21 savings accounts with interest rates of 4% APY and higher (updated weekly)

Finding savings accounts with interest rates of 4% APY (Annual Percentage Yield) or higher can be quite challenging, as such high rates are relatively rare, especially in a low-interest-rate environment. However, there are a few strategies you can use to find and track these accounts:

1. **Online Banks**: Online banks often offer higher interest rates compared to traditional brick-and-mortar banks because they have lower overhead costs.

2. **Credit Unions**: Credit unions sometimes offer competitive interest rates and may have special promotions or higher rates for members.

3. **Promotional Offers**: Some banks and credit unions offer promotional rates for new customers. These rates may be higher than their standard rates but are often time-limited.

4. **High-Yield Savings Accounts**: Look for high-yield savings accounts, which are designed to offer higher interest rates compared to standard savings accounts.

5. **Certificates of Deposit (CDs)**: CDs often offer higher interest rates than savings accounts, especially for longer terms. However, your money is locked in for the term of the CD.

6. **Money Market Accounts**: These accounts can sometimes offer competitive interest rates, especially if you meet certain balance requirements.

### Websites to Track High-Yield Savings Accounts

1. **Bankrate**: Provides up-to-date information on the best savings account rates.
2. **NerdWallet**: Offers comparisons of savings accounts and CDs with high interest rates.
3. **DepositAccounts**: A comprehensive database of bank and credit union rates.
4. **MagnifyMoney**: Provides reviews and comparisons of high-yield savings accounts.
5. **ValuePenguin**: Offers detailed comparisons and reviews of savings accounts.

### Steps to Find High-Yield Savings Accounts

1. **Visit Comparison Websites**: Use the websites mentioned above to compare current interest rates.
2. **Check Bank Websites**: Visit the websites of online banks and credit unions directly to see their current rates.
3. **Read Reviews**: Look for reviews and customer feedback to ensure the bank is reputable.
4. **Consider Fees**: High interest rates are great, but make sure to consider any associated fees, such as maintenance fees or minimum balance requirements.
5. **Promotional Offers**: Keep an eye out for promotional offers that might provide higher rates for a limited time.

### Example of High-Yield Savings Accounts (as of the latest data, but rates change frequently):

1. **Ally Bank**: Often offers competitive rates on high-yield savings accounts.
2. **Marcus by Goldman Sachs**: Known for high-yield savings accounts with no fees.
3. **Discover Bank**: Provides high-yield savings accounts with no monthly fees.
4. **Synchrony Bank**: Offers high-yield savings accounts with competitive rates.
5. **CIT Bank**: Known for high-yield savings accounts and CDs.

### Tips for Maximizing Your Savings

1. **Automate Savings**: Set up automatic transfers to your savings account to ensure consistent savings.
2. **Regularly Review Rates**: Interest rates can change, so regularly review your account to ensure you're getting the best rate.
3. **Diversify**: Consider spreading your savings across multiple accounts to take advantage of different promotional rates or features.

By staying informed and regularly checking for the best rates, you can maximize your savings and take advantage of high-yield opportunities.