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Latest reporting and analysis tagged with interest rates.
Several banks and credit unions are currently offering high-yield savings accounts with APYs of 4% or more, providing savers with alternatives to the national average rate of 0.39%.
Gold futures opened at $4,610 per troy ounce on Tuesday, down 0.1% from Monday's close. The price reached an all-time high of $4,620 yesterday. Federal Reserve Chair Jerome Powell commented on an ongoing investigation by the Trump administration, stating it continues attempts to manipulate interest rates.
Certificate of deposit rates are falling from recent peaks but still offer returns above 4% in some cases, with Marcus by Goldman Sachs providing a leading 1-year CD at 4% APY as of January 13, 2026.
Mortgage rates have declined after President Trump's plan to ease home affordability. Zillow reports a 30-year average of 5.86%, down 19 basis points, with a Yahoo Finance survey noting lenders offering rates near or below 5.5%.
Money market account rates are historically high, with top accounts offering over 4% APY, though rates have trended downward following Federal Reserve cuts in late 2024 and 2025.
High-yield savings account rates have fallen, but some accounts still offer over 4% APY. The average rate is 0.39%, with SoFi, Valley Bank Direct, and Barclays providing the highest rates as of January 13, 2026.
Money market account rates are falling after recent Federal Reserve rate cuts, with top rates still above 4% APY. Savers are considering these accounts for liquidity and safety.
Mortgage rates have increased from recent lows but remain below 6%, with the average 30-year fixed rate at 5.93% and the 15-year fixed at 5.40%, according to Zillow data.
Certificate of deposit rates are falling as the Federal Reserve reduces interest rates, though some CDs still offer over 4% APY. Historical trends show rates dropped after crises but rose with inflation, now declining from recent peaks.