You sock away your money to keep it safe and to watch it grow. We’ve rounded up the best savings accounts and CDs from banks, credit unions and non-bank financial service providers including some from our partners, so you can find one with the highest interest rates.

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Deposit term requiredMinimum balance for APYAPY

Checking & Budgeting

NerdWallet rating

Checking & Budgeting

Simple
View Details
Deposit term required
N/A
Minimum balance for APY
$10,000
Deposits are FDIC Insured

Account Details

  • High-Yield Checking – Earn 2.15% APY on Protected Goals Account balances $10,000 or more, Protected Goals Account balances lower than $10,000 still earn a competitive 2.02% APY
  • Simple Goals – Use Goals to stash away money: Save for the unexpected or automate saving for things you want. From a trip to Italy to a new bike.
  • Simple Expenses – Set it & forget: Set up your Expenses one time and going forward, we’ll do the boring work of recreating the Expense for you. That way, when you pay your rent bill, your Expense is already saving up for next month’s bill. Yep, it’s our job now. (You can even split Expenses with a partner when using a Shared Account).
  • Shared Accounts – Earn interest with whoever you’re interested in: Let your money earn up to 30x the national average APY with a Shared Protected Goals Account. And when it comes to shared bills, two paychecks are better than one! Open a Simple Shared account and tackle them together.
  • Safe-to-Spend® – Spend spontaneously, without derailing your budget or bills (or doing math on the spot...). We take your account balance, subtract your Expenses and Goals, and tell you exactly how much money you have leftover to spend on whatever you want. (Buy the shoes!)

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits
  • Free Debit Card Replacement
  • No ATM Fees
  • Interest Earning Account

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

Checking & Budgeting

NerdWallet rating

Checking & Budgeting

Simple
View Details
Deposit term required
N/A
Minimum balance for APY
$0
Deposits are FDIC Insured

Account Details

  • High-Yield Checking – Earn 2.15% APY on Protected Goals Account balances $10,000 or more, Protected Goals Account balances lower than $10,000 still earn a competitive 2.02% APY
  • Simple Goals – Use Goals to stash away money: Save for the unexpected or automate saving for things you want. From a trip to Italy to a new bike.
  • Simple Expenses – Set it & forget: Set up your Expenses one time and going forward, we’ll do the boring work of recreating the Expense for you. That way, when you pay your rent bill, your Expense is already saving up for next month’s bill. Yep, it’s our job now. (You can even split Expenses with a partner when using a Shared Account).
  • Shared Accounts – Earn interest with whoever you’re interested in: Let your money earn up to 30x the national average APY with a Shared Protected Goals Account. And when it comes to shared bills, two paychecks are better than one! Open a Simple Shared account and tackle them together.
  • Safe-to-Spend® – Spend spontaneously, without derailing your budget or bills (or doing math on the spot...). We take your account balance, subtract your Expenses and Goals, and tell you exactly how much money you have leftover to spend on whatever you want. (Buy the shoes!)

Benefit Overview

  • Mobile App Available
  • Mobile Check Deposits
  • Free Debit Card Replacement
  • No ATM Fees
  • Interest Earning Account

Fee Breakdown

  • Paper Statements
    $0
  • Stop Payments
    $0
  • Debit Card Replacement
    $0
  • Out-of-Network ATM
    $0
  • Early Closure
    $0
  • Monthly Fee
    $0
  • Overdraft/NSF
    $0
View Details

My Savings

NerdWallet rating

My Savings

Nationwide
View Details
Deposit term required
N/A
Minimum balance for APY
$100
Deposits are FDIC Insured

Account Details

  • My Savings offers 1.90% APY so your savings can grow faster
  • No minimum balance requirements, no maintenance fees
  • Interest compounded daily
  • Only $100 deposit needed to open your account
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Agility™ Savings

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Agility™ Savings

CIBC Bank USA
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Deposit term required
N/A
Minimum balance for APY
$0.01
Member, FDIC

Account Details

  • With no maintenance fees, it's easy to grow your savings
  • Put your money to work with an online savings account from CIBC Bank USA.
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Savings Builder

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Savings Builder

CIT Bank
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Deposit term required
N/A
Minimum balance for APY
$100
Member, FDIC

Account Details

  • In order to earn 1.85% APY, you must either make a monthly deposit of $100 or more or maintain a minimum balance of $25,000.
  • Minimum opening deposit of $100
  • No account opening or maintenance fees
  • Daily compounding of interest
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Money Market Account

NerdWallet ratingNot rated

Money Market Account

ableBanking
Deposit term required
N/A
Minimum balance for APY
$250
Member, FDIC

Online Savings Account

NerdWallet rating

Online Savings Account

Citizens Access
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Deposit term required
N/A
Minimum balance for APY
$5,000
Member, FDIC

Account Details

  • 5 minute sign-up
  • No fees for anything
  • $5,000 minimum deposit
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Wealthfront Cash Account

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Wealthfront Cash Account

Wealthfront
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Deposit term required
N/A
Minimum balance for APY
$1

Account Details

  • FDIC insured up to $1 million
  • No market risk
  • Fast and easy setup
  • Unlimited, free transfers
  • No fees
  • $1 minimum
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360 Performance Savings™

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360 Performance Savings™

Capital One
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Deposit term required
N/A
Minimum balance for APY
$0
Member, FDIC

Account Details

  • Introducing 360 Performance Savings™
  • Earn 1.80% APY on All Balance
  • 5X the National Average Savings Rate
  • No Fees, No Minimums, Just Savings
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Betterment Everyday™ Cash Reserve

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Betterment Everyday™ Cash Reserve

Betterment
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Deposit term required
N/A
Minimum balance for APY
$0

Account Details

  • No monthly maintenance fees
  • No overdraft fees
  • No minimum balance
  • ATM fees are reimbursed
View Details