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Best-of-the-Best Savings Accounts of 2019

Our Nerds spent countless hours reviewing and comparing savings accounts — many of them are our partners — before selecting the winners. The factors they considered include APYS, maintenance fees, minimum balances and customer service.

BankAPYMonthly FeeDetails
Goldman Sachs Bank USA Online Savings's logo

at Goldman Sachs Bank USA,

Member, FDIC

1.70%

With $0 minimum balance

$0

Pros

  • Access to customer service 6 days/week
  • No monthly fees

Cons

  • No checking account, mobile app or ATM access
  • No physical branches
Barclays Online Savings Account's logo

at Barclays,

Member, FDIC

1.70%

With $0 minimum balance

$0

Pros

  • Customer service available 7 days/week
  • Minimal non-sufficient funds fee
  • No monthly fees

Cons

  • No checking account, mobile app or ATM access
  • No physical branches
Discover Bank Online Savings's logo

at Discover Bank,

Member, FDIC

1.70%

With $0 minimum balance

$0

Pros

  • Access to ATMs
  • Mobile app and checking account available
  • Customer service available 7 days/week
  • $150-200 sign-up bonus available
  • No monthly fees

Cons

  • Limited access to physical branches
  • Large deposit required for promotional sign-up bonuses
Alliant Credit Union High-Rate Savings's logo

at Alliant Credit Union,

Federally insured by the NCUA

1.70%

With $100 minimum balance

$0

Pros

  • Provides more than 80,000 free ATMs
  • Broad membership requirements, which is rare for a credit union
  • Allows account holders to open as many as 19 supplemental accounts
  • No monthly fees

Cons

  • No limit on number of daily overdraft charges
  • Limited branch network

Want more Best-Of winners?

Check out our full list of awards, including credit cards, personal loans, mortgages and more.

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