{"id":47083,"date":"2025-09-11T21:15:26","date_gmt":"2025-09-11T21:15:26","guid":{"rendered":"https:\/\/site.itshrt.com\/worldnews\/how-much-can-a-10000-traditional-savings-account-earn-now-and-is-it-worth-opening\/"},"modified":"2025-09-11T21:15:26","modified_gmt":"2025-09-11T21:15:26","slug":"how-much-can-a-10000-traditional-savings-account-earn-now-and-is-it-worth-opening","status":"publish","type":"post","link":"https:\/\/site.itshrt.com\/worldnews\/how-much-can-a-10000-traditional-savings-account-earn-now-and-is-it-worth-opening\/","title":{"rendered":"How much can a $10,000 traditional savings account earn now (and is it worth opening)?"},"content":{"rendered":"<p> <script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<\/p>\n<div id=\"\">\n<figure class=\"embed embed--type-image is-image embed--float-none embed--size-medium\">\n<p>      <span class=\"img embed__content\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/09\/11\/e2607250-fbb3-4780-8972-ffe8a16be314\/thumbnail\/620x413\/d70e9f4a081c1831af74f5db81c31fe8\/gettyimages-2169104830.jpg#\" alt=\"gettyimages-2169104830.jpg \" height=\"413\" width=\"620\" class=\" lazyload\" srcset=\"https:\/\/assets1.cbsnewsstatic.com\/hub\/i\/r\/2025\/09\/11\/e2607250-fbb3-4780-8972-ffe8a16be314\/thumbnail\/620x413\/d70e9f4a081c1831af74f5db81c31fe8\/gettyimages-2169104830.jpg 1x, https:\/\/assets3.cbsnewsstatic.com\/hub\/i\/r\/2025\/09\/11\/e2607250-fbb3-4780-8972-ffe8a16be314\/thumbnail\/1240x826\/276676aa24334b584c7fa650e9bd5ef9\/gettyimages-2169104830.jpg 2x\" loading=\"lazy\"\/><\/span><figcaption class=\"embed__caption-container\">\n<p>                  <span class=\"embed__caption\">Savers should carefully calculate their interest-earning potential before depositing $10,000 into a traditional savings account now.<\/span><\/p>\n<p>                  <span class=\"embed__credit\"><\/p>\n<p>                Gabe Ginsberg\/Getty Images<\/p>\n<p>                          <\/span><br \/>\n              <\/figcaption><\/figure>\n<p>While it may be tempting to take a large, five-figure amount such as $10,000 and put it into stocks, bonds or <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/rental-property-investment-real-estate\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">real estate<\/a><\/span>, the reality is that the economy is hard to predict right now.\u00a0<\/p>\n<p>Placing it into any of those investments comes with risks many would understandably prefer to avoid worrying about. That was emphasized Thursday morning when the <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/cpi-report-today-august-2025-tariffs-inflation\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">latest inflation reading<\/a><\/span> showed it ticking up again in August, now to 2.9%. That&#8217;s almost a full percentage point where the Federal Reserve wants it, adding a layer of uncertainty to monetary policy and, thus, the interest rate climate overall.<\/p>\n<p>In this atmosphere, many savers may feel most comfortable by just putting their $10,000 into a traditional savings account, kept to the side for emergencies and unexpected expenses. Before they do, however, they should calculate the interest-earning potential they can secure with such an account.\u00a0<\/p>\n<p>The interest rate climate, after all, remains elevated, offering savers an opportunity that may not last much longer. So, how much can a $10,000 traditional savings account earn now? And, with multiple high-rate alternatives, is it worth opening? Below, we&#8217;ll examine the answers to both of these critical questions.<\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/landing\/cbsnews\/best-savings-options\/?sub-id=www.cbsnews.com\/news\/how-much-can-a-10000-traditional-savings-account-earn-now-and-is-it-worth-opening\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">Start by seeing how much you could be earning with a top high-yield savings account here<\/a>.<\/p>\n<h2><strong>How much can a $10,000 traditional savings account earn now?<\/strong><\/h2>\n<p>Whether you currently have your money in a traditional savings account or are considering making a five-figure deposit into one now, it&#8217;s important to first understand the interest-earning potential. But with a traditional savings account, which is accompanied by an average rate of just 0.39%, according to the <a href=\"https:\/\/www.fdic.gov\/national-rates-and-rate-caps\" target=\"_blank\" rel=\"nofollow noopener\">FDIC<\/a>, there won&#8217;t be much interest to earn. And, since that\u00a0<span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/fixed-vs-variable-interest-rate-which-is-better-for-your-savings-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">rate is variable<\/a><\/span> and likely to decline alongside predicted rate cuts, the interest-earning capability can diminish further.\u00a0<\/p>\n<p>Here, then, is what a $10,000 traditional savings account can earn now, assuming today&#8217;s rate remains the same for an extended period:<\/p>\n<ul>\n<li><strong>$10,000 traditional savings account at 0.39% after three months:<\/strong> $9.74<\/li>\n<li><strong>$10,000 traditional savings account at 0.39% after six months:<\/strong> $19.48<\/li>\n<li><strong>$10,000 traditional savings account at 0.39% after nine months:<\/strong> $29.24<\/li>\n<li><strong>$10,000 traditional savings account at 0.39% after one year:<\/strong> $39.00<\/li>\n<\/ul>\n<p>So, not only are returns here less than $40.00 in one year, but those returns aren&#8217;t reliable as rates can and likely will adjust downward, especially over an elongated period. And, with the inflation rate close to 3% now, you&#8217;re not even keeping pace and are essentially <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/ways-youre-losing-money-and-how-to-fix-it-now\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">losing money<\/a><\/span>, no matter the deposit amount, by maintaining it in a traditional savings account.<\/p>\n<p><a href=\"https:\/\/www.bankrate.com\/landing\/cbsnews\/best-cd-options\/?sub-id=www.cbsnews.com\/news\/how-much-can-a-10000-traditional-savings-account-earn-now-and-is-it-worth-opening\" target=\"_blank\" rel=\"nofollow, sponsored, noopener\">See how much more you could be earning with a top CD account instead now<\/a>.<\/p>\n<h2><strong>What about CDs and high-yield savings accounts?<\/strong><\/h2>\n<p>Instead, it&#8217;s much more beneficial to deposit <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/10000-cd-vs-10000-high-yield-savings-account-which-earns-more-interest-june-2025\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">$10,000 into a certificate of deposit (CD) or a high-yield savings account<\/a><\/span>\u00a0now. You&#8217;ll earn hundreds of dollars more with either option currently. And, with a CD in particular, those returns will be predictable and safe, thanks to the account&#8217;s fixed interest rate.\u00a0<\/p>\n<p>Still, these accounts won&#8217;t be immune to any Fed rate-cutting action, so it makes sense to act quickly. And, if you can afford to part with your money for the full <span class=\"link\"><a href=\"https:\/\/www.cbsnews.com\/news\/cd-terms-everything-to-know\/\" target=\"_blank\" data-invalid-url-rewritten-http=\"\">term<\/a><\/span>, a CD could offer considerable interest-earning opportunities right now.<\/p>\n<h2><strong>The bottom line<\/strong><\/h2>\n<p>A traditional savings account, even with a robust initial deposit of $10,000, comes with minimal interest-earning potential for savers now. And with rate cuts on the horizon, this account type should generally be avoided. Fortunately, there are still high-rate alternatives like CDs and high-yield savings accounts to explore. That said, a cooling rate climate will cool the potential rates on all savings vehicles, even if it doesn&#8217;t do so equally. So, if you&#8217;re looking for a place to park $10,000 right now, it makes sense to shop around for high-rate accounts while you can still locate them.<\/p>\n<p>    <!-- tags --><\/p>\n<div class=\"content-author\">\n      <a href=\"https:\/\/www.cbsnews.com\/team\/matt-richardson\/\" class=\"content-author__name\" data-invalid-url-rewritten-http=\"\">Matt  Richardson<\/a><\/p>\n<div class=\"content-author__bio\">\n<div class=\"content-author__full-information\">\n<p class=\"content-author__text\">Matt Richardson is the senior managing editor for the Managing Your Money section for CBSNews.com. He writes and edits content about personal finance ranging from savings to investing to insurance.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-6606220950177433\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- ItShrt World News -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-6606220950177433\"\r\n     data-ad-slot=\"1882483372\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script>\r\n<br \/>\n<br \/><a href=\"https:\/\/www.cbsnews.com\/news\/how-much-can-10000-traditional-savings-account-earn-september-2025-is-it-worth-opening\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Savers should carefully calculate their interest-earning potential before depositing $10,000 into a traditional savings account now. Gabe Ginsberg\/Getty Images While<\/p>\n","protected":false},"author":1,"featured_media":47084,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[],"class_list":["post-47083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How much can a $10,000 traditional savings account earn now (and is it worth opening)? - World News<\/title>\n<meta name=\"description\" content=\"While it may be easy to deposit $10,000 into a traditional savings account, alternatives could be more lucrative.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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