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Even with rates likely to fall in 2026, a high-yield savings account can still be a smart move for many. Here's why.

The largest banks in the U.S. pay paltry savings rates. Smaller banks generally offer much higher rates with easy-to-open accounts—and are just as safe as big-name banks.

Both CDs and high-yield savings accounts allow you to earn interest, but one may stand out over the other next year.

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