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The Fed's Interest Rate Decision Is Good News for Your Savings: Here's Why There's still time to maximize interest earnings on your savings. But don't wait too long.

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Here's why the interest rate on your high-yield savings account goes up and down APYs are variable rates, meaning they fluctuate in accordance with the Fed rate.

The Federal Reserve has begun decreasing rates, but there are still competitive APYs to be had. Check out these accounts to find the best place for your cash.

But regardless of whether high-yield savings account rates drop even further, you'll still earn more in interest than you would with a traditional savings account.