高收益储蓄账户在2024年的回报率要好得多,一些APY的收益率超过4%。 High-yield savings accounts offered much better returns in 2024, with some APYs over 4%.

由于利率高,2024年的储蓄率仍然强劲,特别是高收益储蓄账户的储蓄率超过4%的APY,而平均储蓄率为0.47%。 Savings rates remained strong in 2024 due to high interest rates, especially for high-yield savings accounts offering over 4% APY, compared to the average 0.47%. 尽管美联储在下半年削减了利率,但金融分析家预测2025年将逐步降低利率,因此高收益账户仍能提供更好的回报。 Despite the Federal Reserve's rate cuts in the second half of the year, financial analysts predict gradual rate reductions in 2025, so high-yield accounts still offer better returns. 确保您的账户为FDIC保险 以保护您的储蓄。 Ensure your account is FDIC-insured to protect your savings.