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

CIT Bank Money Market Account

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CIT Bank Money Market Account

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

Account Details

  • Higher rates than traditional banks
  • 24/7 Account Access
  • Secure banking features
  • FDIC Insured
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Online Savings Account

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Online Savings Account

Marcus by Goldman Sachs
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Deposit term required
N/A
Minimum balance for APY
$0
Member, FDIC

Account Details

  • 1.70% APY (annual percentage yield) as of 2/24/2020
  • No minimum deposit to open account
  • No transaction fees
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High Yield Savings Account

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High Yield Savings Account

UFB Direct
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Deposit term required
N/A
Minimum balance for APY
$10,000
Member, FDIC

Account Details

  • Earn 1.70% APY on balances of $10,000 and greater
  • No minimum balance required to open an account
  • No monthly maintenance fees
  • Access your funds 24/7 with easy-to-use digital banking tools
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Personal Savings

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Personal Savings

American Express National Bank
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Deposit term required
N/A
Minimum balance for APY
$0
Member, FDIC

Account Details

  • No fees/minimum balance
  • 24/7 account access via phone or web
  • 1.60% APY as of 4/3/2020
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Online Savings Account

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Online Savings Account

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

Account Details

  • No monthly maintenance fee
  • No minimum balances to open
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Checking & Budgeting

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Checking & Budgeting

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

Account Details

  • Earn 1.55% APY on all Protected Goals Account Balances.
  • High-Yield Checking – In addition to your Simple Account, open a Protected Goals Account to earn a higher APY and keep it safe from spending.
  • 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).
  • Automate Your Savings – Turn on Round-up Rules and start saving up effortlessly. Whenever you make a purchase, Simple will round up what you spend to the next whole dollar amount. When the “change” from those transactions reaches or exceeds $5, Simple transfers it to your Protected Goals Account.
  • 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!)
  • Banking Services provided by BBVA USA, Member FDIC. The Simple Visa® Debit Card is issued by BBVA USA pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

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
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Money Market Account

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Money Market Account

BankDirect
Deposit term required
N/A
Minimum balance for APY
$10,000
Member, FDIC

Online Savings

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Online Savings

Discover Bank
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Deposit term required
N/A
Minimum balance for APY
$0
Member, FDIC

Account Details

  • No fees
  • 24/7 U.S.-based customer service
  • To get your $150 or $200 Bonus offer:
  • What to do: Apply for your first Discover Online Savings Account by 4/6/20, 11:59 PM ET, online or by phone. Enter Offer Code NW320 when applying. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Deposit must be posted by 4/20/20, 11:59 PM ET. Maximum bonus eligibility is $200.
  • What to know: Offer not valid for existing or prior Discover savings customers or existing or prior customers with savings accounts that are co-branded or affinity accounts provided by Discover. Account must be open when bonus is credited. Bonus will be credited to the account by 5/4/20. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer may be modified/withdrawn without notice.
  • See Discover's Website for more details.
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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

  • 360 Performance Savings™
  • Earn 1.50% APY on All Balances
  • 5X the National Average Savings Rate
  • No Fees, No Minimums, Just Savings
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Discover Money Market Account

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Discover Money Market Account

Discover Bank
Deposit term required
N/A
Minimum balance for APY
$2,500
Member, FDIC