At MoneyRates, we rate a range of banking products, including savings, checking, CD, money market, investment, retirement accounts, and loans. For each account we evaluate, we assign a star rating ranging from 1 (poor) to 5 (perfect) based on a set of key factors. These factors include interest rates, fees, accessibility, customer service, user experience, money management tools, and technology. By considering all these factors, we aim to provide consumers with a clear and accurate picture of the products they are considering, allowing them to make informed decisions about their finances. Our reviews are unbiased and thorough, focusing on consumer needs. For details, see our , Among 370 savings accounts from 157 banks and credit unions, we found the Synchrony High-Yield Savings account to be the best high-yield savings account. An impressive annual percentage yield (APY , For now, high-yield savings accounts (HYSAs) are still delivering solid returns, with top APYs ranging from 4.50% to 5.00% -- far above what most traditional banks are offering. Interest rates .