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Extra cash? Earn the highest Checking Account rate possible.

Interest rates are the lowest they've been in decades, which means most bank accounts aren't even keeping up with inflation. To help you make the best out of a bad situation, we've built a tool lets you search for the best rates across over 7,000 depository institutions, at once.

Non-profit credit unions have the highest interest rates around - you can expect to earn twice the interest on a 5 year CD at a top credit union, in comparison to a national bank like Citi or Chase. We'll figure out exactly which regional banks and credit unions you can join, based on your zip code.

Tell us a few things about yourself
1. Investment Size?
Larger deposits tend to earn higher rates
2. Zip Code?
We'll include local banks and credit unions, and calculate your marginal tax rate more accurately

3. Include Credit Unions?
Credit Unions offer better rates, but you may have to pick up the phone to join

3. Show credit unions?

The best Credit Unions offer MUCH better deposit rates than banks. However, you may have to pick up the phone, or fax in a form to join.

There are over 6,000 credit unions out there, each with its own eligibility criteria. Don't worry - we've sorted through them all and figured out which ones you're eligible to join.

How are you determining my credit union eligibility?

Our nerds have dug up dozens of credit unions that you can join, regardless of where you live. Some have open membership, while others require you to donate $20 or less to join certain organizations, such as a local historic society, or a charity.

To widen the search even more, enter your zip code, and we'll also match you with credit unions that you qualify for based on where you live.



Yes
No

Interest Checking Accounts

Checking accounts do not have restrictions on the number of monthly withdrawals, but they tend to earn lower interest rates than other types of accounts

Savings Accounts and Money Markets

The Federal Reserve limits how often you can access money in your savings and money market accounts. Your bank will be forced to shut down your account if you repeatedly exceed six transactions per month.
CDs

CDs have higher yields than Savings and Money Market accounts because the bank knows your money is locked in for a long period of time. However, there are usually penalties for taking money out early.

Muni Funds and US Government Bonds

If you are willing to forgo FDIC insurance, you may be able to earn a higher yield with a tax advantaged municipal bond fund, or US Treasury note. You can buy muni bond funds directly in your brokerage account, and you can buy US Treasuries directly through TreasuryDirect.gov

4. Account Type?
Interest Checking
Money Markets
Savings
CDs
Muni Funds & Govt Bonds
Do you need access to this money?
Yes, frequently:
Get an interest Checking Account - Why?
Yes, but less than 6 times a month:
Get a Savings Accounts, or Money Market Accounts - Why?
No:
Get a CD, Tax Advantaged Munis, or Treasuries - Why?
Learn more...
5. Filter CD Results

How long can you invest the money?


Longer deposit durations tend to earn higher rates, but there are often penalties for early withdrawals.


months to
5.
Filter Muni Bonds & Treasuries

What is your annual income?

We use this to estimate your marginal tax rate, so we can compare tax-exempt products with regular deposit products.

More than $100,000
$30,000

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