{"id":23079,"date":"2026-01-27T23:49:03","date_gmt":"2026-01-27T23:49:03","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23079"},"modified":"2026-01-27T23:49:04","modified_gmt":"2026-01-27T23:49:04","slug":"7-low-risk-ways-to-earn-more-interest-on-your-money","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23079","title":{"rendered":"7 Low-Risk Ways To Earn More Interest On Your Money"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<p>A smart personal finance strategy often involves earning some interest on your money while not taking on too much risk. These days, high-yield savings accounts are one viable option, with top rates reaching over 4% APY \u2014 significantly outpacing the current inflation rate of 2.7%.<\/p>\n<p>In addition to savings accounts, there are plenty of other relatively safe ways to get a return on your funds, whether it\u2019s through other interest-earning accounts, rewards, bonuses or stable investments.<\/p>\n<p>In all, we rounded up seven low-risk strategies to consider in 2026 to make your money work harder for you.<\/p>\n<h2 data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"1. Switch to a high-interest savings account\" data-outcome=\"\">1. Switch to a high-interest savings account<\/h2>\n<p>Some banks offer high-interest savings accounts that earn significantly better rates than traditional accounts.<\/p>\n<p>One of the best places to look for high-interest savings accounts is an online-only bank. Online banks save significant costs by not having to maintain branches, and pass those savings along by rarely charging monthly fees. They also typically offer rates that are much higher than those paid by traditional banks.<\/p>\n<div class=\"MarketMavenQuote\">\n<div class=\"\">\n<div>\n<blockquote><p>\n                When searching for a high-yield savings account, don\u2019t just focus on the headline rate. You\u2019ll also want to look at any minimum balance requirements, monthly maintenance fees and how often the bank adjusts its rates in response to Federal Reserve moves.<\/p>\n<p class=\"mb-0\">\n                        <cite>\u2014 Hanna Horvath, CFP &amp;amp; Banking Editor at Bankrate<\/cite>\n                    <\/p>\n<\/blockquote><\/div>\n<\/p><\/div>\n<\/div>\n<p>The best high-yield savings accounts currently earn an annual percentage yield (APY) of up to 4.20%. This is around seven to seven times the Bankrate national average rate of 0.61% as of January 2026.<\/p>\n<p>Based on these rates, if you deposited $5,000 into one account that earns the top yield and another that earns the national average, here\u2019s approximately what it would earn in interest after one year:<\/p>\n<ul class=\"wp-block-list\">\n<li>Interest on an account that earns 4.20% APY: $210<\/li>\n<li>Interest on an account that earns 0.61% APY: $30.50<\/li>\n<\/ul>\n<p>You\u2019d earn around $180 more by going with the high-yield savings account.<\/p>\n<p>Bankrate\u2019s compound interest calculator allows you to plug your investment amount, timeframe and projected rate of return to see how much your savings can earn.<\/p>\n<h2 data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"2. Consider a rewards checking account\" data-outcome=\"\">2. Consider a rewards checking account<\/h2>\n<p>Some banks offer rewards checking accounts, which may earn cash back on things you buy with your debit card. Those who make frequent purchases using a debit card would benefit the most from this type of checking account.<\/p>\n<p>Other rewards checking accounts pay higher interest rates, although the balance that earns the elevated rate is often limited. You may also need to jump through some hoops to earn the bonus rate.<\/p>\n<p>For example, Consumers Credit Union (CCU) offers interest rates as high as 5% APY on balances of up to $10,000 for its Rewards Checking account. However, to earn that yield, you\u2019ll need to meet all the following requirements:<\/p>\n<ul class=\"wp-block-list\">\n<li>Sign up for electronic statements.<\/li>\n<li>Make at least 12 debit or credit card purchases per month.<\/li>\n<li>Receive $500 or more in direct deposits, mobile check deposits or ACH credits to the account monthly.<\/li>\n<li>Spend more than $1,000 on a CCU credit card monthly.<\/li>\n<\/ul>\n<p>If you choose to use a rewards checking account, make sure that the requirements to earn the elevated interest rate are easy for you to meet. Otherwise, you might earn less interest than you would with a standard savings account.<\/p>\n<h2 data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"3. Consider certificates of deposit\" data-outcome=\"\">3. Consider certificates of deposit<\/h2>\n<p>Certificates of deposit (CDs) typically offer higher interest rates than traditional savings accounts. However, there\u2019s less flexibility to withdraw your money from a CD.<\/p>\n<p>When you put funds into a CD, you have to agree to leave the money in the account for a set period of time, called the term. For example, if you open a one-year CD, you have to leave the money in the account for a full year. If you withdraw your deposit before the term expires, you are subject to an early withdrawal penalty.<\/p>\n<p>As of January 2026, the top CD rates reach up to 4.20% APY, depending on the term length.<\/p>\n<p>One benefit of CDs is that you lock in the interest rate when you open the CD. Even if market rates drop, you\u2019ll keep earning the same rate. On the other hand, if rates rise, you\u2019ll be stuck earning the lower rate until the CD matures.<\/p>\n<p>Once the CD term ends, you can withdraw your money or roll it into a new CD. If you roll the balance into a new CD, you have to wait for that CD to mature before having another opportunity to make a penalty-free withdrawal.<\/p>\n<p>When considering CDs, one option to explore is a CD ladder. This consists of opening several CDs with different maturity dates. The benefit is that you can earn high rates and also have access to portions of your money at frequent intervals.<\/p>\n<p>Bankrate\u2019s CD ladder calculator can help you build a CD ladder that\u2019s right for you.<\/p>\n<h2 data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"4. Take advantage of bank bonuses\" data-outcome=\"\">4. Take advantage of bank bonuses<\/h2>\n<p>Many banks offer introductory bonuses to new customers who sign up for an account and meet a few requirements. Usually, checking account bonuses require you to set up regular direct deposits and make a minimum number of transactions each statement period.<\/p>\n<p>For people with some savings already set aside, bank account bonuses can be an easy way to increase their earnings. These bonuses typically ask new customers to deposit a minimum amount into the account and keep it there for a certain period of time. In short, you could boost your savings balance by opening a new account and funding it with savings held at another bank.<\/p>\n<p>For example, you might see a bonus offering $300 if you deposit $10,000 and maintain that balance in the account for at least three months. Earning such a bonus would be equivalent to earning a 3% APY in a savings account for a year, assuming the APY didn\u2019t fluctuate, and you didn\u2019t add money to the account or withdraw from it.<\/p>\n<p>Even larger bonuses of $400 and $500 are available from some banks, although higher minimum deposits are usually required to earn them.<\/p>\n<p>Be sure to read all the fine print. Some banks will charge a fee if you don\u2019t meet certain requirements or try to close the account too quickly after opening it. Some banks might even make you forfeit the reward if you close the account soon after getting the bonus.<\/p>\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"5. Try a money market account\" data-outcome=\"\">5. Try a money market account<\/h2>\n<p>Money market accounts offer a mixture of the features found in savings and checking accounts. They pay interest, sometimes at higher rates than high-yield savings accounts, while commonly offering check-writing privileges and debit cards that you can use to make withdrawals, with some restrictions.<\/p>\n<p>Currently, the top money market account rates reach up to 4.10% APY, while the national average is just 0.43%. Like high-yield savings accounts, the best rates are often found at online banks.<\/p>\n<p>The drawback of money market accounts is that they may have higher fees and minimum balance requirements than savings accounts. There\u2019s also no guarantee that your bank\u2019s money market account pays a better rate than its savings account.<\/p>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"6. Check with your local credit union\" data-outcome=\"\">6. Check with your local credit union<\/h2>\n<p>Unlike banks, credit unions are not-for-profit financial institutions owned by the people who hold accounts there. This means credit unions work for the benefit of account holders instead of shareholders.<\/p>\n<p>In some cases, that can translate into lower fees, better account perks and higher interest rates. If you have a credit union near you, check the rates it offers, as you might be able to get a good deal.<\/p>\n<p>If you don\u2019t live near any credit unions and tend not to do any of your banking in person, consider a credit union that allows you to perform all of your banking transactions online.<\/p>\n<p>While some credit unions are relatively easy for anyone to join, others are only open to people who live in a certain region or work in a given industry.<\/p>\n<h2 data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"7. Consider buying government bonds\" data-outcome=\"\">7. Consider buying government bonds<\/h2>\n<p>If you don\u2019t mind a little risk or restriction on your withdrawals, you can put your money into bonds instead of a traditional savings account.<\/p>\n<p>Buying a bond is like making a loan to the company or government that issues it. When the bond matures, you get your principal back plus any interest you earn. You can buy U.S. Savings or Treasury bonds, or bonds issued by major companies.<\/p>\n<p>Each has different interest rates and repayment terms, with riskier bonds tending to offer higher rates. Typically, yields are higher on bonds with longer terms and corporate bonds that have higher default risk.<\/p>\n<p>One thing to keep in mind with bonds is that they can drop in value if market rates increase. The price of a bond moves inverse to its interest rate. As a result, if you wind up selling your bond to someone else before it matures, you might have to sell it for less than you paid. Still, bonds are far less risky than stocks, making them a good way to increase the yield your savings earn while taking a little more risk.<\/p>\n<p>Series I savings bonds, or I bonds, are government bonds designed to protect your investment from inflation. The composite rate for I bonds issued from November 2024 through April 2025 is 3.11%, which includes a fixed rate of 1.20% plus an inflation-adjusted rate of 1.90%.<\/p>\n<h2 data-position=\"8\" data-beam-element-viewed=\"\" data-id=\"br-h2-8-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Which option is right for you?\" data-outcome=\"\">Which option is right for you?<\/h2>\n<p>Each of these options has the potential to increase the amount of interest your savings earns. But which interest-bearing option is right for you depends on your needs, risk tolerance and the effort you\u2019re willing to put in. Ask yourself these questions:<\/p>\n<p><strong>Will I possibly need quick access to the money?<\/strong> If you\u2019re working to build up an emergency fund, your best bet is often to stick with a high-yield savings account where you can withdraw the money anytime without a penalty.<\/p>\n<p>Rather, if you\u2019re saving for the planned purchase of a house in several years, a CD that pays a competitive yield can be a good investment. Another option for money not needed in the near term could be higher-yielding bonds, which are likely worth holding onto until after they mature.<\/p>\n<p><strong>How much debt do I have?<\/strong> If you already have an adequate emergency fund, consider focusing on paying down any high-interest debt before devoting additional funds to other investments.<\/p>\n<p><strong>Am I able to make the required commitment?<\/strong> Sometimes, a bit of effort and attention to detail are needed. For instance, bank bonuses can be very lucrative, but they often require you to take multiple steps to earn the bonus.<\/p>\n<h2 data-position=\"9\" data-beam-element-viewed=\"\" data-id=\"br-h2-9-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>Earning interest in a low-risk way is often possible through vehicles such as high-yield savings accounts, money market accounts, CDs, bonds and bank bonuses. With today\u2019s rates ranging from 3% to 4% on many of these options \u2014 well above the current inflation rate \u2014 2026 is an excellent time to make sure your cash is working as hard as possible for you.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"Ztcv4SzjQS\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. 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href=\"https:\/\/www.bankrate.com\/banking\/savings\/low-risk-ways-to-earn-higher-interest\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A smart personal finance strategy often involves earning some interest on your money while not taking on too much risk. These days, high-yield savings accounts are one viable option, with top rates reaching over 4% APY \u2014 significantly outpacing the current inflation rate of 2.7%. In addition to savings accounts, there are plenty of other<\/p>\n","protected":false},"author":1,"featured_media":23080,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23079","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 Low-Risk Ways To Earn More Interest On Your Money | BudgetADirect<\/title>\n<meta name=\"description\" content=\"A smart personal finance strategy often involves earning some interest on your money while not taking on too much risk. 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