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Where to get the best returns on your savings when rates are high | CNN Business

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The average bank savings rate as of April 26 was a paltry 0.24%, according to Bankrate. But thanks to the Federal Reserve’s rate-hiking campaign since mid-March of last year and competition for your money, you have many more lucrative options.

The average bank savings rate as of April 26 was a paltry 0.24%, according to Bankrate. At some of the biggest banks, savings rates are as low as 0.01%. But thanks to the Federal Reserve’s rate-hiking campaign since mid-March of last year and competition for your money, you have many more lucrative options. Here are a few low-risk ways to make between 4% and 5% on your savings now.

They offer one-stop shopping to compare and contrast a broad universe of bank CDs at all maturity ranges. Buying brokered CDs also means you don’t have to set up new, individual accounts at different banks, but the CDs will still be FDIC-insured, assuming the banks sponsoring them are. And if you need access to your money early, you can sell it on the secondary market through the brokerage, although as with selling any investment there is no guarantee you will get back what you paid for it.

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