With the current yield debate, I went back and checked bank savings yields around the world.
Not defi & not tokenized anything.
Just… what your money earns sitting in a traditional bank.
This is what I found.
(Data current as of early 2026.)
🇺🇸 United States
The Fed funds rate sits around 4.25–4.50%.
The average big-bank savings account?
About 0.60%.
That means most Americans are earning less than 1% while banks reinvest deposits at rates north of 4%.
That’s an 85% haircut on your money, quietly, every year.
High yield savings do exist in the US, usually around 3.9–4.2%, but you have to actively seek them out, and they’re almost never offered by the big household name banks.
🇬🇧 United Kingdom
The Bank of England base rate is 3.75%.
Typical easy-access savings accounts pay roughly 1.5–2.5%.
You can find 4–5%+ rates, but usually only if you:
• lock your money up
• use fixed-term accounts
• or meet specific conditions
So yes, better than Europe, but most people are still earning well below base ra
