The Fed Lowered Rates—But These Top Savings Accounts Still Offer Surprising Yields

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But that’s in part because the move was anticipated for weeks, and many banks and credit unions had already priced in the expected rate move. How Long Can Today’s Savings Yields Last? Forecasts that far into the future aren’t especially reliable, but they do signal that deposit rates on savings, money market, and CD accounts may gradually drift lower in the coming years. How We Find the Best Savings and CD RatesEvery business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs and savings accounts to customers nationwide and determines daily rankings of the top-paying accounts. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), and the account's minimum initial deposit must not exceed $25,000.