High-yield savings accounts have historically offered savers two primary benefits – an elevated rate of return on their money and the flexibility to bank as they would with a traditional account.  Unlike a traditional account, with a rate comfortably under 1%, high-yield savings account rates were much higher, particularly during the high inflation/high interest rate period of recent years. At the same time, unlike a certificate of deposit (CD) account , savers could maintain access to their

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