What to look for and where to look—your best bet may even be from a bank you’ve never heard of.
As interest rates rise, savers may be shopping for new bank accounts. PHOTO: Jeff Westbrook for Buy Side from WSJ. STYLING: Miako Katoh for Buy Side from WSJ.If you have extra cash to stash away—either for an emergency or as the beginnings of a nest egg—a high-yield savings account can be a great option, providing an effortless way to build your savings, with essentially no risk.
Choosing the best savings account for your needs involves looking at more than just the advertised rate. You need to consider how you plan to use the account, how you prefer to bank and how much you plan to keep in savings. The upshot, according to Derousseau, is that the term means different things to different banks. You can find accounts labeled “high-yield” offering APYs that differ by a percentage point or more—a big reason it’s important to compare rates.best high-yield savings account
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