The best high-yield savings accounts include those with low fees, easy access and low minimums in addition to rates that beat the national average.

The best one-year CD rate is 4.40%, offered by CommunityWide Federal Credit Union. This account is the highest-rated on our list, boasting a 4.8-star rating due to its high annual percentage yield ...

See Forbes Advisor's picks for the Best Checking Accounts of 2025. These accounts let you easily manage your finances for free.

Checking accounts are covered by federal insurance, either through the Federal Deposit Insurance Corp. for banks or through the National Credit Union Administration for credit unions.