High-Yield Savings Account Rates Hold Steady on January 12, 2026

Rates on high-yield savings accounts were unchanged from last week, with the top standard-account yield at 5.84% and national averages around 0.22%, according to Curinos.

Rates on high-yield savings accounts were unchanged from last week, according to data compiled by Curinos. The highest yield on a standard savings account with a $2,500 minimum deposit is 5.84%. National averages for traditional savings accounts remain near 0.22% APY. The Federal Reserve has begun reducing its benchmark federal funds rate as inflation moved closer to the Fed's 2% goal. Key figures today: - Top standard-account yield (with $2,500 minimum) is 5.84%, unchanged from a week ago. - Average APY for traditional savings accounts is 0.22%, unchanged from a week ago. - Best high-yield rate for accounts requiring a $10,000 minimum deposit is 4.40%, about the same as last week. - Best rate for accounts requiring a $25,000 minimum deposit is 3.94%, similar to a week ago. - Curinos calculates averages by focusing on personal savings accounts and excludes relationship-based or specialized accounts. Summary: Today's data show advertised top yields holding near recent levels while national averages remain low. Top rates could fall if the Federal Reserve implements further rate cuts. Future changes will depend on decisions by the Federal Open Market Committee and the timing of its meetings.