Substantial interest earnings on a $100,000 high-yield savings account can potentially pile up quickly. Getty Images/iStockphoto

If you find yourself looking for a safe place for a large portion of your money in the final weeks of 2025, it's easy to understand why. Recent developments have left many Americans contemplating new homes for their money. With the unemployment rate rising to its highest level in four years in the most recent report released and inflation rising, savers will want to go into 2026 knowing that they are doing their best to keep their money protected. At the same time, with the interest rate environment still elevated, it makes sense for these savers to take advantage as best they can.

Fortunately, a high-yield savings account offers both capabilities

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