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

  • Earn Up To $500 on top of 2.15% APY with qualifying activities
  • Earn $500 when you open a new Simple Account by 10/31/19 4:59PM PT, deposit $20,000 into the new account by 11/15/19 4:59PM PT, and maintain that balance of at least $20,000 through 1/31/20 4:59PM PT. OR Earn a $250 bonus when you open a new Simple Account by 10/31/19 4:59PM PT, deposit $10,000 into the new account by 11/15/19 4:59PM PT, and maintain that balance of at least $10,000 through 1/31/20 4:59PM PT. Qualifying customers will receive the bonus credit to their Simple Account by 2/14/20 4:59PM PT
  • Balances in the Simple Account earn 0.01% APY. Also open an Individual Protected Goals Account and transfer funds there to earn up to 2.15% APY. So long as your combined balance in both accounts total the minimum balance requirements for the offer, you’ll be eligible for the bonus - meaning you could earn up to $500 and a competitive 2.15% APY
  • Simple combines innovative technology to help its customers easily bank, budget and save. Simple customers receive a Simple Visa® Debit card that's tied to an FDIC-insured account with no surprise fees, and powerful budgeting and savings tools. Simple is accessible via web, iOS, and Android apps
  • 2.15% APY
  • 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).
  • 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

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
View Details

Agility™ Savings

NerdWallet rating

Agility™ Savings

CIBC Bank USA
View Details
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.
View Details

Betterment Everyday™ Savings

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Betterment Everyday™ Savings

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

Account Details

  • Earn up to 2.04% APY when you join the waitlist for Betterment Everyday Checking
  • No monthly maintenance fees
  • No overdraft fees
  • No minimum balance
  • ATM fees are reimbursed
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

  • Earn Up To $500 on top of 2.15% APY with qualifying activities
  • Earn $500 when you open a new Simple Account by 10/31/19 4:59PM PT, deposit $20,000 into the new account by 11/15/19 4:59PM PT, and maintain that balance of at least $20,000 through 1/31/20 4:59PM PT. OR Earn a $250 bonus when you open a new Simple Account by 10/31/19 4:59PM PT, deposit $10,000 into the new account by 11/15/19 4:59PM PT, and maintain that balance of at least $10,000 through 1/31/20 4:59PM PT. Qualifying customers will receive the bonus credit to their Simple Account by 2/14/20 4:59PM PT
  • Balances in the Simple Account earn 0.01% APY. Also open an Individual Protected Goals Account and transfer funds there to earn up to 2.15% APY. So long as your combined balance in both accounts total the minimum balance requirements for the offer, you’ll be eligible for the bonus - meaning you could earn up to $500 and a competitive 2.15% APY
  • Simple combines innovative technology to help its customers easily bank, budget and save. Simple customers receive a Simple Visa® Debit card that's tied to an FDIC-insured account with no surprise fees, and powerful budgeting and savings tools. Simple is accessible via web, iOS, and Android apps
  • 2.15% APY
  • 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).
  • 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

Online Savings Account

NerdWallet rating

Online Savings Account

Citizens Access
View Details
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
View Details

360 Performance Savings™

NerdWallet rating

360 Performance Savings™

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

Account Details

  • Earn 1.90% Annual Percentage Yield (APY) on any balance
  • No monthly fees means what you earn is what you keep
  • There are no minimums to open or maintain your high-yield savings account
View Details

Online Savings Account

NerdWallet rating

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
View Details

Online Savings

NerdWallet rating

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
View Details

High Yield Savings Account

NerdWallet rating

High Yield Savings Account

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
  • 1.90% APY as of 8/22/19
View Details