NerdWallet's Best Savings Accounts of 2018

The best savings accounts should come with great customer service, cutting-edge technology and higher-than-average interest rates, and they should have low or no fees. NerdWallet staff spent over 200 hours analyzing, comparing and rating dozens of banks and credit unions. (Some are NerdWallet partners, which was not a factor in our evaluations.) Our favorites are below, with filters to help tailor your results.

By Jeanne Lee
You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved. Here’s how we make money.

What you'll need to open your new savings account

Basic personal details (name, address, email, phone and social security number) for you and any other applicants

A valid, government-issued ID for you and any other applicants

Your current bank's account and routing numbers (available on your checks or online)

Show accounts that offer

Showing 1 - 10 of 10 accounts
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Online Savings Account

Member, FDIC

NerdWallet’s overall rating
Learn moreat Barclays

In a nutshell

  • No monthly fee
  • Competitive APY
  • APY
    1.50%
    With $1 minimum balance

Why we like it

Online Savings

Member, FDIC

NerdWallet’s overall rating
Learn moreat Goldman Sachs Bank USA

In a nutshell

  • No monthly fee
  • Competitive APY
  • APY
    1.50%
    With $1 minimum balance

Why we like it

High Yield Savings Account

Member, FDIC

NerdWallet’s overall rating
Learn moreat Synchrony Bank

In a nutshell

  • No monthly fee
  • Competitive APY
  • APY
    1.55%
    With $1 minimum balance

Why we like it

High Yield Savings Account

Member, FDIC

NerdWallet’s overall rating
Learn moreat American Express Bank, FSB

In a nutshell

  • No monthly fee
  • Mobile-friendly
  • Competitive APY
  • APY
    1.45%
    With $0 minimum balance

Why we like it

Premier High Yield Savings Account

Member, FDIC

NerdWallet’s overall rating
Learn moreat CIT Bank

In a nutshell

  • No monthly fee
  • Competitive APY
  • APY
    1.55%
    With $100 minimum balance

Why we like it

Online Savings

Member, FDIC

NerdWallet’s overall rating
Learn moreat Discover

In a nutshell

  • No monthly fee
  • Competitive APY
  • Live help 24/7
  • APY
    1.50%
    With $0 minimum balance

Why we like it

Chase Savings℠

Member, FDIC

NerdWallet’s overall rating
Learn moreat Chase

In a nutshell

  • 2,000+ branches
  • Live help 24/7
  • Mobile-friendly
  • Bonus
  • APY
    0.01%
    With $1 minimum balance
  • Monthly fee
    $5
    Waived with $300 minimum balance
  • Bonus
    $150
    Requirements to qualify

Why we like it

Online Savings Account

Member, FDIC

NerdWallet’s overall rating

In a nutshell

  • No monthly fee
  • Competitive APY
  • Live help 24/7
  • Mobile-friendly
  • APY
    1.45%
    With $1 minimum balance

Why we like it

High-Rate Savings

Federally insured by the NCUA

NerdWallet’s overall rating

In a nutshell

  • Competitive APY
  • Live help 24/7
  • Mobile-friendly
  • APY
    1.45%
    With $100 minimum balance

Why we like it

360 Savings

Member, FDIC

NerdWallet’s overall rating

In a nutshell

  • No monthly fee
  • Competitive APY
  • Live help 24/7
  • APY
    1.00%
    With $1 minimum balance

Why we like it