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

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Checking & Budgeting

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

Account Details

  • High-Yield Checking – Also 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
View Details

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
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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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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

Checking & Budgeting

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Checking & Budgeting

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

Account Details

  • High-Yield Checking – Also 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
View Details

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
View Details

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 1.70% APY on All Balance
  • 5X the National Average Savings Rate
  • No Fees, No Minimums, Just Savings
View Details

Personal Savings

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Personal Savings

American Express National Bank
View Details
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
  • 1.70% APY as of 12/12/19
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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
View Details

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: 1.60% 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
View Details