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

Everyday Savings

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Everyday Savings

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

Account Details

  • Earn up to 2.21% APY when you join the waitlist for Betterment Everyday Checking
  • No monthly maintenance fees
  • No overdraft fees
  • No minimum balance
  • ATM fees are reimbursed
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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 2.20% APY, you must EITHER maintain a minimum balance of $25,000 OR make a monthly deposit of $100 or more.
  • Minimum opening deposit of $100
  • No account opening or maintenance fees
  • Daily compounding of interest
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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
$1,000
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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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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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

  • Bank, Budget & Earn Up To $300 on top of 2.02% APY when you open a new Individual and Shared Protected Goals Account with qualifying activities
  • How to earn a $150 bonus for each new Protected Goals Account ($150 for Individual and $150 for Shared): Open a new Protected Goals Account by 9/30/19 4:59PM PT. Deposit(s) totaling $10,000 or more must post to the new Protected Goals Account by 10/15/19 4:59PM PT. Maintain a balance of at least $10,000 in the new Protected Goals Account through 12/31/19 4:59 PM PT.
  • What to know: Qualifying customers will receive the bonus credit to their Protected Goals Account by 1/14/20 4:59 PM PT. Accounts must be open and in good standing at the time of bonus credit. Maximum of one (1) $150 bonus per eligible Protected Goals Account. Maximum of $300 in bonuses. Simple employees are ineligible for this promotion. BBVA USA may report the value of the bonus to the IRS as ‭required by law. Any client whose tax status would require BBVA USA to impose tax withholding of any ‭sort will not be eligible for this bonus. Bonus may be modified or withdrawn without notice.
  • 2.02% APY
  • Simple customers earn 2.02% APY on all Protected Goals Account Balances - 30x the national average
  • 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).
  • 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!)
  • 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.

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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SoFi Money™

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SoFi Money™

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

Account Details

  • High Interest: 2.00% APY as on all of your cash
  • No Account Fees: We don’t believe in charging you fees to use your own money
  • Free ATMs: We’ll reimburse 100% of your ATM fees – even internationally
  • Membership: All SoFi member benefits included
  • Mobile: Get a debit card, peer-to-peer payments, photo check deposit, and customer service so good you won’t need a branch
  • Safe & Secure: FDIC insurance up to $1.5 million, (members not influenced by FDIC figure), SSL encryption, and fraud protection
  • Freeze Card: Misplaced your card? Freeze it on the go from the SoFi app.
  • Bill Pay: Set up bill payments directly from the SoFi app
  • Free Checks for Life: Need a physical checkbook? We got ‘em.
  • Push Notifications: Get notified when you get your paycheck or are sent money via P2P
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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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Online Savings

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Online Savings

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

Account Details

  • No minimum deposit to open account
  • No transaction fees
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Online Savings Account

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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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Online Savings

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Online Savings

Discover
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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 10/7/19, 11:59 PM ET, online or by phone. Enter Offer Code NW919 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 10/21/19, 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 11/4/19. 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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