Most everywhere you look on Wall Street, interest rates are going up. For everyday savers: not so much.

The two-year U.S. Treasury yield had its biggest one-day jump in more than a decade last week, reaching as high as 1.64%, a level unseen since late 2019 and up from 0.44% at the end of November. The U.S. 10-year yield — a global borrowing benchmark — topped 2% for the first time since August 2019.

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