– Checking accounts: Checking accounts that pay interest offer the most meager returns, but rates have risen slightly in the past year.

– Savings accounts: Savings account rates have also risen in the past year, and high-yield savings accounts are now paying 5% APY or more.

– Money market accounts: Money market account rates have also risen, and high-yield money market accounts are now paying 5% or more APY.

– Personal loans: Interest rates on personal loans have risen from 9.39% to 11.48% in the past year, and are expected to continue to rise.

– Credit cards: Credit card interest rates have risen from an average of 16.65% to well over 22% in the past year, and are expected to remain high.