Curinos as cited by Forbes Advisor. - Reported best rate for high-yield accounts with a $10,000 minimum: 4.88%, per the same data. - Reported best rate for high-yield accounts with a $25,000 minimum: 4.17%, as reported. - Today's average APY for traditional savings accounts is reported as 0.22% (Curinos). - The article states online banks and credit unions typically offer higher yields and that top rates may fall if the Federal Reserve reduces interest rates. - Methodology note: Curinos' averages focus on personal savings accounts and exclude relationship-based accounts and accounts aimed at youths, seniors, or students. Summary: Interest rates on savings accounts were steady week-over-week, with the highest advertised standard account yield reported at 5.84% and high-yield tier examples at 4.88% and 4.17% for the cited minimums. The article frames online banks as common sources of top yields and indicates future movement depends on Federal Reserve actions. Undetermined at this time.