币界网报道：High-yield savings accounts are now offering over 4.00% APY, while certificates of deposit (CDs) have reached up to 4.50%, as financial institutions compete to attract customers in a rising interest rate environment. Banks and online platforms are increasingly promoting these products to savers looking for better returns amid inflation concerns. Analysts note that these rates mark a significant uptick compared to previous years, reflecting broader monetary policy shifts. However, experts caution investors to carefully review terms, as some high-yield accounts may have balance requirements or withdrawal restrictions. The trend highlights growing opportunities for passive income seekers in traditional finance instruments.