If you're saving money right now, you're in a great spot. Many high-yield savings accounts (HYSAs) are still paying between 4.00% and 5.00% APY -- far better than the tiny returns at most big banks.

Although the average national deposit rate for savings accounts is stuck at just 0.40%, some banks and credit unions are boasting high-yield saving accounts paying far, far more. (You can see some of ...

At the central bank’s final meeting of the year in December, CME Group’s FedWatch tool predicts a 65% chance of another rate cut. If so, that could mean the average national deposit rate for savings ...