While recent Federal Reserve rate cuts have led to assumptions of lower interest rates, savers can still find competitive returns, particularly with money market accounts (MMAs). A rate of around 4% is considered good for MMAs in early 2026, though such rates are less common and often found at online banks due to lower overhead costs. High-yield savings accounts can be viable alternatives, offering similar rates, but may lack some features of MMAs. It’s advisable to act quickly to secure these rates, as they are variable and subject to change.
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