Editorial Disclaimer: The editorial content on this page is not provided by any financial institution and has not been reviewed, approved or otherwise endorsed by any of these entities. Some of the offers below are from our partners.

Advertiser Disclosure

Savings Accounts

Think of a savings account like a loan to a bank. Banks borrow the money from you to loan it to someone else. Your goal should be to maximize the rate you charge banks to borrow your money. Fortunately, the top choices are simple: online banks and credit unions offer the best returns. We've looked at hundreds of offers to find the best savings account for you.

Learn More
I want to keep my money in savings for:
SHOW INFO

SHOWING 154 ACCOUNTS OFFERS

Your Savings
 
Grade
Minimum deposit to earn APY
APY

$220

over 12 months

High Rate - quarterly withdrawals only from Communitywide Federal Credit Union
High Rate - quarterly withdrawals only

A

Very Transparent

$1

min deposit to earn APY

2.00%

SEE DETAILS

NCUA Insured

$217

over 12 months

High Rate Savings from North American Savings Bank
High Rate Savings

C

Lots of fine print

$50,000

min deposit to earn APY

1.97%

SEE DETAILS

Member FDIC

$209

over 12 months

Funds - Monthly from Communitywide Federal Credit Union
Funds - Monthly

A

Very Transparent

$1

min deposit to earn APY

1.90%

SEE DETAILS

NCUA Insured

$209

over 12 months

Helium Savings 1 year Promo - New Money from Elements Financial
Helium Savings 1 year Promo - New Money

B

A little complex

$2,500

min deposit to earn APY

1.90%

SEE DETAILS

NCUA Insured

$196

over 12 months

Betterment Everyday Cash Reserve - Promo Rate from Betterment
Betterment Everyday Cash Reserve - Promo Rate

B

A little complex

$0

min deposit to earn APY

1.78%

SEE DETAILS

FDIC Insured

$193

over 12 months

Savings Builder from CIT Bank
Savings Builder

B

A little complex

$25,000

min deposit to earn APY

1.75%

SEE DETAILS

Member FDIC

$193

over 12 months

High Yield Online Savings Account from Vio Bank
High Yield Online Savings Account

B

A little complex

$100

min deposit to earn APY

1.75%

SEE DETAILS

Member FDIC

$193

over 12 months

Online Savings Account - New Money Only from First Foundation Bank
Online Savings Account - New Money Only

C

Lots of fine print

$1,000

min deposit to earn APY

1.75%

SEE DETAILS

Member FDIC

$188

over 12 months

SFGI Direct Savings Account from SFGI Direct
SFGI Direct Savings Account

B

A little complex

$1

min deposit to earn APY

1.71%

SEE DETAILS

Member FDIC

$188

over 12 months

Personal Savings Account from Prime Alliance Bank
Personal Savings Account

A

Very Transparent

$10,000

min deposit to earn APY

1.71%

SEE DETAILS

Member FDIC

$187

over 12 months

High-yield Online Savings Account from Goldman Sachs Bank USA
High-yield Online Savings Account

A

Very Transparent

$0

min deposit to earn APY

1.70%

SEE DETAILS

Member FDIC

$187

over 12 months

HSBC Direct Savings from HSBC Direct
HSBC Direct Savings

A

Very Transparent

$0

min deposit to earn APY

1.70%

SEE DETAILS

Member FDIC

$187

over 12 months

High Yield Savings from TAB Bank
High Yield Savings

A

Very Transparent

$1

min deposit to earn APY

1.70%

SEE DETAILS

Member FDIC

$187

over 12 months

High-Yield Savings Account from Comenity Direct
High-Yield Savings Account

B

A little complex

$100

min deposit to earn APY

1.70%

SEE DETAILS

Member FDIC

$187

over 12 months

Online Savings Account from Citizens Access
Online Savings Account

B

A little complex

$5,000

min deposit to earn APY

1.70%

SEE DETAILS

Member FDIC

$187

over 12 months

UFB High Yield Savings from UFB Direct
UFB High Yield Savings

A

Very Transparent

$10,000

min deposit to earn APY

1.70%

SEE DETAILS

Member FDIC

$183

over 12 months

Savings from WebBank
Savings

C

Lots of fine print

$1,000

min deposit to earn APY

1.66%

SEE DETAILS

Member FDIC

$182

over 12 months

High-Yield Savings from BrioDirect
High-Yield Savings

B

A little complex

$25

min deposit to earn APY

1.65%

SEE DETAILS

FDIC Insured

$176

over 12 months

Online Savings Account from Barclays
Online Savings Account

A

Very Transparent

$0

min deposit to earn APY

1.60%

SEE DETAILS

Member FDIC

$176

over 12 months

High Yield Savings Account from American Express National Bank
High Yield Savings Account

A

Very Transparent

$1

min deposit to earn APY

1.60%

SEE DETAILS

Partner Offer

Member FDIC

$176

over 12 months

Online Savings from Amalgamated Bank
Online Savings Amalgamated Bank

A

Very Transparent

$0

min deposit to earn APY

1.60%

SEE DETAILS

Member FDIC

$171

over 12 months

High Yield Savings Account from Rising Bank
High Yield Savings Account

C

Lots of fine print

$1,000

min deposit to earn APY

1.55%

SEE DETAILS

Member FDIC

$165

over 12 months

Online Savings Account from Ally Bank, Member FDIC
Online Savings Account

A

Very Transparent

$0

min deposit to earn APY

1.50%

SEE DETAILS

Member FDIC

$165

over 12 months

Smart Move Online Savings Account from Ridgewood Savings Bank
Smart Move Online Savings Account

A

Very Transparent

$0.01

min deposit to earn APY

1.50%

SEE DETAILS

Member FDIC

$165

over 12 months

Online Savings from Discover Bank
Online Savings

A

Very Transparent

$0

min deposit to earn APY

1.50%

SEE DETAILS

Member FDIC

$165

over 12 months

SmartyPig Savings from SmartyPig
SmartyPig Savings

A

Very Transparent

$0.01

min deposit to earn APY

1.50%

SEE DETAILS

Member FDIC

$165

over 12 months

High Yield Savings from Synchrony Bank
High Yield Savings

A

Very Transparent

$0

min deposit to earn APY

1.50%

SEE DETAILS

Member FDIC

Read Full Review

$165

over 12 months

360 Performance Savings from Capital One
360 Performance Savings

A

Very Transparent

$0

min deposit to earn APY

1.50%

SEE DETAILS

Member FDIC

$165

over 12 months

Dollar Savings Account from DollarSavingsDirect
Dollar Savings Account

A

Very Transparent

$0

min deposit to earn APY

1.50%

SEE DETAILS

Member FDIC

$165

over 12 months

Online Savings from PurePoint Financial
Online Savings

C

Lots of fine print

$10,000

min deposit to earn APY

1.50%

SEE DETAILS

Member FDIC

$160

over 12 months

CIBC Agility Savings - Online Only from CIBC USA
CIBC Agility Savings - Online Only

C

Lots of fine print

$1

min deposit to earn APY

1.45%

SEE DETAILS

Member FDIC

$160

over 12 months

S3 Prime Savings from McGraw Hill Federal Credit Union
S3 Prime Savings

B

A little complex

$100

min deposit to earn APY

1.45%

SEE DETAILS

NCUA Insured

$154

over 12 months

High-Yield Savings from Sallie Mae Bank
High-Yield Savings

A

Very Transparent

$0

min deposit to earn APY

1.40%

SEE DETAILS

Member FDIC

$144

over 12 months

IncredibleBank HSA from IncredibleBank
IncredibleBank HSA

A

Very Transparent

$25,000

min deposit to earn APY

1.31%

SEE DETAILS

Member FDIC

$139

over 12 months

Popular Direct Ultimate Savings Account from Popular Direct
Popular Direct Ultimate Savings Account

C

Lots of fine print

$0.01

min deposit to earn APY

1.70%

SEE DETAILS

Member FDIC

$138

over 12 months

High Yield Online Savings from MidFirst Direct
High Yield Online Savings

C

Lots of fine print

$0

min deposit to earn APY

1.25%

SEE DETAILS

Member FDIC

$137

over 12 months

High-Rate Savings from Alliant Credit Union
High-Rate Savings

F

Way Too Complex!

$100

min deposit to earn APY

1.35%

SEE DETAILS

NCUA Insured

$137

over 12 months

Supplemental Savings from Alliant Credit Union
Supplemental Savings

F

Way Too Complex!

$100

min deposit to earn APY

1.35%

SEE DETAILS

NCUA Insured

$132

over 12 months

High-Interest Savings from Bank5 Connect
High-Interest Savings

B

A little complex

$100

min deposit to earn APY

1.20%

SEE DETAILS

Member FDIC

$132

over 12 months

Premier Savings - New Customers Only from Colorado Federal Savings Bank
Premier Savings - New Customers Only

C

Lots of fine print

$50,000

min deposit to earn APY

1.20%

SEE DETAILS

Member FDIC

$132

over 12 months

HighQ from Quorum Federal Credit Union
HighQ

A

Very Transparent

$0.01

min deposit to earn APY

1.20%

SEE DETAILS

NCUA Insured

$128

over 12 months

BanesGrow Savings Account from Banesco USA
BanesGrow Savings Account

F

Way Too Complex!

$300

min deposit to earn APY

1.71%

SEE DETAILS

Member FDIC

$122

over 12 months

High Yield Online Savings from Silver Gate Bank
High Yield Online Savings Silver Gate Bank

F

Way Too Complex!

$100,000

min deposit to earn APY

1.11%

SEE DETAILS

Member FDIC

$116

over 12 months

Ultimate Savings from Northpointe Bank
Ultimate Savings

A

Very Transparent

$5,000

min deposit to earn APY

1.05%

SEE DETAILS

Member FDIC

$111

over 12 months

Online Savings from MutualOne Bank
Online Savings

B

A little complex

$0

min deposit to earn APY

1.01%

SEE DETAILS

Member FDIC

$111

over 12 months

Primary Savings from American Airlines Credit Union
Primary Savings

B

A little complex

$5

min deposit to earn APY

1.01%

SEE DETAILS

NCUA Insured

$110

over 12 months

360 Savings Account from Capital One
360 Savings Capital One

A

Very Transparent

$0

min deposit to earn APY

1.00%

SEE DETAILS

Member FDIC

$110

over 12 months

MySavings Account from MySavingsDirect
MySavings Account

A

Very Transparent

$0

min deposit to earn APY

1.00%

SEE DETAILS

Member FDIC

Read Full Review

$110

over 12 months

Online Savings from FNBO Direct
Online Savings

A

Very Transparent

$0.01

min deposit to earn APY

1.00%

SEE DETAILS

Member FDIC

$110

over 12 months

Langley Saves from Langley Federal Credit Union
Langley Saves

A

Very Transparent

$5

min deposit to earn APY

1.00%

SEE DETAILS

NCUA Insured

$110

over 12 months

High Yield Savings from Wings Financial Credit Union
High Yield Savings

A

Very Transparent

$250,000

min deposit to earn APY

1.00%

SEE DETAILS

NCUA Insured

$110

over 12 months

MoreSavings from Affinity Federal Credit Union
MoreSavings

A

Very Transparent

$250,000

min deposit to earn APY

1.00%

SEE DETAILS

NCUA Insured

$110

over 12 months

eOne Savings from Salem Five Direct
eOne Savings

B

A little complex

$0.01

min deposit to earn APY

1.00%

SEE DETAILS

Member FDIC

$110

over 12 months

High Yield Savings from Colorado Federal Savings Bank
High Yield Savings

A

Very Transparent

$1

min deposit to earn APY

1.00%

SEE DETAILS

Member FDIC

$110

over 12 months

Helium Savings from Elements Financial
Helium Savings

B

A little complex

$2,500

min deposit to earn APY

1.00%

SEE DETAILS

NCUA Insured

$99

over 12 months

USAA Performance First Savings from USAA Bank
USAA Performance First Savings

C

Lots of fine print

$1,000,000

min deposit to earn APY

0.90%

SEE DETAILS

Member FDIC

$88

over 12 months

My Community Super Savings from New York Community Bank
My Community Super Savings New York Community Bank

F

Way Too Complex!

$10,000

min deposit to earn APY

0.80%

SEE DETAILS

Member FDIC

$83

over 12 months

Grand Yield Savings from Apple Bank for Savings
Grand Yield Savings

B

A little complex

$2,500

min deposit to earn APY

0.75%

SEE DETAILS

Member FDIC

$83

over 12 months

Higher-Yield Savings from Hanscom Federal Credit Union
Higher-Yield Savings

C

Lots of fine print

$25,000

min deposit to earn APY

0.75%

SEE DETAILS

NCUA Insured

$72

over 12 months

High Yield Savings from Flagstar Bank
High Yield Savings

F

Way Too Complex!

$1,000,000

min deposit to earn APY

0.65%

SEE DETAILS

Member FDIC

Go To Top

Our Fine Print 

We hate fine print. We created this entire site because of the nasty fine-print habits of other companies. Unfortunately, the legal team insist we include the following:

MagnifyMoney is not a lender, does not broker loans to lenders and does not make personal loans or credit decisions. This website does not constitute an offer or solicitation to lend.

Offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on LendingTree of no greater than 35.99% APR with terms from 61 days to 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. For additional loan options, please call 800-339-4896. An example of total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36 month life of the loan.

MagnifyMoney is wholly-owned by LendingTree, a Marketing Lead Generator and Duly Licensed Mortgage Broker with its main office located at 11115 Rushmore Dr., Charlotte, NC 28277, Telephone Number 866-501-2397 (TDD/TTY). NMLS Unique Identifier #1136. You may see links to LendingTree services and sites on our websites. By visiting LendingTree’s site, you accept and agree to be bound by LendingTree’s Terms of Use.

For complete details on any product see the terms and conditions on the financial institution's website.

MagnifyMoney is a free, independent service providing unbiased comparisons of financial products, therefore if we are compensated then we will let you know on the product page before you leave our website.

Once you click to apply for an offer, you will be directed to a third-party website at which point you should give the fine print a gut check

While we trudge through the fine print for you, we are only offering a summary not all the intricate, legal conditions (which is why you wanted our opinion anyway, right?).

Be sure you do understand the full terms provided by the financial institution before signing the dotted line, or lets be real, clicking the "I Agree" button.

We do our best to make sure our calculations are up-to-date, but we are human and can't make warranties regarding the accuracy of our information. If you find an error please let us know here.

Do you have a question?