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<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width"/><title>Best savings accounts of November 2024: Compare rates, fees, and more | Fortune Recommends</title><meta name="msapplication-TileColor" content="#ffc40d"/><meta name="theme-color" content="#FFFFFF"/><meta name="description" content="The Fortune Recommends team evaluated more than 60 high-yield savings accounts to find you the top picks."/><meta name="keywords" content=""/><meta property="og:url" content="https://fortune.com/recommends/banking/best-savings-accounts/"/><meta property="og:type" content="article"/><meta property="og:title" content="These are the absolute best savings accounts available today (5% APY and up)"/><meta property="og:description" content="Here's where to put your money for market-leading interest rates without the excessive fees or minimums."/><meta property="og:site_name" content="Fortune Recommends"/><meta property="og:image" content="https://fortune.com/img-assets/wp-content/uploads/2023/10/Recommends_Best_Savings_Accounts_List.jpg?resize=1200,600"/><meta property="og:width" content="1024"/><meta property="og:height" content="683"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="These are the absolute best savings accounts available today (5% APY and up)"/><meta name="twitter:description" content="Here's where to put your money for market-leading interest rates without the excessive fees or minimums."/><meta name="twitter:image" content="https://fortune.com/img-assets/wp-content/uploads/2023/10/Recommends_Best_Savings_Accounts_List.jpg?resize=1200,600"/><meta name="twitter:url" content="https://fortune.com/recommends/banking/best-savings-accounts/"/><meta property="fb:pages" content="56501027948"/><meta name="robots" content="max-image-preview:large"/><link rel="preconnect" href="https://www.google-analytics.com" crossorigin=""/><link rel="preconnect" href="https://www.googletagservices.com" crossorigin=""/><link rel="preconnect" href="https://ad.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://static.doubleclick.net" crossorigin=""/><link rel="preconnect" href="https://securepubads.g.doubleclick.net" crossorigin=""/><link rel="icon" href="/icons/favicons/favicon.ico"/><link rel="canonical" href="https://fortune.com/recommends/banking/best-savings-accounts/"/><link rel="preload" href="https://fortune.com/fonts/GraphikCondensed-Regular-Web.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preconnect" href="https://static.myfinance.com" crossorigin=""/><link rel="alternate" type="application/rss+xml" title="Fortune RSS" href="https://fortune.com/feed/fortune-feeds/?id=3656532"/><script id="faq-json-schema" type="application/ld+json">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"In general, saving accounts are highly liquid accounts, meaning it's fast and easy to access your funds when needed. Federal law used to dictate that account holders could transfer funds out of their accounts up to six times per month. However, this rule was paused in 2020 and you can now make an unlimited number of transfers and withdrawals from savings accounts in many cases. However, some financial institutions still limit the number of withdrawals allowed per month and may impose a fee for excessive transactions."},"name":"Are savings accounts liquid?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Savings accounts are generally safe, especially when they are held at banks that are insured by the FDIC or at credit unions insured by the NCUA. Both entities insure deposits up to $250,000 per depositor, per institution, for each account ownership category."},"name":"Are savings accounts safe?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"The interest you earn in a savings account is usually subject to income tax. If you earn $10 or more in interest from a savings account in a year, the bank or financial institution will send you a Form 1099-INT, which reports the amount of interest you earned. Even if you don't receive a Form 1099-INT (e.g., if you earned less than $10), you're still generally required to report and pay tax on any interest income."},"name":"Do I have to pay taxes on money in a savings account?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Savings accounts are generally considered safe and are usually backed by the government. In the rare event of a bank failure, if the bank is not insured or if your savings exceed the insured amount, there is a risk of losing money. However, this situation can be avoided by keeping your money in an FDIC- or NCUA-insured account up to the federal maximum of $250,000 for insurance."},"name":"Can you lose money in a savings account during a recession?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"CDs typically offer higher interest rates than savings accounts—however, your money is locked up until maturity, with penalties for early withdrawal. Savings accounts offer more flexibility to access funds anytime. For emergency savings or short-term goals, a high-yield savings account is usually better. For money you won't need for a while, a CD ladder can maximize returns while maintaining some liquidity. Consider your timeline and your need to access your funds when choosing between CDs and savings accounts."},"name":"Is it better to put money in a CD or savings?"},{"@type":"Question","acceptedAnswer":{"@type":"Answer","text":"The \"best\" savings account depends on your specific needs, but some top contenders include LendingClub, Laurel Road, and UFB Direct. These institutions consistently offer high APYs and low fees. Compare a few options to see which features matter most to you. Just remember that rates change frequently, so don't chase tiny differences - focus on overall value."},"name":"Which bank has the best savings account?"}]}</script><script id="json-schema" type="application/ld+json">[{"@type":"Article","@context":["https://schema.org"],"publisher":{"@type":"Organization","address":{"@type":"PostalAddress","addressCountry":{"@type":"Country","name":"US"},"addressLocality":"New York","addressRegion":"NY","postalCode":"10038","streetAddress":"40 Fulton Street"},"brand":{"@type":"Brand","name":"Fortune"},"founder":{"@type":"Person","name":"Henry Robinson Luce"},"foundingDate":"1929-02","legalName":"Fortune Media (USA) 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data-cy="header-title" class="sc-3358ecfd-0 sc-bc78b52c-2 cLhSQr ilZHXK">Best savings accounts of November 2024: Compare rates, fees, and more</h1><div class="sc-bc78b52c-3 hKydgS"><div data-cy="header-authors" class="sc-4aadc14e-0 izTsmZ"><span class="sc-4aadc14e-7 fLvwvm"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ " rel="author" aria-label="Go to Abigail Rueger author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Abigail Rueger" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" 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src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=96&q=75"/></noscript></span><div class="sc-4aadc14e-2 hyvKyP"><div class="sc-4aadc14e-3 wCShc"><div data-cy="author-by-text" class="sc-4aadc14e-5 gQdnNk">BY</div><div data-cy="author-name" class="sc-4aadc14e-6 dImtxq">Abigail Rueger</div></div><div class="sc-4aadc14e-4 oxMCx">Deputy Editor, Banking</div></div></a><div class="sc-3be47025-11 fcFEKV sc-4aadc14e-1 COKyR"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Abigail Rueger</span></a><span class="sc-3be47025-2 eSlZzo">Deputy Editor, Banking</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Abigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></span><span class="sc-4aadc14e-7 fLvwvm"><div class="sc-8357b4fc-1 gslWGR"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ sc-8357b4fc-6 cytaS " aria-label="Go to Cassie Bottorff author's page"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:40px;height:40px;background:none;opacity:1;border:0;margin:0;padding:0;position:relative"><img alt="Cassie Bottorff" src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover;background-size:cover;background-position:0% 0%;filter:blur(20px);background-image:url("data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg==")"/><noscript><img alt="Cassie Bottorff" loading="lazy" decoding="async" data-nimg="fixed" style="border-radius:30px;position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%;object-fit:cover" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=48&q=75 1x, 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11.8318 4.63994 12.023 4.80754C12.0263 4.81086 12.028 4.81252 12.0313 4.81583L12.0049 4.83243Z" fill="white"></path></svg><span data-cy="reviewed-by-text" class="sc-8357b4fc-2 bjJBmk">REVIEWED BY</span><span data-cy="reviewer-name" class="sc-8357b4fc-7 kXSAJi">Cassie Bottorff</span></span><span class="sc-8357b4fc-5 eFRRvB">Editor, Business & Banking</span></span></a><div class="sc-3be47025-11 fcFEKV sc-8357b4fc-0 ipkJtx"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Cassie Bottorff</span></a><span class="sc-3be47025-2 eSlZzo">Editor, Business & Banking</span></div><button class="sc-3be47025-3 jstytk"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M18 6L6 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path><path d="M6 6L18 18" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round"></path></svg></button></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Cassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/cassandra_glenn" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div></span></div></div><div data-cy="header-date" class="sc-bc78b52c-4 dRiNOZ"></div></div></div><nav id="toc-wrapper" data-cy="TOC" class="sc-b1ff6b49-0 irBBoA toc"><div class="sc-b1ff6b49-2 GlBFr toc-mobile"><div class="sc-b1ff6b49-4 dsAQFp dropdown">On this page</div><div class="sc-b1ff6b49-5 heJLex"><span>Jump to your section</span></div><div class="sc-b1ff6b49-3 bbqQeU content-wrapper"><ul><li><a href="#top-10" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-10">10 best savings accounts</a></li><li style="list-style-type:none"><ul><li><a href="#sofi" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #sofi">SoFi</a></li><li><a href="#lendingclub" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #lendingclub">LendingClub</a></li><li><a href="#newtek" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #newtek">Newtek Bank</a></li><li><a href="#first-foundation" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #first-foundation">First Foundation Bank</a></li><li><a href="#quontic" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #quontic">Quontic</a></li><li><a href="#evergreen" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #evergreen">Evergreen Bank</a></li><li><a href="#laurel" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #laurel">Laurel Road</a></li><li><a href="#customers" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #customers">Customers Bank</a></li><li><a href="#forbright" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #forbright">Forbright Bank</a></li><li><a href="#ally" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #ally">Ally Bank</a></li></ul></li><li><a href="#top-accounts" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-accounts">Top high-yield savings accounts</a></li><li><a href="#news" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #news">Recent news that could impact your savings account interest rates</a></li><li><a href="#definition" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #definition">What is a savings account?</a></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros and cons</a></li><li><a href="#fees" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #fees">Fees and requirements</a></li><li><a href="#how-it-works" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-it-works">How do interest rates work?</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose the best savings account</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Savings account alternatives</a></li><li><a href="#how-to-open" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-open">How to open a savings account</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Methodology</a></li><li><a href="#FAQs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #FAQs">Frequently asked questions</a></li></ul></div></div><div class="sc-b1ff6b49-1 iEaleX toc-desktop"><div class="sc-b1ff6b49-4 dsAQFp">On this page</div><div class="sc-b1ff6b49-3 diyRdl content-wrapper"><ul><li><a href="#top-10" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-10">10 best savings accounts</a></li><li style="list-style-type:none"><ul><li><a href="#sofi" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #sofi">SoFi</a></li><li><a href="#lendingclub" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #lendingclub">LendingClub</a></li><li><a href="#newtek" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #newtek">Newtek Bank</a></li><li><a href="#first-foundation" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #first-foundation">First Foundation Bank</a></li><li><a href="#quontic" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #quontic">Quontic</a></li><li><a href="#evergreen" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #evergreen">Evergreen Bank</a></li><li><a href="#laurel" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #laurel">Laurel Road</a></li><li><a href="#customers" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #customers">Customers Bank</a></li><li><a href="#forbright" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #forbright">Forbright Bank</a></li><li><a href="#ally" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #ally">Ally Bank</a></li></ul></li><li><a href="#top-accounts" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #top-accounts">Top high-yield savings accounts</a></li><li><a href="#news" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #news">Recent news that could impact your savings account interest rates</a></li><li><a href="#definition" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #definition">What is a savings account?</a></li><li><a href="#pros-and-cons" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #pros-and-cons">Pros and cons</a></li><li><a href="#fees" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #fees">Fees and requirements</a></li><li><a href="#how-it-works" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-it-works">How do interest rates work?</a></li><li><a href="#how-to-choose" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-choose">How to choose the best savings account</a></li><li><a href="#alternatives" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #alternatives">Savings account alternatives</a></li><li><a href="#how-to-open" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #how-to-open">How to open a savings account</a></li><li><a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">Methodology</a></li><li><a href="#FAQs" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #FAQs">Frequently asked questions</a></li></ul></div></div></nav><div class="sc-82385409-1 lbNltL article-content" data-cy="content"><div><div data-cy="articleContent" class="rawHtml-content-no-nativo"><p>Savings account interest rates have reached new heights in the past two years, but a top-tier APY is just one piece of the puzzle. You also want to put your money where you won’t incur any unnecessary fees or have to maintain a huge balance to earn the advertised rate. </p><div class="paywall-selector"></div><div class="paywall"> <p>If you’re looking for the right place to keep your savings but aren’t sure where to start, don’t worry: we’ve got your back. The Fortune Recommends team regularly reviews more than 60 high-yield savings accounts to bring you our top picks based on annual percentage yield (APY), deposit requirements, fees, and more.</p> <details class="wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow"><summary><h3>Why trust Fortune Recommends</h3></summary><p>Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our <a href="https://fortune.com/fortune-recommends-editorial-guidelines/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-editorial-guidelines/">editorial guidelines</a> and the <a href="https://fortune.com/fortune-recommends-banking-methodology/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-banking-methodology/">banking methodology</a> for the ratings below.</p> <h4 class="wp-block-heading"></h4> <ul><li>More than 60 financial institutions compared</li> <li>Over 600 data points tracked</li> <li>4 layers of fact-checking</li> <li>Guided by over 25 years of banking experience </li></ul></details> <h2 class="wp-block-heading"><strong>The 5 highest-paying savings rates today</strong></h2> <p>If your top priority is simply finding the top interest rates, you may want to narrow your search to a high-yield savings account. Our team has partnered with industry experts at Curinos to help you find the highest savings interest rates available today, but please note that we may not have reviewed each of these banks in detail. Keep scrolling to learn more about banks we’ve conducted extensive research on to give savers the most well-rounded intel.</p><div data-cy="nativoTout"></div> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-baFZY" frameBorder="0" height="281" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/baFZY/4/" style="border:none" title="Highest savings account rates (from Curinos)" width="100%"></iframe></div></figure> <h2 class="wp-block-heading" id="top-10"><strong>10 best savings accounts of November 2024</strong></h2> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Account type</th><th scope="col">Best for:</th><th scope="col">APY</th><th scope="col">Minimum opening deposit</th><th scope="col">Learn more</th></tr></thead><tbody><tr><th scope="row"><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Featured Partner</mark><br/>SoFi® Checking & Savings (Member FDIC)</th><td class="">A generous welcome offer; up to $300<sup><a href="#disclaimer" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #disclaimer">1</a></sup></td><td class="">Up to 4.20%</td><td class="">$0</td><td class="last-cell"><a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at SoFi</td></tr><tr><th scope="row">LendingClub High-Yield Savings</th><td class="">ATM access</td><td class="">4.75%</td><td class="">$100</td><td class="last-cell"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at LendingClub</td></tr><tr><th scope="row">Newtek Bank High-Yield Savings</th><td class="">Those who want a well-established industry name</td><td class="">5.25%</td><td class="">$0</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">First Foundation Bank</th><td class="">In-person banking services</td><td class="">4.75%</td><td class="">$1000</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings&tag.subid=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings&tag.subid=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Quontic Bank High-Yield Savings</th><td class="">Easy-to-reach customer service</td><td class="">4.00%</td><td class="">$100</td><td class="last-cell"><a href="https://oc.brcclx.com/t?lid=26698288&tid=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26698288&tid=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Quontic</td></tr><tr><th scope="row">Evergreen Bank</th><td class="">New savers</td><td class="">4.50%</td><td class="">$100</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Laurel Road High Yield Savings</th><td class="">Savings plus loan refinancing</td><td class="">4.50%</td><td class="">$0</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Customers Bank</th><td class="">Low minimum deposit</td><td class="">3.55%</td><td class="">$1</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Forbright Bank</th><td class="">Climate conscious banking</td><td class="">5.00%</td><td class="">$0</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr><tr><th scope="row">Ally Bank</th><td class="">Online banking</td><td class="">4.00%</td><td class="">$0</td><td class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJo"><thead><tr><th colSpan="5">10 best savings accounts</th></tr></thead><tbody><tr><th><mark style="background-color:rgba(0, 0, 0, 0)" class="has-inline-color has-vivid-green-cyan-color">Featured Partner</mark><br/>SoFi® Checking & Savings (Member FDIC)</th><th class="last-cell"><a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at SoFi</th></tr><tr><th class="header" scope="row">Best for:</th><td>A generous welcome offer; up to $300<sup><a href="#disclaimer" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #disclaimer">1</a></sup></td></tr><tr><th class="header" scope="row">APY</th><td>Up to 4.20%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th>LendingClub High-Yield Savings</th><th class="last-cell"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at LendingClub</th></tr><tr><th class="header" scope="row">Best for:</th><td>ATM access</td></tr><tr><th class="header" scope="row">APY</th><td>4.75%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$100</td></tr><tr><th>Newtek Bank High-Yield Savings</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Best for:</th><td>Those who want a well-established industry name</td></tr><tr><th class="header" scope="row">APY</th><td>5.25%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th>First Foundation Bank</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings&tag.subid=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings&tag.subid=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Best for:</th><td>In-person banking services</td></tr><tr><th class="header" scope="row">APY</th><td>4.75%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$1000</td></tr><tr><th>Quontic Bank High-Yield Savings</th><th class="last-cell"><a href="https://oc.brcclx.com/t?lid=26698288&tid=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://oc.brcclx.com/t?lid=26698288&tid=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at Quontic</th></tr><tr><th class="header" scope="row">Best for:</th><td>Easy-to-reach customer service</td></tr><tr><th class="header" scope="row">APY</th><td>4.00%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$100</td></tr><tr><th>Evergreen Bank</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Best for:</th><td>New savers</td></tr><tr><th class="header" scope="row">APY</th><td>4.50%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$100</td></tr><tr><th>Laurel Road High Yield Savings</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Best for:</th><td>Savings plus loan refinancing</td></tr><tr><th class="header" scope="row">APY</th><td>4.50%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th>Customers Bank</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Best for:</th><td>Low minimum deposit</td></tr><tr><th class="header" scope="row">APY</th><td>3.55%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$1</td></tr><tr><th>Forbright Bank</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Best for:</th><td>Climate conscious banking</td></tr><tr><th class="header" scope="row">APY</th><td>5.00%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr><tr><th>Ally Bank</th><th class="last-cell"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally&tag.sub_id=3696053" rel="noreferrer noopener nofollow" aria-disabled="true">View offer</a><br/>at MoneyLion</th></tr><tr><th class="header" scope="row">Best for:</th><td>Online banking</td></tr><tr><th class="header" scope="row">APY</th><td>4.00%</td></tr><tr><th class="header" scope="row">Minimum opening deposit</th><td>$0</td></tr></tbody></table></div> <p class="has-text-align-center"><em>*Rates updated daily but are subject to change. You can <a href="#methodology" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #methodology">read our full methodology here</a>.</em></p> <hr class="sc-fa0656e5-0 gIAhfJ"/> <moneylion-savings-calculator></moneylion-savings-calculator> <hr class="sc-fa0656e5-0 gIAhfJ"/> <h2 class="wp-block-heading">The best savings accounts: our top picks</h2> <p>We rounded up accounts currently offering APYs of more than 4% to help you choose the best account for your savings. Here’s a quick look at 10 high-yield savings accounts available today.</p> <p>Rates and fees are up to date as of November 1, 2024, and are subject to change.</p> <h3 class="wp-block-heading" id="sofi"><strong>SoFi</strong>: Best savings account for a welcome offer; up to $300</h3> <p>SoFi (which stands for Social Finance, Inc.) began as a student loan refinancing company and has since expanded into a broad financial services company that offers a range of products, including bank accounts, loans, investments, insurance, and more. SoFi operates primarily online and does not have physical branches.</p> <div class="product-card-inline-wrapper"> <div class="card-banner">FEATURED PARTNER</div> <div class="card-area-1"> <h4 id="sofi" class="card-title"><a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053&subid2=card" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053&subid2=card" rel="nofollow noopener noreferrer" aria-disabled="true">SoFi® Checking & Savings</a></h4> <p class="card-subtitle"><strong>Member FDIC</strong></p> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"4.20%"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">Up to 4.20%*</span></td> </tr> <tr> <td>Minimum Balance Required to Earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum Opening Deposit</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"$0"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">$0</span></td> </tr> <tr> <td>Monthly Maintenance Fee</td> <td>None</td> </tr> </tbody> </table> </section> </div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="300" height="145" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 145'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=320&q=75 320w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=384&q=75 384w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=480&q=75 480w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=576&q=75 576w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=768&q=75 768w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=1024&q=75 1024w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=1280&q=75 1280w, https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=1440&q=75 1440w" src="https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053&subid2=card" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053&subid2=card" rel="noopener noreferrer nofollow" aria-disabled="true">Open Account </a> </div> <div class="card-area-4"> <section class="card-accordion two-pannels" role="tablist">  <input id="control0-6790a1fb-cb28-4701-bb0c-8734c4a5bb57" role="tab" name="accordion-pannel-6790a1fb-cb28-4701-bb0c-8734c4a5bb57" type="radio" aria-controls="content0-6790a1fb-cb28-4701-bb0c-8734c4a5bb57" checked=""/> <label id="label0-6790a1fb-cb28-4701-bb0c-8734c4a5bb57" tabindex="0" role="button" for="control0-6790a1fb-cb28-4701-bb0c-8734c4a5bb57"> About </label> <div id="content0-6790a1fb-cb28-4701-bb0c-8734c4a5bb57" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-6790a1fb-cb28-4701-bb0c-8734c4a5bb57">SoFi (which stands for Social Finance, Inc.) began as a student loan refinancing company and has since expanded into a broad financial services company that offers a range of products, including bank accounts, loans, investments, insurance, and more. SoFi operates primarily online and does not have physical branches. <br/><i>Member FDIC</i> </div>  <input id="control1-6790a1fb-cb28-4701-bb0c-8734c4a5bb57" role="tab" name="accordion-pannel-6790a1fb-cb28-4701-bb0c-8734c4a5bb57" type="radio" aria-controls="content1-6790a1fb-cb28-4701-bb0c-8734c4a5bb57"/> <label id="label1-6790a1fb-cb28-4701-bb0c-8734c4a5bb57" tabindex="0" role="button" for="control1-6790a1fb-cb28-4701-bb0c-8734c4a5bb57"> Additional Details </label> <div id="content1-6790a1fb-cb28-4701-bb0c-8734c4a5bb57" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-6790a1fb-cb28-4701-bb0c-8734c4a5bb57"> <p style="font-size:12px"><em>SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to http://www.sofi.com/legal/banking-rate-sheet" rel="noopener" title="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</em></p> </div> <a href="https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053&subid2=card" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank&adnetwork=BD&subid1=3696053&subid2=card" rel="noopener noreferrer nofollow" aria-disabled="true">Open Account </a> </section> </div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>SoFi offers a savings and checking account combo—so when you sign up, you automatically get a checking account, too. With the SoFi savings account, you can score a stellar interest rate and welcome bonus. </p> <p>The savings account offers up to a 4.20% APY and a <a href="https://fortune.com/recommends/banking/sofi-direct-deposit-incentive/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/sofi-direct-deposit-incentive/">$50 to $300 welcome bonus</a>, depending on the direct deposit requirements you meet. You’ll also receive a debit card, so you can easily access your cash.</p> <p>One unique perk of SoFi’s Money is its “vault” system. A customer can create up to 20 vaults with distinctions for specific savings goals, such as an emergency fund or vacation. This money is not technically in a separate account, it’s earmarked with whatever designation you give it, so it still earns the APY you receive based on your direct deposit amount. </p> <p>SoFi also has an ATM network with over 55,000 locations<sup><a href="#disclaimer-2" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #disclaimer-2">2</a></sup> and a well-rated mobile app, where you can make mobile deposits, pay bills, send money, and more.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p style="font-size:12px"><em>SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to http://www.sofi.com/legal/banking-rate-sheet" rel="noopener" title="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</em></p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from SoFi</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking</td><td>$0 minimum opening deposit<br/>No monthly fees<sup><a href="#disclaimer-3" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to #disclaimer-3">3</a></sup><br/>0.50% APY</td></tr><tr><td>Investments</td><td>Trade stocks, exchange-traded funds (ETFs), and more within the app with no commissions</td></tr><tr><td>Loans</td><td>Private student loans, student loan refinancing, personal loans, mortgage loans, auto loans, and more</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/sofi-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/sofi-bank-review/">SoFi Bank review</a></p> <h3 class="wp-block-heading" id="lendingclub">LendingClub: Best savings account for ATM access</h3> <p>LendingClub is a financial technology (fintech) company with roots that stretch back to 2007 and since then the company has grown to serve more than 4 million members. LendingClub offers a broad range of financial products and services including<a href="https://fortune.com/recommends/loans/what-is-a-personal-loan/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/loans/what-is-a-personal-loan/"> personal and business loans</a>, auto refinancing, as well as personal and business banking accounts.</p> <p>In an effort to keep costs low for consumers, LendingClub does not have any brick-and-mortar branches although customers do have access to a network of more than 20,000 surcharge-free ATMs. LendingClub offers both an online and mobile banking platform that has a three- and four-star rating, respectively, on Google Play and the App Store.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="lendingclub" class="card-title">LendingClub High-Yield Savings</h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"4.75%"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">4.75%</span></td> </tr> <tr> <td>Minimum Balance Required to Earn APY</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"$0"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">$0</span></td> </tr> <tr> <td>Minimum Opening Deposit</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"$100"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">$100</span></td> </tr> <tr> <td>Monthly Maintenance Fee</td> <td><span data-sheets-root="1" data-sheets-value="{"1":2,"2":"$0"}" data-sheets-userformat="{"2":33554688,"11":3,"28":1}" data-sheets-formula="=CONCATENATE("")">$0</span></td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at LendingClub</p> </div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-63fb0364-5948-43d7-a68d-e89a696e6e1a" role="tab" name="accordion-pannel-63fb0364-5948-43d7-a68d-e89a696e6e1a" type="radio" aria-controls="content0-63fb0364-5948-43d7-a68d-e89a696e6e1a" checked=""/> <label tabindex="0" role="button" for="control0-63fb0364-5948-43d7-a68d-e89a696e6e1a"><label tabindex="0" role="button" for="control0-[ID]"> Additional Details</label></label> <div id="content0-63fb0364-5948-43d7-a68d-e89a696e6e1a" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-63fb0364-5948-43d7-a68d-e89a696e6e1a"> If you ever need customer service help, you get in touch with customer support via phone call Monday through Saturday from 8:00 am to 8:00 pm ET. </div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>With the LendingClub savings account, you can earn a 4.75% APY with few strings attached—you’ll need to make a minimum opening deposit of $100 and then maintain a balance of at least $0 to earn the APY. </p> <p>Plus, even though it’s a savings account, you’ll receive an ATM card to access your cash when you need it. </p> <p>It also offers free unlimited external transfers, plus a well-rated app available on Android and Apple devices, where you can check your balance, move money, make mobile deposits, utilize financial tools, and more.</p> <p>As is obvious by its name, LendingClub could also be a great resource for anyone looking for a personal, auto, or business loan. It also offers programs to pay off credit cards and consolidate debt.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>LendingClub states that its savings account is tiered, meaning different balances earn different APYs. However, currently, each tier earns the same 4.75% interest.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from LendingClub</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking</td><td>$25 minimum opening deposit<br/>No monthly fees<br/>Up to 0.15% APY</td></tr><tr><td>CDs</td><td>$2,500 minimum opening deposit<br/>APYs up to 4.00%<br/>Term lengths from 6–60 months</td></tr><tr><td>Loans</td><td>Personal loans, debt consolidation loans, auto loans, patient care financing, and more</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more:</strong> Read our <a href="https://fortune.com/recommends/banking/lendingclub-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/lendingclub-review/">LendingClub review</a></p> <h3 class="wp-block-heading" id="newtek"><strong>Newtek Bank</strong>: Best savings account for those wanting a well-established name</h3> <p>Newtek Bank is a division of the company NewtekOne. Its personal banking offerings are a high-yield savings account and a money market account, and it also offers business products, including checking and a business MMA. With a focus on business solutions, business owners can have access to a digital dashboard to help them learn where money is going.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="newtek" class="card-title">Newtek Bank Personal High Yield Savings</h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>5.25%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0.01</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$0</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3696053" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-8ffadc05-4710-4299-85d8-71f16067adb2" role="tab" name="accordion-pannel-8ffadc05-4710-4299-85d8-71f16067adb2" type="radio" aria-controls="content0-8ffadc05-4710-4299-85d8-71f16067adb2" checked=""/> <label tabindex="0" role="button" for="control0-8ffadc05-4710-4299-85d8-71f16067adb2"> Additional details</label> <div id="content0-8ffadc05-4710-4299-85d8-71f16067adb2" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-8ffadc05-4710-4299-85d8-71f16067adb2"> Customers can call Newtek Bank and receive support 24/7, or they can send an email to digitalbanking@newtekone.com. </div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings&tag.sub_id=3696053" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>At Newtek Bank, you can earn a hefty 5.25% APY on your savings and enjoy no minimum deposit or monthly fees. You’ll also get to skip pesky expenses such as service charges and transaction fees. You need to keep at least a penny in the account to earn the APY. Since your Newtek savings account is fully online, you can check in on your savings easily via the online banking portal. Opening a new account is simple—all it takes is two minutes to fill out the necessary information.</p> <p>Like many savings accounts, Newtek Bank’s high-yield savings account allows for six transfers per monthly statement cycle. These withdrawals can only be transferred to the original external bank you’ve linked to the account.</p> <p>Newtek Bank’s mobile app is highly rated, with an average of 4.5 stars between Apple and Android platforms. It has options for fingerprint and face ID, keeping your account safe, and allows you to track and transfer balances on your phone. </p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>Even though there are no minimum deposit requirements, during the signup process, you’ll be required to link an external bank to fund your account. Additionally, mobile deposits on the app are only available for business accounts.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Newtek Bank</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>CDs</td><td>$2,500 opening deposit<br/>APYs up to 4.75%<br/>Term lengths ranging from 6–60 months</td></tr><tr><td>Business banking</td><td>Business checking account, MMA, bill pay, payroll, and more</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more:</strong> Read our <a href="https://fortune.com/preview/recommends/banking/newtek-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/preview/recommends/banking/newtek-bank-review/">Newtek Bank review</a></p> <h3 class="wp-block-heading" id="first-foundation">First Foundation Bank: Best savings account for in-person banking services</h3> <p>First Foundation Bank was initially founded to serve wealth advisory clients but has expanded to provide a range of banking products, including checking, savings, MMAs, and CDs. It highly prioritizes customer service.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="first-foundation-bank" class="card-title">First Foundation Bank Online Savings</h3> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.75%</td> </tr> <tr> <td>Minimum Balance Required to Earn APY</td> <td>$0.01</td> </tr> <tr> <td>Minimum Opening Deposit</td> <td>$1000</td> </tr> <tr> <td>Monthly Maintenance Fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img alt="" loading="lazy" width="300" height="191" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 191'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings&tag.subid=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings&tag.subid=3696053" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion two-pannels" role="tablist"> <input id="control1-f5b990a0-c2d1-49cc-8763-dfed4637916c" role="tab" name="accordion-pannel-f5b990a0-c2d1-49cc-8763-dfed4637916c" type="radio" aria-controls="content1-f5b990a0-c2d1-49cc-8763-dfed4637916c"/> <label id="label1-f5b990a0-c2d1-49cc-8763-dfed4637916c" tabindex="0" role="button" for="control1-f5b990a0-c2d1-49cc-8763-dfed4637916c">Additional Details</label> <div id="content1-f5b990a0-c2d1-49cc-8763-dfed4637916c" class="card-accordion-panel" role="tabpanel" aria-labelledby="label1-f5b990a0-c2d1-49cc-8763-dfed4637916c">24/7 telephone support for general inquiries, plus virtual and email support options</div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>First Foundation Bank’s Online Savings account offers a 4.75% APY and $0 in monthly fees. Interest compounds daily and is posted to the account monthly. </p> <p>It marries the best of online and mobile banking with the option for brick-and-mortar access to those in California, Florida, Nevada, Hawaii, and Texas, though the minimum deposit of $1000 may be steep for some. </p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>First Foundation Bank’s Online Savings Account can be opened by anyone in the U.S., but with its focus on in-person service and high-touch money management, customers who live close to a physical branch location may get more out of banking with First Foundation than online users.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from First Foundation Bank</h4></summary><p>Along with its Online Savings Account, First Foundation offers checking accounts, CDs, and an MMA.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking accounts</td><td>Three offerings: Personal Checking, Personal Interest Checking, and Senior Interest Checking<br/>Minimum opening deposit: $100</td></tr><tr><td>MMA</td><td>APY: 4.75%<br/>Minimum deposit to open: $1000</td></tr><tr><td>CDs</td><td>Top APY: 4.40<br/>Term lengths: 9 and 12 months<br/>Minimum deposit to open: $100</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/first-foundation-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/first-foundation-bank-review/">First Foundation Bank review</a></p> <h3 class="wp-block-heading" id="quontic">Quontic Bank: Best savings account for easy-to-reach customer service</h3> <p>Quontic began as a community bank in New York City in 2009 and is now a digital bank with product offerings nationwide, including checking and savings accounts as well as mortgages. It focuses on providing accessible home loans, but its personal banking products have competitive rates as well.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="quontic" class="card-title">Quontic Bank High Yield Savings</h3> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.00%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0.01</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$100</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=quontic-bank&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=quontic-bank&tag.sub_id=3696053" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-8d4d1469-f8cb-4824-9d27-6c8cbdebe16d" role="tab" name="accordion-pannel-8d4d1469-f8cb-4824-9d27-6c8cbdebe16d" type="radio" aria-controls="content0-8d4d1469-f8cb-4824-9d27-6c8cbdebe16d" checked=""/> <label tabindex="0" role="button" for="control0-8d4d1469-f8cb-4824-9d27-6c8cbdebe16d"> Additional details</label> <div id="content0-8d4d1469-f8cb-4824-9d27-6c8cbdebe16d" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-8d4d1469-f8cb-4824-9d27-6c8cbdebe16d"> Quontic began as a community bank in New York City in 2009 and is now a digital bank with product offerings nationwide including checking and savings accounts as well as mortgages. </div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=quontic-bank&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=quontic-bank&tag.sub_id=3696053" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>To open a Quontic high-yield savings account, you’ll only need $100. After that, you get a solid 4.00% APY without paying any monthly maintenance fees. Users can request an ATM card for the account, making your money accessible at over 90,000 fee-free ATM locations. Additionally, there are never any overdraft fees. </p> <p>Quontic compounds interest daily based on your posted account balance, getting you more for your money, and credited to your account at the end of your statement cycle each month. Quontic also claims that you can apply for the account in three minutes or less. It also offers 100% United States-based customer service that can be reached by chat or phone. </p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>There are a few rare fees to be aware of:</p> <ul><li><strong>Dormant account (per month):</strong> $5</li> <li><strong>Return deposited item:</strong> $10</li> <li><strong>Stop payment:</strong> $20</li> <li><strong>Wire transfer outgoing foreign (customers):</strong> $35 plus correspondent</li> <li><strong>Wire transfer outgoing domestic (customers):</strong> $25 plus correspondent</li></ul> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Quontic Bank</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking account</td><td>$100 minimum opening deposit<br/>No monthly fees<br/>Up to 1.10% APY<br/>ATM network with over 90,000 locations</td></tr><tr><td>MMA</td><td>$100 opening deposit<br/>4.75% APY<br/>Comes with a debit card<br/>No transaction limits</td></tr><tr><td>CDs</td><td>$500 minimum opening deposit<br/>Up to 4.25% APY<br/>Five term lengths, from 6–60 months</td></tr><tr><td>Loans</td><td>Mortgage loans, mortgage refinancing, and HELOCs</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/quontic-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/quontic-bank-review/">Quontic Bank review</a></p> <h3 class="wp-block-heading" id="evergreen">Evergreen Bank: Best savings account for new savers</h3> <p>Founded in 2006, Evergreen Bank Group is an Illinois-based bank with personal and business banking products such as checking and savings accounts and loans.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="evergreen" class="card-title"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" rel="nofollow noopener noreferrer" aria-disabled="true">Evergreen Bank Group High-Yield Online Savings</a></h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.50%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$100</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion one-pannels" role="tablist"> <input id="control0-18696b23-6ef2-49a2-883a-d0e4ce19bf50" role="tab" name="accordion-pannel-18696b23-6ef2-49a2-883a-d0e4ce19bf50" type="radio" aria-controls="content0-18696b23-6ef2-49a2-883a-d0e4ce19bf50" checked=""/> <label id="label0-18696b23-6ef2-49a2-883a-d0e4ce19bf50" tabindex="0" role="button" for="control0-18696b23-6ef2-49a2-883a-d0e4ce19bf50"> Additional details </label> <div id="content0-18696b23-6ef2-49a2-883a-d0e4ce19bf50" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-18696b23-6ef2-49a2-883a-d0e4ce19bf50">Evergreen Bank can be reached by phone or email. Its website states it will respond within one business day. <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings&tag.sub_id=3696053" rel="noopener noreferrer nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Evergreen Bank offers a generous 4.50% APY on its high-yield savings account, with a minimum deposit requirement of $100. With no monthly fees and no minimum required to earn the APY, this account could be a great option for new savers looking to grow their funds long-term. Interest is compounded daily and credited to your account monthly.</p> <p>With a mobile app that is rated over four stars on the Google Play Store and the Apple App Store, you can make mobile check deposits, view e-statements, and transfer money internally and from external accounts.</p> <p>As a full-service online bank, Evergreen offers a wide range of deposit accounts, including rewards and cash-back checking, a variety of savings accounts for different purposes (such as a kids account and a Christmas Club account), a money market account, CDs, and loans. </p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>You can fund your account through a debit card or an ACH transfer. Those with large deposit amounts will want to consider that the APY can only be earned on accounts with a million dollars or less. Also, dormant accounts will have a monthly $5 fee if they go unused for 18 months.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Evergreen Bank</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking accounts</td><td>Up to 4.00% APY<br/>$100 minimum opening deposit<br/>Some accounts offer unlimited ATM reimbursement</td></tr><tr><td>MMA</td><td>$2,500 minimum opening deposit<br/>$15 monthly fee, waived if ADB is $2,500 or more<br/>Up to 0.50% APY</td></tr><tr><td>CDs</td><td>$500 minimum opening deposit<br/>Up to -% APY on the 6-month CD</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/evergreen-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/evergreen-bank-review/">Evergreen Bank review</a></p> <h3 class="wp-block-heading" id="laurel">Laurel Road: Best savings account for savings plus loans</h3> <p>Laurel Road is an online-only bank, offering products such as student loan refinancing, checking and savings accounts, personal loans, and more. It became part of Key Bank in 2019, one of the nation’s largest financial institutions. Its focus is on loans, specifically student loan refinancing, but it also has competitive rates on its checking and savings accounts.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h4 id="laurel" class="card-title">Laurel Road High Yield Savings</h4> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>4.50%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$0</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png?w=1440&q=75"/></div> <div class="card-area-3"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings&tag.sub_id=3696053" rel="noopener noreferrer nofollow" aria-disabled="true">Learn more </a></div> <div class="card-area-4"><section class="card-accordion one-pannels" role="tablist"> <input id="control0-9f7d3c8f-9c82-425a-ad5d-ab20e5b4b688" role="tab" name="accordion-pannel-9f7d3c8f-9c82-425a-ad5d-ab20e5b4b688" type="radio" aria-controls="content0-9f7d3c8f-9c82-425a-ad5d-ab20e5b4b688" checked=""/> <label id="label0-9f7d3c8f-9c82-425a-ad5d-ab20e5b4b688" tabindex="0" role="button" for="control0-9f7d3c8f-9c82-425a-ad5d-ab20e5b4b688"> Additional details </label> <div id="content0-9f7d3c8f-9c82-425a-ad5d-ab20e5b4b688" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-9f7d3c8f-9c82-425a-ad5d-ab20e5b4b688">Laurel Road is an online division of KeyBank, offering products such as student loan refinancing, checking and savings accounts, personal loans, and more.</div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings&tag.sub_id=3696053" rel="noopener noreferrer nofollow" aria-disabled="true">Learn more </a> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Laurel Road’s bread and butter is student loan refinancing, and it offers several account perks designed specifically for those who maintain student loans with it. Additionally, its high-yield savings accounts with rates up to 4.50% make it an attractive option for those who are only looking for a place to park a chunk of change.</p> <p>With no fees and no minimum opening deposit, it’s incredibly simple to get started with a Laurel Road savings account. You can send a transfer from an external bank account, set up a domestic wire transfer, do a direct deposit or mobile deposit, or even mail in a check to fund your account. </p> <p>In addition to its high-yield savings account, Laurel Road offers a linked savings account, where you can get an extra .25% off your refinance rate when you refinance your student loans along with opening the account.</p> <p>If you ever have an issue, Laurel Road can be reached by phone (the general inquiry line is open from 8 a.m. to 8 p.m. Eastern time), email, or live chat. </p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>Laurel Road says its high-yield savings account is tiered, but all current tiers offer a 4.50% APY.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Laurel Road</h4></summary><div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking account</td><td>$100 account opening bonus<br/>$0 minimum opening deposit<br/>No monthly fees<br/>APY up to 0.01%</td></tr><tr><td>Loans</td><td>Student loans, personal loans, mortgages, and more</td></tr><tr><td>Credit cards</td><td>Get 2% cash back toward student loans and 1% on all other purchases with the Laurel Road Student Loan Cashback Card</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more:</strong> Read our <a href="https://fortune.com/recommends/banking/laurel-road-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/laurel-road-review/">Laurel Road review</a></p> <h3 class="wp-block-heading" id="customers">Customers Bank: Best savings account for a low minimum deposit</h3> <p>Customers Bank has physical locations in Colorado, Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania Rhode Island and Texas, and it also offers online banking products, including checking and savings accounts, CDs, and personal loans. Small business and commercial banking products are available as well.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="customers" class="card-title">Customers Bank High Yield Savings</h3> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>3.55%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$1</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png?w=1440&q=75"/></div> <div class="card-area-3"> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank&tag.sub_id=3696053" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-ad060269-39b5-4b33-af76-7ec0b97f8c5c" role="tab" name="accordion-pannel-ad060269-39b5-4b33-af76-7ec0b97f8c5c" type="radio" aria-controls="content0-ad060269-39b5-4b33-af76-7ec0b97f8c5c" checked=""/> <label tabindex="0" role="button" for="control0-ad060269-39b5-4b33-af76-7ec0b97f8c5c"> Additional details</label> <div id="content0-ad060269-39b5-4b33-af76-7ec0b97f8c5c" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-ad060269-39b5-4b33-af76-7ec0b97f8c5c"> Customer service is available by phone seven days a week from 9 a.m. to 6 p.m. ET </div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank&tag.sub_id=3696053" rel="noopener nofollow" aria-disabled="true">View offer</a> <p class="cta-caption">at MoneyLion</p> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Customers Bank offers a 3.55% APY, and you can open an account with only $1. Charity is a huge part of Customers Bank’s mission, so a portion of its earnings go toward funding affordable housing, family services, and education. </p> <p>Through Raisin, users can have 24/7 access to their funds and a streamlined digital platform for all their banking needs.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>This savings account is only accessible through the third-party banking platform, Raisin. Customer Bank’s Personal Savings account on its website requires a $25,000 minimum opening deposit.</p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Customers Bank</h4></summary><p>While the only product available on Raisin is the High-Yield Savings account, Customers Bank also offers a checking account, CDs, and personal loans and mortgages.</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Interest Checking account</td><td>APY: Up to 2.00%<br/>Minimum opening deposit: $0<br/>Monthly fees: $0</td></tr><tr><td>CDs</td><td>Minimum deposit to open: $500<br/>Term lengths: 24–60 months<br/>Top APY: 4.35%</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/banking/customers-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/customers-bank-review/">Customers Bank review</a></p> <h3 class="wp-block-heading" id="forbright">Forbright Bank: Best savings account for climate conscious banking</h3> <p>Forbright Bank is a climate-conscious bank offering online deposit products, including personal savings and CDs, loans, and business banking. </p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="forbright" class="card-title">Forbright Bank Growth Savings</h3> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>5.00%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0.01</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$0</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-image card-area-2"><img loading="lazy" width="1024" height="683" decoding="async" data-nimg="1" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1024 683'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png?w=1440&q=75"/></div> <div class="card-area-3"></div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-54a79d2d-8511-46a2-8bca-e878eb0bee2f" role="tab" name="accordion-pannel-54a79d2d-8511-46a2-8bca-e878eb0bee2f" type="radio" aria-controls="content0-54a79d2d-8511-46a2-8bca-e878eb0bee2f" checked=""/> <label tabindex="0" role="button" for="control0-54a79d2d-8511-46a2-8bca-e878eb0bee2f"> Additional details</label> <div id="content0-54a79d2d-8511-46a2-8bca-e878eb0bee2f" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-54a79d2d-8511-46a2-8bca-e878eb0bee2f"> Customer service is available by phone Monday through Friday from 8 am to 8 pm, ET. </div> </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>Forbright Bank’s Growth Savings account offers a generous 5.00% APY, no minimum deposit to open, and no monthly fee. Customers can sign up quickly online, and the digital platform on both desktop and mobile is sleek and simple to navigate. </p> <p>Forbright Bank’s mission is to provide top-tier banking products while maintaining its values as a sustainably-minded institution. Customers can rest easy knowing their money isn’t being used to fund any fossil fuel extraction or infrastructure, and instead helps climate-conscious projects such as solar instillation, green building upgrades, and accessible healthcare. </p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>Forbright Bank does not offer a personal checking account, so if you’re determined to do all your banking at one institution you’ll have to look elsewhere. Additionally, this account doesn’t come with a debit card or ATM capabilities. </p> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Forbright Bank</h4></summary><p>In addition to its Growth Savings account, Forbright Bank offers CDs in a few different term lengths:</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>CDs</td><td>Minimum deposit to open: $25<br/>Term lengths: 9–60 months<br/>Top APY: 4.25<br/></td></tr></tbody></table></figure></div></div></details> <h3 class="wp-block-heading" id="ally">Ally Bank: Best savings account for online banking</h3> <p>Ally Bank is an online-only bank that offers a wide range of products and services like checking and savings accounts, credit cards, personal loans, and robo-advisors.</p> <div class="product-card-inline-wrapper"> <div class="card-area-1"> <h3 id="ally" class="card-title">Ally Bank Savings Account</h3> <section class="card-description"> <table> <tbody> <tr> <td>APY</td> <td>3.85%</td> </tr> <tr> <td>Minimum balance required to earn APY</td> <td>$0</td> </tr> <tr> <td>Minimum opening deposit</td> <td>$0</td> </tr> <tr> <td>Monthly maintenance fee</td> <td>$0</td> </tr> </tbody> </table> </section></div> <div class="card-area-3"><a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-desktop redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally&tag.sub_id=3696053" rel="noopener nofollow" aria-disabled="true">View offer</a></div> <div class="card-area-3">at MoneyLion</div> <div class="card-area-4"><section class="card-accordion one-pannel" role="tablist"> <input id="control0-9405a36c-51d3-4cab-a2f3-c64cdee86af2" role="tab" name="accordion-pannel-9405a36c-51d3-4cab-a2f3-c64cdee86af2" type="radio" aria-controls="content0-9405a36c-51d3-4cab-a2f3-c64cdee86af2" checked=""/> <label tabindex="0" role="button" for="control0-9405a36c-51d3-4cab-a2f3-c64cdee86af2"> Additional details</label> <div id="content0-9405a36c-51d3-4cab-a2f3-c64cdee86af2" class="card-accordion-panel" role="tabpanel" aria-labelledby="label0-9405a36c-51d3-4cab-a2f3-c64cdee86af2"> Phone support is available Monday through Friday from 8 am - 11 pm ET and Saturday, 9 am - 7 pm ET. </div> <a href="https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally&tag.sub_id=3696053" target="_blank" class="sc-93594058-0 fowfrQ button-mobile redirect" aria-label="Go to https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally&tag.sub_id=3696053" rel="noopener nofollow" aria-disabled="true">View offer</a> at MoneyLion </section></div> </div> <h4 class="wp-block-heading">Why we picked it</h4> <p>With no minimum opening deposit requirement or monthly maintenance fees, the Ally savings account is a low-cost, accessible high-yield savings account that offers a stellar 3.85%% APY. </p> <p>It’s a great option for those who are new to saving. The savings account offers a host of personal finance tools, such as savings buckets that allow you to allocate money towards specific goals. Plus, if you have a linked checking account, you may be eligible for the round-up feature which rounds up transactions from your checking account and then deposits them in your savings account.</p> <h4 class="wp-block-heading">What to consider before opening</h4> <p>Right now, Ally Bank offers its 3.85%% APY on all balance tiers, but it is possible this structure could change in the future. Current tiers are as follows:</p> <ul><li>Less than $5,000</li> <li>Between $5,000 and $24,999.99</li> <li>$25,000 or more</li></ul> <details class="wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow"><summary><h4>More rates and products from Ally Bank</h4></summary><p>Ally offers a full suite of personal banking products:</p> <div class="wp-block-group simple-table-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading"></h3> <figure class="wp-block-table"><table><tbody><tr><td>Checking</td><td>Up to 0.25% APY<br/>$0 minimum opening deposit<br/>Get paid up to two days early</td></tr><tr><td>Money market account</td><td>$0 minimum opening deposit<br/>No monthly fee<br/>3.85% APY</td></tr><tr><td>CDs</td><td>$0 minimum opening deposit<br/>Up to 4.30% APY on the 9-month CD</td></tr></tbody></table></figure></div></div></details> <p><strong>Learn more: </strong>Read our <a href="https://fortune.com/recommends/article/ally-bank-review/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/article/ally-bank-review/">Ally Bank review</a></p> <div class="myFinance-widget" data-ad-id="5c6ba399-d32f-4e30-9722-8373c50873c3" data-campaign="fortune-savings-multi" data-sub-id="sav-multi-bank"></div> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Insight from Kristy Snyder, Fortune contributor</h3> <p>"If you're afraid to dabble in investments, opening a savings account with a high annual percentage yield (APY) is almost as good in today's market. It's easy to find a savings account with over 5% interest, which might not be as high as stock market returns but, with no risk involved, you can't beat it."</p></div></div> <h2 class="wp-block-heading" id="top-accounts"><strong>Top high-yield savings accounts in November 2024</strong></h2> <p>While we evaluated the above institutions based on multiple criteria, the earnings potential of a savings account is often the key factor of concern. Below are some of the highest-yield savings accounts based on APY. Each account is backed by the <a href="https://fortune.com/recommends/banking/what-is-fdic-insurance/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-fdic-insurance/">FDIC</a> and insured up to $250,000 per depositor, per account, giving you peace of mind that your savings are protected no matter what.</p> <p><strong><em>Note: </em></strong><em>APYs in our list below are updated daily but are subject to change.</em></p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-o8Q1B" frameBorder="0" height="461" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/o8Q1B/6/" style="border:none" title="Best high-yield savings accounts of October 2024*" width="100%"></iframe></div></figure> <h2 class="wp-block-heading" id="news">Recent news that could impact your savings account interest rates</h2> <p>The Federal Reserve meets regularly to decide whether to raise or lower the <a href="https://fortune.com/recommends/banking/how-fed-rates-impact-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/how-fed-rates-impact-savings-accounts/">federal funds rate</a>, which was just lowered from 5.25%–5.5% down to 4.75%–5.25% at the September 18 meeting. When the Fed rate is higher, borrowing money costs more, meaning taking out a loan and carrying credit card debt will be more expensive. However, high interest rates mean that banks offer better rates on savings products, including high-yield savings accounts and CDs. </p> <p>Now is a good time to put money into high-yield accounts, especially if they have fixed rates, as rates are likely to continue to drop.</p> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Market insight</h3> <p>"On September 18, 2024, the Fed dropped its interest rate by 0.50 basis points, and further drops are expected as inflation reaches target numbers. That’s likely to bring down savings rates, so you can expect to see a lower return on high-yield savings accounts in the coming months and years." - <em>Dana Miranda, CEPF® and personal finance journalist</em></p></div></div> <h2 class="wp-block-heading" id="definition">What is a savings account?</h2> <p>A savings account is a type of deposit account offered by banks, credit unions, and other types of financial institutions. Savings accounts allow you to keep your money on deposit in exchange for earning interest. The exact interest rate will depend on the financial institution and can range from 0.01% to upwards of 5%. </p> <p>Savings accounts are also a fairly liquid type of account, which means you can access your money just about as often as you want. Some banks may limit the number of withdrawals you can make in a month (typically, it’s six transactions per month), but you’re still able to exceed any withdrawal cap in place—you’ll just need to pay a fee on each additional transaction.</p> <p>Finally, savings accounts are considered one of the safest places to keep your money because unlike market investments, there is no risk to your principal deposit. Plus, your money is insured up to $250,000 per depositor, per institution, as long as your bank is backed by the FDIC (or the NCUA for credit unions).</p> <p>Finally, savings accounts are considered one of the safest places to keep your money because, unlike market investments, there is no risk to your principal deposit. Plus, your money is insured up to $250,000 per depositor, per institution as long as your bank is backed by the FDIC or the National Credit Union Administration (NCUA) for credit unions.</p> <h2 class="wp-block-heading" id="pros-and-cons">What are the pros and cons of high-yield savings accounts?</h2> <p><style>N/A</style></p><div class="pros_cons"><div><h3>Pros</h3><ul><li>Liquid</li><li>Insured by the government up to $250,000</li><li>Principal and interest are protected from loss</li></ul></div><div><h3>Cons</h3><ul><li>APY can decrease</li><li>Returns can’t compete with stock market investments</li><li>There could be a cap on monthly withdrawals</li></ul></div></div> <p>Before you open a savings account, it’s important to consider the pros and cons of putting your money in one.</p> <p>Of course, one of the biggest benefits of a savings account is that you can earn interest on your balance. The exact interest rate you receive may be higher or lower than the national average of 0.47% APY, but many of the high-yield accounts on our list have rates above 5.00%.</p> <p>You can also rest assured that your money is safe in a savings account. Unlike some types of investments, a savings account will never allow you to lose money. Plus, most high-yield accounts are insured by the FDIC or <a href="https://fortune.com/recommends/banking/what-is-ncua-insurance/?showAdminBar=true" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-ncua-insurance/?showAdminBar=true">NCUA</a> up to $250,000 per depositor, per institution in the event of a <a href="https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/">bank failure</a>.</p> <p>That said, there are some downsides to keeping your money in a savings account. For one, even high-yield savings accounts don’t offer the same level of earnings as investing your money in the market. However, all savings accounts are sensitive to market fluctuations, and the APY can go up or down at the discretion of your bank. </p> <p>You may also be limited in how many monthly withdrawals you can make. Your financial institution might charge a fee for each additional transaction over the limit.</p> <h2 class="wp-block-heading" id="fees">Savings account fees and requirements</h2> <p>If you plan to open a new savings account, it’s important to review the fees associated with the account and any requirements that need to be met to avoid fees. These may include:</p> <ul><li><strong>Monthly fees:</strong> Some financial institutions charge a monthly fee that’s meant to cover the administrative costs of providing a savings account. However, this fee can easily wipe out any interest you earn. The good news is that monthly maintenance fees can often be waived if you meet certain requirements, such as linking a checking account or maintaining a minimum balance in the savings account. Better yet, many banks and credit unions offer savings accounts with no monthly fees at all. So, when shopping around for a high-yield savings account, look for one that makes it easy to avoid fees.</li> <li><strong>Minimum deposit requirements: </strong>The minimum deposit required to open a savings account and/or earn the specified interest rate varies widely. Some banks and credit unions offer savings accounts with no minimum deposit requirement, allowing customers to open an account with any amount—even just a few dollars. Other institutions might require a minimum deposit ranging from $25 to $100 or even more. (It’s more common for premium or specialty savings accounts to come with higher minimum deposit requirements.) It’s always a good idea to check with the specific financial institution regarding their minimum deposit requirements before opening an account.</li></ul> <h2 class="wp-block-heading" id="how-it-works">How do savings account interest rates work?</h2> <p>Financial institutions set their savings account rates loosely based on the <a href="https://fortune.com/recommends/article/what-is-the-federal-funds-rate/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/article/what-is-the-federal-funds-rate/">federal funds rate</a>. This is the interest rate that banks charge other banks to lend money overnight. When the <a href="https://fortune.com/recommends/banking/the-fed-just-raised-rates-again/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-fed-just-raised-rates-again/">Fed raises its rates</a>, this can increase the cost of borrowing and push banks to raise their APYs to attract new customers. </p> <p>The interest rate on a savings account is typically variable, meaning it can fluctuate over time. These rate changes are influenced by several factors, including monetary policy set by the Federal Reserve, general economic conditions, and competition among banks. It's a good practice to periodically check the interest rates of your savings accounts and compare them with rates offered by other institutions to ensure you’re maximizing your earnings.</p> <h3 class="wp-block-heading"><strong>What is considered a high-yield savings account rate?</strong></h3> <p>The national average savings account rate is 0.47%, so a rate above that benchmark would be considered above average. However, many banks offer <a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-high-yield-savings-accounts/">high-yield savings accounts</a> with as much as 4% to 5% APY. It pays to shop around to find the highest rates available if you’re looking for a new account.</p> <h3 class="wp-block-heading"><strong>Interest rate vs. APY: what’s the difference?</strong></h3> <p>The interest rate on a savings account is essentially the base rate. The APY provides a more comprehensive view of your earnings by factoring in the effects of compounding and calculates how much you'll earn over the course of a year.</p> <h3 class="wp-block-heading"><strong>What is 5% APY on $1,000?</strong></h3> <p>To determine how much $1,000 will make in a savings account, you need to know the APY of the account and the length of time you plan to keep the money deposited. Additionally, the frequency of interest compounding (daily, monthly, or annually) can impact your final amount.</p> <p>For example, if you deposited $1,000 into a high-yield savings account that earns 5% APY and compounds annually<strong>, </strong>you’d have a total balance of about $1,050 at the end of one year (assuming you don’t make any more contributions). If the interest compounds daily, you’d have a bit more.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Grouped Columns" id="datawrapper-chart-FQSxX" frameBorder="0" height="515" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/FQSxX/6/" style="border:none" title="How much you could make if you deposit $1,000 into a savings account with a 5.00% APY" width="100%"></iframe> </div></figure> <h3 class="wp-block-heading"><strong>What is 5% APY on $10,000</strong>?</h3> <p>If you deposited $10,000 into a savings account that earns 5% APY and compounds annually<strong>, </strong>you’d have a total balance of a little over $10,500 at the end of one year (assuming you don’t make any more contributions). If the interest compounds daily, you’d have $10,512.67.</p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Grouped Columns" id="datawrapper-chart-cxwLj" frameBorder="0" height="324" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/cxwLj/4/" style="border:none" title="How much you could make if you deposit $10,000 into a savings account with a 5.00% APY" width="100%"></iframe></div></figure> <h2 class="wp-block-heading" id="how-to-choose">How to choose the best savings account for you</h2> <p>Choosing the right savings account requires careful consideration of your financial needs, preferences, and goals. Here are a few considerations to keep in mind as you shop around.</p> <ul><li><strong>Interest rates</strong>: One of the most important features of a savings account to evaluate is the interest rate or APY. This dictates how much your money can earn; the higher the rate, the more your money can grow over time. Start by reviewing the national <a href="https://www.fdic.gov/resources/bankers/national-rates/index.html" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://www.fdic.gov/resources/bankers/national-rates/index.html" rel="noopener">average rates</a> for savings accounts, which are regularly updated by the FDIC. Then look for a high-yield savings account that offers a rate at least 10 times that average. </li> <li><strong>Balance requirements: </strong>Some accounts require a minimum balance to avoid fees or to earn the advertised APY. Ensure you're comfortable with any minimum balance requirements. Better yet, look for an account that doesn’t have any minimums, especially if you’re just getting started with saving and don’t have a large balance built up yet. </li> <li><strong>Fees: </strong>Be wary of monthly maintenance <a href="https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/">fees</a>, excessive withdrawal fees, and other charges that could eat into your interest earnings. Some accounts may waive fees if you maintain a minimum balance or meet other criteria while others don’t charge these types of fees at all. Decide what types of fees you’re comfortable with and whether the perks of the account outweigh the potential costs.</li> <li><strong>Account access: </strong>Many savings accounts are provided by online banks, which means you may not have physical branch access. If that’s the case, be sure the account offers access in other ways, such as via a large ATM network. Alternatively, you might prefer a financial institution that offers face-to-face support. </li> <li><strong>Digital tools: </strong>If you prefer the convenience of digital banking, be sure the account you choose is offered by a bank with robust online features and tools, such as a user-friendly mobile app, free and fast online transfers, digital deposits, and other tech-friendly options.</li> <li><strong>Customer service: </strong>Finally, it’s important to consider how you’ll get in touch with a representative if you have a question or need help with your account. Some financial institutions take a hands-off approach and don’t offer easy access to a real human. Others are just a phone call or email away. Make sure the bank’s customer service options are aligned with your preferred method of communication. </li></ul> <h2 class="wp-block-heading">Savings account rates at popular national banks</h2> <p>While the absolute best APYs can generally be found at online banks and other institutions with lower overhead costs, many consumers prefer the ease and comfort of a large bank. </p> <p>Here are the APYs and minimum opening deposit requirements for several popular banks and credit unions:</p> <div class="sc-7f95e2e5-0 gjfgNu"><table class="sc-7f95e2e5-1 sc-7f95e2e5-2 ffjStY jyzPUY"><thead><tr><th scope="col">Institution</th><th scope="col"><strong>APY</strong></th><th scope="col"><strong>Minimum opening deposit</strong></th></tr></thead><tbody><tr><th scope="row">American Express</th><td class="">4.00%</td><td class="last-cell">$0</td></tr><tr><th scope="row">Alliant Credit Union</th><td class="">3.10%</td><td class="last-cell">$5</td></tr><tr><th scope="row">Capital One</th><td class="">3.90%</td><td class="last-cell">$0</td></tr><tr><th scope="row">Chase</th><td class="">0.01%</td><td class="last-cell">$0</td></tr><tr><th scope="row">Everbank</th><td class="">4.75%</td><td class="last-cell">$0</td></tr><tr><th scope="row">Discover</th><td class="">3.90%</td><td class="last-cell">$0</td></tr><tr><th scope="row">Marcus by Goldman Sachs</th><td class="">4.10%</td><td class="last-cell">$0</td></tr><tr><th scope="row">Ally Bank</th><td class="">3.85%</td><td class="last-cell">$0</td></tr><tr><th scope="row">Evergreen Bank</th><td class="">4.50%</td><td class="last-cell">$100</td></tr><tr><th scope="row">Bank of America</th><td class="">0.01%</td><td class="last-cell">$100</td></tr><tr><th scope="row">Barclays</th><td class="">4.10%</td><td class="last-cell">$0</td></tr></tbody></table><table class="sc-7f95e2e5-1 sc-7f95e2e5-3 ffjStY cbifJr"><thead><tr><th colSpan="3"><em>*Rates are updated weekly and are subject to change</em></th></tr></thead><tbody><tr><th>American Express</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>4.00%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$0</td></tr><tr><th>Alliant Credit Union</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>3.10%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$5</td></tr><tr><th>Capital One</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>3.90%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$0</td></tr><tr><th>Chase</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>0.01%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$0</td></tr><tr><th>Everbank</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>4.75%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$0</td></tr><tr><th>Discover</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>3.90%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$0</td></tr><tr><th>Marcus by Goldman Sachs</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>4.10%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$0</td></tr><tr><th>Ally Bank</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>3.85%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$0</td></tr><tr><th>Evergreen Bank</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>4.50%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$100</td></tr><tr><th>Bank of America</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>0.01%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$100</td></tr><tr><th>Barclays</th><th class="last-cell"></th></tr><tr><th class="header" scope="row"><strong>APY</strong></th><td>4.10%</td></tr><tr><th class="header" scope="row"><strong>Minimum opening deposit</strong></th><td>$0</td></tr></tbody></table></div> <h2 class="wp-block-heading" id="alternatives">Alternatives to savings accounts</h2> <p>A savings account is an important tool that just about anyone should have as part of their larger financial plan. However, it isn't always the best place to put your money. There are other types of deposit accounts to consider as well:</p> <h3 class="wp-block-heading">Traditional savings account vs. high-yield savings</h3> <p>A <a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-high-yield-savings-accounts/">high-yield savings account</a> isn’t that much different from a <a href="https://fortune.com/recommends/banking/traditional-savings-account/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/traditional-savings-account/">traditional savings account</a>. Both are deposit accounts offered by financial institutions that allow you to set aside money and earn interest on the balance. The primary difference is that a high-yield savings account offers a much higher APY on your funds than a typical savings account. Through the power of <a href="https://fortune.com/recommends/banking/what-is-compound-interest/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-compound-interest/">compound interest</a>, you’ll earn interest on the principal balance and any interest you earned previously. That means you’ll essentially earn interest on your interest, allowing your savings to grow that much faster.</p> <h3 class="wp-block-heading">Savings account vs. checking account</h3> <p>A savings account is designed for storing money over a longer period and earning interest, which encourages saving. It may have limitations on the number of withdrawals or transfers per month. A checking account, on the other hand, is intended for managing daily transactions and offers more accessibility. It usually provides a debit card and check-writing capabilities and often has no limits on the number of transactions. However, checking accounts generally offer lower or no interest compared to savings accounts.</p> <h3 class="wp-block-heading">Savings account vs. certificates of deposit (CDs)</h3> <p><a href="https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/">Savings accounts and CDs</a> are both savings vehicles that offer interest on your deposits. However, while savings accounts provide relatively easy access to funds with a variable interest rate, CDs lock in your money for a specified term (from a few months to several years) at a (usually) higher, fixed interest rate. Withdrawing funds from a CD before its maturity date typically incurs a penalty, which can reduce the earned interest. </p> <p>On the other hand, savings accounts may have limits on the number of monthly withdrawals, but offer more liquidity than CDs. When choosing between the two, it’s crucial to weigh the importance of access to funds against potentially higher fixed returns with CDs.</p> <h3 class="wp-block-heading">Savings account vs. MMAs</h3> <p>Savings accounts work similarly to to <a href="https://fortune.com/recommends/banking/the-best-money-market-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-money-market-accounts/">MMAs</a> in that you’ll earn interest on your balance and can easily access your funds. While savings accounts focus primarily on providing a safe, liquid place to store cash, MMAs often combine the features of both savings and checking accounts, providing higher interest earnings and more flexible access to funds, such as through checks or debit cards. However, MMAs might require higher minimum balances to avoid fees or to earn the advertised rate. </p> <p>Overall, a savings account would be the best choice in situations where you prioritize earning some interest on your money while maintaining relatively easy access to the funds, without exposing the principal to market risk.</p> <h2 class="wp-block-heading" id="how-to-open">How to open a high-yield savings account</h2> <p>When you’re ready to open an account, you’ll follow these general steps:</p> <ol><li><strong>Research financial institutions</strong>: It’s important to do some research ahead of time to compare interest rates, fees, features, and customer reviews among various financial institutions. Decide whether you’re comfortable with an online-only bank or prefer a bank or credit union with physical branches.</li> <li><strong>Check the requirements</strong>: Find out if you need a minimum deposit to open an account or if you’re expected to maintain a minimum balance to avoid fees. Be sure you understand the terms of the account fully.</li> <li><strong>Visit the bank or apply online</strong>: Whether online or in-person, you'll need to contact the financial institution for an application and be prepared to share the details mentioned below. Online applications often allow you to save and return if needed.</li> <li><strong>Fill out the application</strong>: You will need to provide some personal information, including your Social Security number or individual taxpayer identification number (TIN), a valid ID (such as a passport or driver’s license), and contact information.</li> <li><strong>Deposit funds</strong>: When your application gets approved, all that’s left is to deposit your funds into the account and start earning. </li></ol> <h2 class="wp-block-heading" id="methodology">Our methodology </h2> <p>To narrow down our top picks for the best high-yield savings accounts, the Fortune Recommends<sup><font size="1">TM</font></sup> team evaluated more than 60 online savings accounts from a variety of traditional brick-and-mortar banks, online banks, and credit unions. </p> <p>All the accounts on our list are available to customers in the U.S. no matter where you’re located, subject to the terms of each account. The savings accounts on this list offer an APY at least 10 times the national average. </p> <p>We ranked each account in these core categories: </p> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="pies-title" id="datawrapper-chart-67zu8" frameBorder="0" height="465" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/67zu8/1/" style="border:none" title="Best savings accounts: Our methodology" width="100%"></iframe></div></figure> <ul><li><strong>APY (40%): </strong>This number represents the real rate of return on your balance; the higher the APY, the better. </li> <li><strong>Monthly fees (10%): </strong>Some banks charge monthly maintenance fees. We ranked banks with lower (or zero) monthly fees higher on the list. </li> <li><strong>Minimum amount to earn APY (10%): </strong>To earn the high APY, some banks require that you maintain a certain dollar amount in the account, which we view as a limiting factor. </li> <li><strong>Minimum opening deposit (15%):</strong> Some financial institutions require a deposit amount when you open your account. We rate a higher opening deposit as less attractive. </li> <li><strong>Customer support (5%): </strong>Top picks offer customers various ways to get in contact: chat support, by phone, or even email—phone support was weighted more heavily. </li> <li><b>Budgeting and money management tools (5%):</b> Some banks offer digital tools that make it easier for customers to track their spending and savings.</li> <li><strong>ATM or debit card (5%): </strong>While high-yield savings accounts are meant for long-term saving, some banks provide an ATM or debit card so you can easily spend the funds in your account.</li> <li><strong>Mobile app rating (5%): </strong>Most banks have a mobile app you can use to manage your account. We looked at banks’ mobile app ratings in the Apple Store.</li> <li><strong>Security features (5%): </strong>When we evaluated banks, we checked if they offered features, such as website encryption, multi-factor authentication (MFA), and fraud protection to ensure that customers’ financial and personal information is kept safe.</li></ul> <p>The rates and fee structures for the accounts mentioned are available for limited periods, and APYs are subject to fluctuation, which could impact how much interest you earn. All the bank accounts and credit unions on this list are insured by the FDIC and NCUA, respectively. To open an account, financial institutions, including banks and credit unions, require a deposit of new money, so you may not be able to transfer money you already had in an account at that bank. </p> <p><strong>Dig deeper:</strong> learn more about our <a href="https://fortune.com/fortune-recommends-banking-methodology/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/fortune-recommends-banking-methodology/">banking methodology</a>.</p> <h2 class="wp-block-heading" id="FAQs">Frequently asked questions</h2> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3><strong>Are savings accounts liquid?</strong></h3></summary><p>In general, saving accounts are highly liquid accounts, meaning it's fast and easy to access your funds when needed. Federal law used to dictate that account holders could transfer funds out of their accounts up to six times per month. However, this rule was paused in 2020 and you can now make an unlimited number of transfers and withdrawals from savings accounts in many cases. However, some financial institutions still limit the number of withdrawals allowed per month and may impose a fee for excessive transactions.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3><strong>Are savings accounts safe?</strong></h3></summary><p>Savings accounts are generally safe, especially when they are held at banks that are insured by the FDIC or at credit unions insured by the NCUA. Both entities insure deposits up to $250,000 per depositor, per institution, for each account ownership category. </p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3><strong>Do I have to pay taxes on money in a savings account?</strong></h3></summary><p>The interest you earn in a savings account is usually subject to income tax. If you earn $10 or more in interest from a savings account in a year, the bank or financial institution will send you a Form 1099-INT, which reports the amount of interest you earned. Even if you don't receive a Form 1099-INT (e.g., if you earned less than $10), you're still generally required to report and pay tax on any interest income.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3><strong>Is it worth putting money in a savings account?</strong></h3></summary><p>If your goal is to keep cash safe for short-term needs or emergencies, a savings account is a good option since it offers easy access and security for your money. However, it may not give you the highest return on investment (ROI).</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3><strong>Is it better to put money in a CD or savings?</strong></h3></summary><p>CDs typically offer higher interest rates than savings accounts—however, your money is locked up until maturity, with penalties for early withdrawal. Savings accounts offer more flexibility to access funds anytime. For emergency savings or short-term goals, a high-yield savings account is usually better. For money you won't need for a while, a <a href="https://fortune.com/recommends/banking/what-is-a-cd-ladder/" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/what-is-a-cd-ladder/" rel="noreferrer noopener">CD ladder</a> can maximize returns while maintaining some liquidity. Consider your timeline and your need to access your funds when choosing between CDs and savings accounts.</p></details> <details class="wp-block-details is-layout-flow wp-block-details-is-layout-flow"><summary><h3><strong>Which bank has the best savings account?</strong></h3></summary><p>The "best" savings account depends on your specific needs, but some top contenders include LendingClub, Laurel Road, and UFB Direct. These institutions consistently offer high APYs and low fees. Compare a few options to see which features matter most to you. Just remember that rates change frequently, so don't chase tiny differences - focus on overall value.</p></details> <figure class="wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper"><div class="wp-block-embed__wrapper"><iframe class="" aria-label="Table" id="datawrapper-chart-ZF1pH" frameBorder="0" height="1599" loading="lazy" scrolling="no" src="https://datawrapper.dwcdn.net/ZF1pH/26/" style="border:none" title="Best high-yield savings accounts of November 2024*" width="100%"></iframe></div></figure> <div class="wp-block-group pro-tip-box-widget"><div class="wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained"><h3 class="wp-block-heading pro-tip-box-heading">Read more</h3> <ul><li>Check out the <a href="https://fortune.com/recommends/banking/the-best-cd-rates/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-cd-rates/">best CD rates</a> to help you find the term deposits you need most.</li> <li>Our ranking of the <a href="https://fortune.com/recommends/banking/best-online-banks/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-online-banks/">best online banks</a> shows you which online bank is best for your needs.</li> <li>Choosing one of the <a href="https://fortune.com/recommends/banking/the-best-money-market-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/the-best-money-market-accounts/">best money market accounts</a> can help you maximize your returns.</li> <li>The <a href="https://fortune.com/recommends/banking/best-checking-account-bonuses/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-checking-account-bonuses/">best checking account bonuses</a> can give savers a boost on their balances.</li> <li>You’ll never pay annual fees for checking when you choose one of the <a href="https://fortune.com/recommends/banking/best-free-checking-accounts/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to https://fortune.com/recommends/banking/best-free-checking-accounts/">best free checking accounts</a>.</li></ul></div></div> <p id="disclaimer" style="font-size:12px"><em><em>1: <p style="font-size:12px"><em>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus when they set up Direct Deposit of at least $1,000 during the Direct Deposit Bonus Period. Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/24. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Direct Deposit can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.20% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet" target="_blank" class="sc-93594058-0 fowfrQ " aria-label="Go to http://www.sofi.com/legal/banking-rate-sheet" rel="noopener" title="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</em></p></em></em></p> <p id="disclaimer-2" style="font-size:12px"><em><em>3: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. 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She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/abigail-rueger-9a8941129/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li></ul><a href="https://fortune.com/author/abigail-rueger/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div><div class="sc-3be47025-11 fcFEKV author-bio"><div class="sc-3be47025-7 fVPgCt"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><img alt="" loading="lazy" width="0" height="0" decoding="async" data-nimg="1" class="sc-3be47025-0 hgyqdh" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' %3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='xMidYMid slice' style='filter: url(%23b);' href='data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAYAAAAfFcSJAAAADUlEQVR42mO8fv1mPQAIHAMIsIR6agAAAABJRU5ErkJggg=='/%3E%3C/svg%3E")" sizes="100vw" srcSet="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=320&q=75 320w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=384&q=75 384w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=480&q=75 480w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=576&q=75 576w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=768&q=75 768w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1024&q=75 1024w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1280&q=75 1280w, https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75 1440w" src="https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=1440&q=75"/></a><div class="sc-3be47025-8 gXfXEH"><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ "><span class="sc-3be47025-1 juJQCL">Cassie Bottorff</span></a><span class="sc-3be47025-2 eSlZzo">Editor, Business & Banking</span></div></div><span class="sc-3be47025-5 fQLsjx"><p><span style="font-weight:400">Cassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. </span></p></span><div class="sc-3be47025-10 bmAuQp"><ul class="sc-f8fcf8ba-2 fgxESO"><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://www.linkedin.com/in/cassie-bottorff/" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our linkedin profile"><svg width="24" height="24" aria-hidden="true" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M3.51562 0H20.4844C22.4227 0 24 1.57727 24 3.51562V20.4844C24 22.4227 22.4227 24 20.4844 24H3.51562C1.57727 24 0 22.4227 0 20.4844V3.51562C0 1.57727 1.57727 0 3.51562 0ZM5.67188 19.0312H8.48438V9.1875H5.67188V19.0312ZM8.48438 7.78125H5.67188V4.96875H8.48438V7.78125ZM15.5156 19.0312H18.3281V12.9229C18.3281 10.9006 16.7199 9.18951 14.8125 9.1875C14.1595 9.1875 13.7281 9.34814 13.2557 9.52402C13.0815 9.5889 12.9017 9.65586 12.7031 9.71759V9.1875H9.89062V19.0312H12.7031V13.4062C12.7031 12.631 13.3341 12 14.1094 12C14.8846 12 15.5156 12.631 15.5156 13.4062V19.0312Z"></path></svg></a></li><li class="sc-f8fcf8ba-3 giFAMX"><a href="https://x.com/cassandra_glenn" target="_self" class="sc-93594058-0 fowfrQ " aria-label="Go to our twitter profile"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="22" aria-hidden="true" viewBox="0 0 24 22" class="social-icon"><path d="M18.901 0.15332H22.581L14.541 9.34332L24 21.8463H16.594L10.794 14.2623L4.156 21.8463H0.474L9.074 12.0163L0 0.15432H7.594L12.837 7.08632L18.901 0.15332ZM17.61 19.6443H19.649L6.486 2.24032H4.298L17.61 19.6443Z"></path></svg></a></li></ul><a href="https://fortune.com/author/cassie-bottorff/" target="_self" class="sc-93594058-0 dukcnE sc-3be47025-6 iBZmKE styled-custom-link ">SEE FULL BIO</a></div></div></div><p class="disclosure" data-cy="editorial-disclosure">EDITORIAL DISCLOSURE<em>: The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends</em>™<em> editorial team. 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13.0672 11.0608 13.5323 12 13.5C12.9438 13.5349 13.8965 13.0613 14.7497 12.6372C15.4094 12.3093 16.0095 12.011 16.5 12C21.1079 7.89793 22.4954 6.86728 24.0001 6V16.5Z"></path></svg></a></li></ul></div><div data-cy="top-articles" class="sc-e7bcd642-2 jhQdLF"><h2 class="sc-3358ecfd-0 sc-e7bcd642-0 lbOvVG dvmNGh">Top Articles</h2><div data-cy="top-articles" class="sc-e7bcd642-1 dIxVVV"><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/banking/cash-advance-apps/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="10 cash advance apps that can help when you need money fast" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 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data-cy="article-card-date">November 26, 2024</span></div></div><div data-cy="article-card-wrapper" class="sc-c9c5992f-2 sc-c9c5992f-4 dOBzQA hCIDYx"><a href="https://fortune.com/recommends/banking/best-high-yield-savings-accounts/?itm_source=parsely-api" target="_self" class="sc-93594058-0 sNmfm card-image styled-custom-link " data-cy="article-image-link"><img alt="Best high-yield savings account rates: Updated daily" data-cy="article-card-image" loading="lazy" width="300" height="300" decoding="async" data-nimg="1" class="image-link" style="color:transparent;height:auto;object-fit:cover;width:100%;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 300 300'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' 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Inclusion","url":"https://fortune.com/workplace/diversity-inclusion"},{"__typename":"MenuItem","label":"Terms and Conditions","url":"/terms-of-use/"},{"__typename":"MenuItem","label":"Site Map","url":"/sitemap/"}],"name":"Footer About 1"}],"socialList":[{"type":"facebook","url":"https://www.facebook.com/FortuneMagazine/"},{"type":"twitter","url":"https://twitter.com/FortuneMagazine/"},{"type":"linkedin","url":"https://www.linkedin.com/company/fortune-magazine/"},{"type":"instagram","url":"https://www.instagram.com/fortunemag/"},{"type":"pinterest","url":"https://www.pinterest.com/fortunemagazine/"}]},"article":{"adTags":[{"adtagname":"cat_Savings","description":null,"slug":"cat-savings"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"The Fortune Recommends team evaluated more than 60 high-yield savings accounts to find you the top picks.","authorNames":["Abigail Rueger"],"authors":[{"email":"abigail.rueger@fortune.com","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150","name":"Abigail Rueger","sameAs":"","type":"Person","uri":"/author/abigail-rueger/","url":"https://fortune.com/author/abigail-rueger/","role":"Deputy Editor, Banking","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eAbigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"BEST SAVINGS ACCOUNTS OF NOVEMBER 2024: COMPARE RATES, FEES, AND MORE","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eSavings account interest rates have reached new heights in the past two years, but a top-tier APY is just one piece of the puzzle. You also want to put your money where you won’t incur any unnecessary fees or have to maintain a huge balance to earn the advertised rate.\u0026nbsp;\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eIf you’re looking for the right place to keep your savings but aren’t sure where to start, don’t worry: we’ve got your back. The Fortune Recommends team regularly reviews more than 60 high-yield savings accounts to bring you our top picks based on annual percentage yield (APY), deposit requirements, fees, and more.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eMore than 60 financial institutions compared\u003c/li\u003e\n\n\n\n\u003cli\u003eOver 600 data points tracked\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\n\n\n\u003cli\u003eGuided by over 25 years of banking experience \u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe 5 highest-paying savings rates today\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf your top priority is simply finding the top interest rates, you may want to narrow your search to a high-yield savings account. Our team has partnered with industry experts at Curinos to help you find the highest savings interest rates available today, but please note that we may not have reviewed each of these banks in detail. Keep scrolling to learn more about banks we\u0026#8217;ve conducted extensive research on to give savers the most well-rounded intel.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Highest savings account rates (from Curinos)\" aria-label=\"Table\" id=\"datawrapper-chart-baFZY\" src=\"https://datawrapper.dwcdn.net/baFZY/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"281\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"top-10\"\u003e\u003cstrong\u003e10 best savings accounts of November 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eAccount type\u003c/th\u003e\u003cth\u003eBest for:\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eAPY\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eMinimum opening deposit\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eLearn more\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003cmark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eFeatured Partner\u003c/mark\u003e\u003cbr\u003eSoFi® Checking \u0026amp; Savings (Member FDIC)\u003c/td\u003e\u003ctd\u003eA generous welcome offer; up to $300\u003csup\u003e\u003ca href=\"#disclaimer\"\u003e1\u003c/a\u003e\u003c/sup\u003e\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eUp to 4.20%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat SoFi\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eLendingClub High-Yield Savings\u003c/td\u003e\u003ctd\u003eATM access\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.75%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat LendingClub\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNewtek Bank High-Yield Savings\u003c/td\u003e\u003ctd\u003eThose who want a well-established industry name\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.25%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eFirst Foundation Bank\u003c/td\u003e\u003ctd\u003eIn-person banking services\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.75%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$1000\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings\u0026amp;tag.subid=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eQuontic Bank High-Yield Savings\u003c/td\u003e\u003ctd\u003eEasy-to-reach customer service\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26698288\u0026amp;tid=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Quontic\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eEvergreen Bank\u003c/td\u003e\u003ctd\u003eNew savers\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.50%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eLaurel Road High Yield Savings\u003c/td\u003e\u003ctd\u003eSavings plus loan refinancing\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.50%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eCustomers Bank\u003c/td\u003e\u003ctd\u003eLow minimum deposit\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e3.55%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$1\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eForbright Bank\u003c/td\u003e\u003ctd\u003eClimate conscious banking\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eAlly Bank\u003c/td\u003e\u003ctd\u003eOnline banking\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cfigcaption class=\"wp-element-caption\"\u003e10 best savings accounts\u003c/figcaption\u003e\u003c/figure\u003e\n\n\n\n\u003cp class=\"has-text-align-center\"\u003e\u003cem\u003e*Rates updated daily but are subject to change. You can \u003ca href=\"#methodology\"\u003eread our full methodology here\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\n\u003cscript type=\"application/javascript\" src=\"https://www.moneylion.com/network/fortune/calculators/web-component/savings-calculator/index.js\"\u003e\u003c/script\u003e\n\u003cmoneylion-savings-calculator\u003e\u003c/moneylion-savings-calculator\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eThe best savings accounts: our top picks\u003c/h2\u003e\n\n\n\n\u003cp\u003eWe rounded up accounts currently offering APYs of more than 4% to help you choose the best account for your savings. Here’s a quick look at 10 high-yield savings accounts available today.\u003c/p\u003e\n\n\n\n\u003cp\u003eRates and fees are up to date as of November 1, 2024, and are subject to change.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"sofi\"\u003e\u003cstrong\u003eSoFi\u003c/strong\u003e: Best savings account for a welcome offer; up to $300\u003c/h3\u003e\n\n\n\n\u003cp\u003eSoFi (which stands for Social Finance, Inc.) began as a student loan refinancing company and has since expanded into a broad financial services company that offers a range of products, including bank accounts, loans, investments, insurance, and more. SoFi operates primarily online and does not have physical branches.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n \u003cdiv class=\"card-banner\"\u003eFEATURED PARTNER\u003c/div\u003e\r\n \u003cdiv class=\"card-area-1\"\u003e\r\n \u003ch4 id=\"sofi\" class=\"card-title\"\u003e\u003ca href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3696053\u0026amp;subid2=card\" rel=\"nofollow noopener noreferrer\"\u003eSoFi® Checking \u0026amp; Savings\u003c/a\u003e\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMember FDIC\u003c/strong\u003e\u003c/p\u003e\r\n \u003csection class=\"card-description\"\u003e\r\n \u003ctable\u003e\r\n \u003ctbody\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eAPY\u003c/td\u003e\r\n \u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.20%\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003eUp to 4.20%*\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n \u003ctd\u003e$0\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n \u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n \u003ctd\u003eNone\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003c/tbody\u003e\r\n \u003c/table\u003e\r\n \u003c/section\u003e\r\n \u003c/div\u003e\r\n \u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=300\" alt=\"\" width=\"300\" height=\"145\" /\u003e\u003c/div\u003e\r\n \u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3696053\u0026amp;subid2=card\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eOpen Account\r\n \u003c/a\u003e\r\n \u003c/div\u003e\r\n \u003cdiv class=\"card-area-4\"\u003e\r\n \u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n \u003c!-- pannel 1 --\u003e\r\n \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\n About\r\n \u003c/label\u003e\r\n \u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eSoFi (which stands for Social Finance, Inc.) began as a student loan refinancing company and has since expanded into a broad financial services company that offers a range of products, including bank accounts, loans, investments, insurance, and more. SoFi operates primarily online and does not have physical branches.\r\n\u003cbr\u003e\u003ci\u003eMember FDIC\u003c/i\u003e\r\n\u003c/div\u003e\r\n \u003c!-- pannel 2 --\u003e\r\n \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\n Additional Details\r\n \u003c/label\u003e\r\n \u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\n\u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eSoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n \u003ca class=\"button-mobile\" href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3696053\u0026amp;subid2=card\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eOpen Account\r\n \u003c/a\u003e\r\n \u003c/section\u003e\r\n \u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eSoFi offers a savings and checking account combo—so when you sign up, you automatically get a checking account, too. With the SoFi savings account, you can score a stellar interest rate and welcome bonus.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe savings account offers up to a 4.20% APY and a \u003ca href=\"https://fortune.com/recommends/banking/sofi-direct-deposit-incentive/\"\u003e$50 to $300 welcome bonus\u003c/a\u003e, depending on the direct deposit requirements you meet. You’ll also receive a debit card, so you can easily access your cash.\u003c/p\u003e\n\n\n\n\u003cp\u003eOne unique perk of SoFi’s Money is its “vault” system. A customer can create up to 20 vaults with distinctions for specific savings goals, such as an emergency fund or vacation. This money is not technically in a separate account, it’s earmarked with whatever designation you give it, so it still earns the APY you receive based on your direct deposit amount.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSoFi also has an ATM network with over 55,000 locations\u003csup\u003e\u003ca href=\"#disclaimer-2\"\u003e2\u003c/a\u003e\u003c/sup\u003e and a well-rated mobile app, where you can make mobile deposits, pay bills, send money, and more.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eSoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from SoFi\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking\u003c/td\u003e\u003ctd\u003e$0 minimum opening deposit\u003cbr\u003eNo monthly fees\u003csup\u003e\u003ca href=\"#disclaimer-3\"\u003e3\u003c/a\u003e\u003c/sup\u003e\u003cbr\u003e0.50% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eInvestments\u003c/td\u003e\u003ctd\u003eTrade stocks, exchange-traded funds (ETFs), and more within the app with no commissions\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLoans\u003c/td\u003e\u003ctd\u003ePrivate student loans, student loan refinancing, personal loans, mortgage loans, auto loans, and more\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/sofi-bank-review/\"\u003eSoFi Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"lendingclub\"\u003eLendingClub: Best savings account for ATM access\u003c/h3\u003e\n\n\n\n\u003cp\u003eLendingClub is a financial technology (fintech) company with roots that stretch back to 2007 and since then the company has grown to serve more than 4 million members. LendingClub offers a broad range of financial products and services including\u003ca href=\"https://fortune.com/recommends/loans/what-is-a-personal-loan/\"\u003e personal and business loans\u003c/a\u003e, auto refinancing, as well as personal and business banking accounts.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn an effort to keep costs low for consumers, LendingClub does not have any brick-and-mortar branches although customers do have access to a network of more than 20,000 surcharge-free ATMs. LendingClub offers both an online and mobile banking platform that has a three- and four-star rating, respectively, on Google Play and the App Store.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"lendingclub\" class=\"card-title\"\u003eLendingClub High-Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.75%\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.75%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$100\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$100\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat LendingClub\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional Details\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nIf you ever need customer service help, you get in touch with customer support via phone call Monday through Saturday from 8:00 am to 8:00 pm ET.\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith the LendingClub savings account, you can earn a 4.75% APY with few strings attached—you’ll\u0026nbsp; need to make a minimum opening deposit of $100 and then maintain a balance of at least $0 to earn the APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003ePlus, even though it’s a savings account, you’ll receive an ATM card to access your cash when you need it.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt also offers free unlimited external transfers, plus a well-rated app available on Android and Apple devices, where you can check your balance, move money, make mobile deposits, utilize financial tools, and more.\u003c/p\u003e\n\n\n\n\u003cp\u003eAs is obvious by its name, LendingClub could also be a great resource for anyone looking for a personal, auto, or business loan. It also offers programs to pay off credit cards and consolidate debt.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eLendingClub states that its savings account is tiered, meaning different balances earn different APYs. However, currently, each tier earns the same 4.75% interest.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from LendingClub\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking\u003c/td\u003e\u003ctd\u003e$25 minimum opening deposit\u003cbr\u003eNo monthly fees\u003cbr\u003eUp to 0.15% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$2,500 minimum opening deposit\u003cbr\u003eAPYs up to 4.00%\u003cbr\u003eTerm lengths from 6–60 months\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLoans\u003c/td\u003e\u003ctd\u003ePersonal loans, debt consolidation loans, auto loans, patient care financing, and more\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/recommends/banking/lendingclub-review/\"\u003eLendingClub review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"newtek\"\u003e\u003cstrong\u003eNewtek Bank\u003c/strong\u003e: Best savings account for those wanting a well-established name\u003c/h3\u003e\n\n\n\n\u003cp\u003eNewtek Bank is a division of the company NewtekOne. Its personal banking offerings are a high-yield savings account and a money market account, and it also offers business products, including checking and a business MMA. With a focus on business solutions, business owners can have access to a digital dashboard to help them learn where money is going.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"newtek\" class=\"card-title\"\u003eNewtek Bank Personal High Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e5.25%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can call Newtek Bank and receive support 24/7, or they can send an email to digitalbanking@newtekone.com. \r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eAt Newtek Bank, you can earn a hefty 5.25% APY on your savings and enjoy no minimum deposit or monthly fees. You’ll also get to skip pesky expenses such as service charges and transaction fees. You need to keep at least a penny in the account to earn the APY. Since your Newtek savings account is fully online, you can check in on your savings easily via the online banking portal. Opening a new account is simple—all it takes is two minutes to fill out the necessary information.\u003c/p\u003e\n\n\n\n\u003cp\u003eLike many savings accounts, Newtek Bank’s high-yield savings account allows for six transfers per monthly statement cycle. These withdrawals can only be transferred to the original external bank you’ve linked to the account.\u003c/p\u003e\n\n\n\n\u003cp\u003eNewtek Bank’s mobile app is highly rated, with an average of 4.5 stars between Apple and Android platforms. It has options for fingerprint and face ID, keeping your account safe, and allows you to track and transfer balances on your phone.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eEven though there are no minimum deposit requirements, during the signup process, you’ll be required to link an external bank to fund your account. Additionally, mobile deposits on the app are only available for business accounts.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Newtek Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$2,500 opening deposit\u003cbr\u003eAPYs up to 4.75%\u003cbr\u003eTerm lengths ranging from 6–60 months\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness banking\u003c/td\u003e\u003ctd\u003eBusiness checking account, MMA, bill pay, payroll, and more\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/preview/recommends/banking/newtek-bank-review/\"\u003eNewtek Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"first-foundation\"\u003eFirst Foundation Bank: Best savings account for in-person banking services\u003c/h3\u003e\n\n\n\n\u003cp\u003eFirst Foundation Bank was initially founded to serve wealth advisory clients but has expanded to provide a range of banking products, including checking, savings, MMAs, and CDs. It highly prioritizes customer service.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"first-foundation-bank\" class=\"card-title\"\u003eFirst Foundation Bank Online Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.75%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e$1000\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3857949 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png\" alt=\"\" width=\"300\" height=\"191\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings\u0026amp;tag.subid=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eAdditional Details\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e24/7 telephone support for general inquiries, plus virtual and email support options\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eFirst Foundation Bank’s Online Savings account offers a 4.75% APY and $0 in monthly fees. Interest compounds daily and is posted to the account monthly.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt marries the best of online and mobile banking with the option for brick-and-mortar access to those in California, Florida, Nevada, Hawaii, and Texas, though the minimum deposit of $1000 may be steep for some.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eFirst Foundation Bank’s Online Savings Account can be opened by anyone in the U.S., but with its focus on in-person service and high-touch money management, customers who live close to a physical branch location may get more out of banking with First Foundation than online users.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from First Foundation Bank\u003c/summary\u003e\n\u003cp\u003eAlong with its Online Savings Account, First Foundation offers checking accounts, CDs, and an MMA.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003eThree offerings: Personal Checking, Personal Interest Checking, and Senior Interest Checking\u003cbr\u003eMinimum opening deposit: $100\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003eAPY: 4.75%\u003cbr\u003eMinimum deposit to open: $1000\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eTop APY: 4.40\u003cbr\u003eTerm lengths: 9 and 12 months\u003cbr\u003eMinimum deposit to open: $100\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-foundation-bank-review/\"\u003eFirst Foundation Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"quontic\"\u003eQuontic Bank: Best savings account for easy-to-reach customer service\u003c/h3\u003e\n\n\n\n\u003cp\u003eQuontic began as a community bank in New York City in 2009 and is now a digital bank with product offerings nationwide, including checking and savings accounts as well as mortgages. It focuses on providing accessible home loans, but its personal banking products have competitive rates as well.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"quontic\" class=\"card-title\"\u003eQuontic Bank High Yield Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.00%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=quontic-bank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nQuontic began as a community bank in New York City in 2009 and is now a digital bank with product offerings nationwide including checking and savings accounts as well as mortgages.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=quontic-bank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eTo open a Quontic high-yield savings account, you’ll only need $100. After that, you get a solid 4.00% APY without paying any monthly maintenance fees. Users can request an ATM card for the account, making your money accessible at over 90,000 fee-free ATM locations. Additionally, there are never any overdraft fees.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eQuontic compounds interest daily based on your posted account balance, getting you more for your money, and credited to your account at the end of your statement cycle each month. Quontic also claims that you can apply for the account in three minutes or less. It also offers 100% United States-based customer service that can be reached by chat or phone.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThere are a few rare fees to be aware of:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eDormant account (per month):\u003c/strong\u003e $5\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eReturn deposited item:\u003c/strong\u003e $10\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eStop payment:\u003c/strong\u003e $20\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eWire transfer outgoing foreign (customers):\u003c/strong\u003e $35 plus correspondent\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eWire transfer outgoing domestic (customers):\u003c/strong\u003e $25 plus correspondent\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Quontic Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking account\u003c/td\u003e\u003ctd\u003e$100 minimum opening deposit\u003cbr\u003eNo monthly fees\u003cbr\u003eUp to 1.10% APY\u003cbr\u003eATM network with over 90,000 locations\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003e$100 opening deposit\u003cbr\u003e4.75% APY\u003cbr\u003eComes with a debit card\u003cbr\u003eNo transaction limits\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$500 minimum opening deposit\u003cbr\u003eUp to 4.25% APY\u003cbr\u003eFive term lengths, from 6–60 months\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLoans\u003c/td\u003e\u003ctd\u003eMortgage loans, mortgage refinancing, and HELOCs\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/quontic-bank-review/\"\u003eQuontic Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"evergreen\"\u003eEvergreen Bank: Best savings account for new savers\u003c/h3\u003e\n\n\n\n\u003cp\u003eFounded in 2006, Evergreen Bank Group is an Illinois-based bank with personal and business banking products such as checking and savings accounts and loans.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"evergreen\" class=\"card-title\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3696053\" rel=\"nofollow noopener noreferrer\"\u003eEvergreen Bank Group High-Yield Online Savings\u003c/a\u003e\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.50%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eEvergreen Bank can be reached by phone or email. Its website states it will respond within one business day.\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eEvergreen Bank offers a generous 4.50% APY on its high-yield savings account, with a minimum deposit requirement of $100. With no monthly fees and no minimum required to earn the APY, this account could be a great option for new savers looking to grow their funds long-term. Interest is compounded daily and credited to your account monthly.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith a mobile app that is rated over four stars on the Google Play Store and the Apple App Store, you can make mobile check deposits, view e-statements, and transfer money internally and from external accounts.\u003c/p\u003e\n\n\n\n\u003cp\u003eAs a full-service online bank, Evergreen offers a wide range of deposit accounts, including rewards and cash-back checking, a variety of savings accounts for different purposes (such as a kids account and a Christmas Club account), a money market account, CDs, and loans.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eYou can fund your account through a debit card or an ACH transfer. Those with large deposit amounts will want to consider that the APY can only be earned on accounts with a million dollars or less. Also, dormant accounts will have a monthly $5 fee if they go unused for 18 months.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Evergreen Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003eUp to 4.00% APY\u003cbr\u003e$100 minimum opening deposit\u003cbr\u003eSome accounts offer unlimited ATM reimbursement\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003e$2,500 minimum opening deposit\u003cbr\u003e$15 monthly fee, waived if ADB is $2,500 or more\u003cbr\u003eUp to 0.50% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$500 minimum opening deposit\u003cbr\u003eUp to -% APY on the 6-month CD\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/evergreen-bank-review/\"\u003eEvergreen Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"laurel\"\u003eLaurel Road: Best savings account for savings plus loans\u003c/h3\u003e\n\n\n\n\u003cp\u003eLaurel Road is an online-only bank, offering products such as student loan refinancing, checking and savings accounts, personal loans, and more. It became part of Key Bank in 2019, one of the nation’s largest financial institutions. Its focus is on loans, specifically student loan refinancing, but it also has competitive rates on its checking and savings accounts.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"laurel\" class=\"card-title\"\u003eLaurel Road High Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.50%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png\" /\u003e\u003c/div\u003e \r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings\u0026#038;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eLearn more\r\n\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eLaurel Road is an online division of KeyBank, offering products such as student loan refinancing, checking and savings accounts, personal loans, and more.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings\u0026#038;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eLearn more\r\n\u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eLaurel Road’s bread and butter is student loan refinancing, and it offers several account perks designed specifically for those who maintain student loans with it. Additionally, its high-yield savings accounts with rates up to 4.50% make it an attractive option for those who are only looking for a place to park a chunk of change.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith no fees and no minimum opening deposit, it’s incredibly simple to get started with a Laurel Road savings account. You can send a transfer from an external bank account, set up a domestic wire transfer, do a direct deposit or mobile deposit, or even mail in a check to fund your account.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to its high-yield savings account, Laurel Road offers a linked savings account, where you can get an extra .25% off your refinance rate when you refinance your student loans along with opening the account.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you ever have an issue, Laurel Road can be reached by phone (the general inquiry line is open from 8 a.m. to 8 p.m. Eastern time), email, or live chat.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eLaurel Road says its high-yield savings account is tiered, but all current tiers offer a 4.50% APY.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Laurel Road\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking account\u003c/td\u003e\u003ctd\u003e$100 account opening bonus\u003cbr\u003e$0 minimum opening deposit\u003cbr\u003eNo monthly fees\u003cbr\u003eAPY up to 0.01%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLoans\u003c/td\u003e\u003ctd\u003eStudent loans, personal loans, mortgages, and more\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit cards\u003c/td\u003e\u003ctd\u003eGet 2% cash back toward student loans and 1% on all other purchases with the Laurel Road Student Loan Cashback Card\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/recommends/banking/laurel-road-review/\"\u003eLaurel Road review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"customers\"\u003eCustomers Bank: Best savings account for a low minimum deposit\u003c/h3\u003e\n\n\n\n\u003cp\u003eCustomers Bank has physical locations in Colorado, Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania Rhode Island and Texas, and it also offers online banking products, including checking and savings accounts, CDs, and personal loans. Small business and commercial banking products are available as well.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"customers\" class=\"card-title\"\u003eCustomers Bank High Yield Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e3.55%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$1\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomer service is available by phone seven days a week from 9 a.m. to 6 p.m. ET\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eCustomers Bank offers a 3.55% APY, and you can open an account with only $1. Charity is a huge part of Customers Bank’s mission, so a portion of its earnings go toward funding affordable housing, family services, and education.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThrough Raisin, users can have 24/7 access to their funds and a streamlined digital platform for all their banking needs.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThis savings account is only accessible through the third-party banking platform, Raisin. Customer Bank’s Personal Savings account on its website requires a $25,000 minimum opening deposit.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Customers Bank\u003c/summary\u003e\n\u003cp\u003eWhile the only product available on Raisin is the High-Yield Savings account, Customers Bank also offers a checking account, CDs, and personal loans and mortgages.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eInterest Checking account\u003c/td\u003e\u003ctd\u003eAPY: Up to 2.00%\u003cbr\u003eMinimum opening deposit: $0\u003cbr\u003eMonthly fees: $0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum deposit to open: $500\u003cbr\u003eTerm lengths: 24–60 months\u003cbr\u003eTop APY: 4.35%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/customers-bank-review/\"\u003eCustomers Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"forbright\"\u003eForbright Bank: Best savings account for climate conscious banking\u003c/h3\u003e\n\n\n\n\u003cp\u003eForbright Bank is a climate-conscious bank offering online deposit products, including personal savings and CDs, loans, and business banking.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"forbright\" class=\"card-title\"\u003eForbright Bank Growth Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e5.00%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomer service is available by phone Monday through Friday from 8 am to 8 pm, ET.\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eForbright Bank’s Growth Savings account offers a generous 5.00% APY, no minimum deposit to open, and no monthly fee. Customers can sign up quickly online, and the digital platform on both desktop and mobile is sleek and simple to navigate.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eForbright Bank’s mission is to provide top-tier banking products while maintaining its values as a sustainably-minded institution. Customers can rest easy knowing their money isn’t being used to fund any fossil fuel extraction or infrastructure, and instead helps climate-conscious projects such as solar instillation, green building upgrades, and accessible healthcare.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eForbright Bank does not offer a personal checking account, so if you’re determined to do all your banking at one institution you’ll have to look elsewhere. Additionally, this account doesn’t come with a debit card or ATM capabilities.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Forbright Bank\u003c/summary\u003e\n\u003cp\u003eIn addition to its Growth Savings account, Forbright Bank offers CDs in a few different term lengths:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum deposit to open: $25\u003cbr\u003eTerm lengths: 9–60 months\u003cbr\u003eTop APY: 4.25\u003cbr\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"ally\"\u003eAlly Bank: Best savings account for online banking\u003c/h3\u003e\n\n\n\n\u003cp\u003eAlly Bank is an online-only bank that offers a wide range of products and services like checking and savings accounts, credit cards, personal loans, and robo-advisors.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"ally\" class=\"card-title\"\u003eAlly Bank Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e3.85%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003eat MoneyLion\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nPhone support is available Monday through Friday from 8 am - 11 pm ET and Saturday, 9 am - 7 pm ET.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\nat MoneyLion\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith no minimum opening deposit requirement or monthly maintenance fees, the Ally savings account is a low-cost, accessible high-yield savings account that offers a stellar 3.85%% APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt’s a great option for those who are new to saving. The savings account offers a host of personal finance tools, such as savings buckets that allow you to allocate money towards specific goals. Plus, if you have a linked checking account, you may be eligible for the round-up feature which rounds up transactions from your checking account and then deposits them in your savings account.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eRight now, Ally Bank offers its 3.85%% APY on all balance tiers, but it is possible this structure could change in the future. Current tiers are as follows:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eLess than $5,000\u003c/li\u003e\n\n\n\n\u003cli\u003eBetween $5,000 and $24,999.99\u003c/li\u003e\n\n\n\n\u003cli\u003e$25,000 or more\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Ally Bank\u003c/summary\u003e\n\u003cp\u003eAlly offers a full suite of personal banking products:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking\u003c/td\u003e\u003ctd\u003eUp to 0.25% APY\u003cbr\u003e$0 minimum opening deposit\u003cbr\u003eGet paid up to two days early\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMoney market account\u003c/td\u003e\u003ctd\u003e$0 minimum opening deposit\u003cbr\u003eNo monthly fee\u003cbr\u003e3.85% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$0 minimum opening deposit\u003cbr\u003eUp to 4.30% APY on the 9-month CD\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/article/ally-bank-review/\"\u003eAlly Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5c6ba399-d32f-4e30-9722-8373c50873c3\" data-campaign=\"fortune-savings-multi\" data-sub-id=\"sav-multi-bank\"\u003e\u003c/div\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eInsight from Kristy Snyder, Fortune contributor\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"If you're afraid to dabble in investments, opening a savings account with a high annual percentage yield (APY) is almost as good in today's market. It's easy to find a savings account with over 5% interest, which might not be as high as stock market returns but, with no risk involved, you can't beat it.\"\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"top-accounts\"\u003e\u003cstrong\u003eTop high-yield savings accounts in November 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile we evaluated the above institutions based on multiple criteria, the earnings potential of a savings account is often the key factor of concern. Below are some of the highest-yield savings accounts based on APY. Each account is backed by the \u003ca href=\"https://fortune.com/recommends/banking/what-is-fdic-insurance/\"\u003eFDIC\u003c/a\u003e and insured up to $250,000 per depositor, per account, giving you peace of mind that your savings are protected no matter what.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003e\u003cem\u003eNote: \u003c/em\u003e\u003c/strong\u003e\u003cem\u003eAPYs in our list below are updated daily but are subject to change.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best high-yield savings accounts of October 2024*\" aria-label=\"Table\" id=\"datawrapper-chart-o8Q1B\" src=\"https://datawrapper.dwcdn.net/o8Q1B/6/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"461\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"news\"\u003eRecent news that could impact your savings account interest rates\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Federal Reserve meets regularly to decide whether to raise or lower the \u003ca href=\"https://fortune.com/recommends/banking/how-fed-rates-impact-savings-accounts/\"\u003efederal funds rate\u003c/a\u003e, which was just lowered from 5.25%–5.5% down to 4.75%–5.25% at the September 18 meeting. When the Fed rate is higher, borrowing money costs more, meaning taking out a loan and carrying credit card debt will be more expensive. However, high interest rates mean that banks offer better rates on savings products, including high-yield savings accounts and CDs.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eNow is a good time to put money into high-yield accounts, especially if they have fixed rates, as rates are likely to continue to drop.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eMarket insight\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"On September 18, 2024, the Fed dropped its interest rate by 0.50 basis points, and further drops are expected as inflation reaches target numbers. That’s likely to bring down savings rates, so you can expect to see a lower return on high-yield savings accounts in the coming months and years.\" - \u003cem\u003eDana Miranda, CEPF® and personal finance journalist\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"definition\"\u003eWhat is a savings account?\u003c/h2\u003e\n\n\n\n\u003cp\u003eA savings account is a type of deposit account offered by banks, credit unions, and other types of financial institutions. Savings accounts allow you to keep your money on deposit in exchange for earning interest. The exact interest rate will depend on the financial institution and can range from 0.01% to upwards of 5%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSavings accounts are also a fairly liquid type of account, which means you can access your money just about as often as you want. Some banks may limit the number of withdrawals you can make in a month (typically, it’s six transactions per month), but you’re still able to exceed any withdrawal cap in place—you’ll just need to pay a fee on each additional transaction.\u003c/p\u003e\n\n\n\n\u003cp\u003eFinally, savings accounts are considered one of the safest places to keep your money because unlike market investments, there is no risk to your principal deposit. Plus, your money is insured up to $250,000 per depositor, per institution, as long as your bank is backed by the FDIC (or the NCUA for credit unions).\u003c/p\u003e\n\n\n\n\u003cp\u003eFinally, savings accounts are considered one of the safest places to keep your money because, unlike market investments, there is no risk to your principal deposit. Plus, your money is insured up to $250,000 per depositor, per institution as long as your bank is backed by the FDIC or the National Credit Union Administration (NCUA) for credit unions.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003eWhat are the pros and cons of high-yield savings accounts?\u003c/h2\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eLiquid\u003c/li\u003e\n\u003cli\u003eInsured by the government up to $250,000\u003c/li\u003e\n\u003cli\u003ePrincipal and interest are protected from loss\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAPY can decrease\u003c/li\u003e\n\u003cli\u003eReturns can’t compete with stock market investments\u003c/li\u003e\n\u003cli\u003eThere could be a cap on monthly withdrawals\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cp\u003eBefore you open a savings account, it’s important to consider the pros and cons of putting your money in one.\u003c/p\u003e\n\n\n\n\u003cp\u003eOf course, one of the biggest benefits of a savings account is that you can earn interest on your balance. The exact interest rate you receive may be higher or lower than the national average of 0.47% APY, but many of the high-yield accounts on our list have rates above 5.00%.\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can also rest assured that your money is safe in a savings account. Unlike some types of investments, a savings account will never allow you to lose money. Plus, most high-yield accounts are insured by the FDIC or \u003ca href=\"https://fortune.com/recommends/banking/what-is-ncua-insurance/?showAdminBar=true\"\u003eNCUA\u003c/a\u003e up to $250,000 per depositor, per institution in the event of a \u003ca href=\"https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/\"\u003ebank failure\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003eThat said, there are some downsides to keeping your money in a savings account. For one, even high-yield savings accounts don’t offer the same level of earnings as\u0026nbsp;investing your money in the market. However, all savings accounts are sensitive to market fluctuations, and the APY can go up or down at the discretion of your bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou may also be limited in how many monthly withdrawals you can make. Your financial institution might charge a fee for each additional transaction over the limit.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"fees\"\u003eSavings account fees and requirements\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf you plan to open a new savings account, it’s important to review the fees associated with the account and any requirements that need to be met to avoid fees. These may include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eMonthly fees:\u003c/strong\u003e Some financial institutions charge a monthly fee that’s meant to cover the administrative costs of providing a savings account. However, this fee can easily wipe out any interest you earn. The good news is that monthly maintenance fees can often be waived if you meet certain requirements, such as linking a checking account or maintaining a minimum balance in the savings account. Better yet, many banks and credit unions offer savings accounts with no monthly fees at all. So, when shopping around for a high-yield savings account, look for one that makes it easy to avoid fees.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum deposit requirements: \u003c/strong\u003eThe minimum deposit required to open a savings account and/or earn the specified interest rate varies widely. Some banks and credit unions offer savings accounts with no minimum deposit requirement, allowing customers to open an account with any amount—even just a few dollars. Other institutions might require a minimum deposit ranging from $25 to $100 or even more. (It’s more common for premium or specialty savings accounts to come with higher minimum deposit requirements.) It’s always a good idea to check with the specific financial institution regarding their minimum deposit requirements before opening an account.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-it-works\"\u003eHow do savings account interest rates work?\u003c/h2\u003e\n\n\n\n\u003cp\u003eFinancial institutions set their savings account rates loosely based on the \u003ca href=\"https://fortune.com/recommends/article/what-is-the-federal-funds-rate/\"\u003efederal funds rate\u003c/a\u003e. This is the interest rate that banks charge other banks to lend money overnight. When the \u003ca href=\"https://fortune.com/recommends/banking/the-fed-just-raised-rates-again/\"\u003eFed raises its rates\u003c/a\u003e, this can increase the cost of borrowing and push banks to raise their APYs to attract new customers.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe interest rate on a savings account is typically variable, meaning it can fluctuate over time. These rate changes are influenced by several factors, including monetary policy set by the Federal Reserve, general economic conditions, and competition among banks. It's a good practice to periodically check the interest rates of your savings accounts and compare them with rates offered by other institutions to ensure you’re maximizing your earnings.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhat is considered a high-yield savings account rate?\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe national average savings account rate is 0.47%, so a rate above that benchmark would be considered above average. However, many banks offer \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ehigh-yield savings accounts\u003c/a\u003e with as much as 4% to 5% APY. It pays to shop around to find the highest rates available if you’re looking for a new account.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eInterest rate vs. APY: what’s the difference?\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe interest rate on a savings account is essentially the base rate. The APY provides a more comprehensive view of your earnings by factoring in the effects of compounding and calculates how much you'll earn over the course of a year.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhat is 5% APY on $1,000?\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eTo determine how much $1,000 will make in a savings account, you need to know the APY of the account and the length of time you plan to keep the money deposited. Additionally, the frequency of interest compounding (daily, monthly, or annually) can impact your final amount.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor example, if you deposited $1,000 into a high-yield savings account that earns 5% APY and compounds annually\u003cstrong\u003e, \u003c/strong\u003eyou’d have a total balance of about $1,050 at the end of one year (assuming you don’t make any more contributions). If the interest compounds daily, you’d have a bit more.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"How much you could make if you deposit $1,000 into a savings account with a 5.00% APY\" aria-label=\"Grouped Columns\" id=\"datawrapper-chart-FQSxX\" src=\"https://datawrapper.dwcdn.net/FQSxX/6/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"515\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e \n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhat is 5% APY on $10,000\u003c/strong\u003e?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you deposited $10,000 into a savings account that earns 5% APY and compounds annually\u003cstrong\u003e, \u003c/strong\u003eyou’d have a total balance of a little over $10,500 at the end of one year (assuming you don’t make any more contributions). If the interest compounds daily, you’d have $10,512.67.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"How much you could make if you deposit $10,000 into a savings account with a 5.00% APY\" aria-label=\"Grouped Columns\" id=\"datawrapper-chart-cxwLj\" src=\"https://datawrapper.dwcdn.net/cxwLj/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"324\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003eHow to choose the best savings account\u0026nbsp;for you\u003c/h2\u003e\n\n\n\n\u003cp\u003eChoosing the right savings account requires careful consideration of your financial needs, preferences, and goals. Here are a few considerations to keep in mind as you shop around.\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eInterest rates\u003c/strong\u003e: One of the most important features of a savings account to evaluate is the interest rate or APY. This dictates how much your money can earn; the higher the rate, the more your money can grow over time.\u0026nbsp;Start by reviewing the national \u003ca href=\"https://www.fdic.gov/resources/bankers/national-rates/index.html\"\u003eaverage rates\u003c/a\u003e for savings accounts, which are regularly updated by the FDIC. Then look for a high-yield savings account that offers a rate at least 10 times that average.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBalance requirements: \u003c/strong\u003eSome accounts require a minimum balance to avoid fees or to earn the advertised APY. Ensure you're comfortable with any minimum balance requirements. Better yet, look for an account that doesn’t have any minimums, especially if you’re just getting started with saving and don’t have a large balance built up yet.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eFees: \u003c/strong\u003eBe wary of monthly maintenance \u003ca href=\"https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/\"\u003efees\u003c/a\u003e, excessive withdrawal fees, and other charges that could eat into your interest earnings. Some accounts may waive fees if you maintain a minimum balance or meet other criteria while others don’t charge these types of fees at all. Decide what types of fees you’re comfortable with and whether the perks of the account outweigh the potential costs.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eAccount access: \u003c/strong\u003eMany savings accounts are provided by online banks, which means you may not have physical branch access. If that’s the case, be sure the account offers access in other ways, such as via a large ATM network. Alternatively, you might prefer a financial institution that offers face-to-face support.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDigital tools: \u003c/strong\u003eIf you prefer the convenience of digital banking, be sure the account you choose is offered by a bank with robust online features and tools, such as a user-friendly mobile app, free and fast online transfers, digital deposits, and other tech-friendly options.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer service: \u003c/strong\u003eFinally, it’s important to consider how you’ll get in touch with a representative if you have a question or need help with your account. Some financial institutions take a hands-off approach and don’t offer easy access to a real human. Others are just a phone call or email away. Make sure the bank’s customer service options are aligned with your preferred method of communication.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eSavings account rates at popular national banks\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile the absolute best APYs can generally be found at online banks and other institutions with lower overhead costs, many consumers prefer the ease and comfort of a large bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eHere are the APYs and minimum opening deposit requirements for several popular banks and credit unions:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eInstitution\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eAPY\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eMinimum opening deposit\u003c/strong\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eAmerican Express\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlliant Credit Union\u003c/td\u003e\u003ctd\u003e3.10%\u003c/td\u003e\u003ctd\u003e$5\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One\u003c/td\u003e\u003ctd\u003e3.90%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eChase\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEverbank\u003c/td\u003e\u003ctd\u003e4.75%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDiscover\u003c/td\u003e\u003ctd\u003e3.90%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMarcus by Goldman Sachs\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlly Bank\u003c/td\u003e\u003ctd\u003e3.85%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEvergreen Bank\u003c/td\u003e\u003ctd\u003e4.50%\u003c/td\u003e\u003ctd\u003e$100\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBank of America\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003e$100\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBarclays\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cfigcaption class=\"wp-element-caption\"\u003e\u003cem\u003e*Rates are updated weekly and are subject to change\u003c/em\u003e\u003c/figcaption\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003eAlternatives to savings accounts\u003c/h2\u003e\n\n\n\n\u003cp\u003eA savings account is an important tool that just about anyone should have as part of their larger financial plan. However, it isn't always the best place to put your money. There are other types of deposit accounts to consider as well:\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eTraditional savings account vs. high-yield savings\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ehigh-yield savings account\u003c/a\u003e isn’t that much different from a \u003ca href=\"https://fortune.com/recommends/banking/traditional-savings-account/\"\u003etraditional savings account\u003c/a\u003e. Both are deposit accounts offered by financial institutions that allow you to set aside money and earn interest on the balance. The primary difference is that a high-yield savings account offers a much higher APY on your funds than a typical savings account. Through the power of \u003ca href=\"https://fortune.com/recommends/banking/what-is-compound-interest/\"\u003ecompound interest\u003c/a\u003e, you’ll earn interest on the principal balance and any interest you earned previously. That means you’ll essentially earn interest on your interest, allowing your savings to grow that much faster.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eSavings account vs. checking account\u003c/h3\u003e\n\n\n\n\u003cp\u003eA savings account is designed for storing money over a longer period and earning interest, which encourages saving. It may have limitations on the number of withdrawals or transfers per month. A checking account, on the other hand, is intended for managing daily transactions and offers more accessibility. It usually provides a debit card and check-writing capabilities and often has no limits on the number of transactions. However, checking accounts generally offer lower or no interest compared to savings accounts.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eSavings account vs. certificates of deposit (CDs)\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003eSavings accounts and CDs\u003c/a\u003e are both savings vehicles that offer interest on your deposits. However, while savings accounts provide relatively easy access to funds with a variable interest rate, CDs lock in your money for a specified term (from a few months to several years) at a (usually) higher, fixed interest rate. Withdrawing funds from a CD before its maturity date typically incurs a penalty, which can reduce the earned interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOn the other hand, savings accounts may have limits on the number of monthly withdrawals, but offer more liquidity than CDs. When choosing between the two, it’s crucial to weigh the importance of access to funds against potentially higher fixed returns with CDs.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eSavings account vs. MMAs\u003c/h3\u003e\n\n\n\n\u003cp\u003eSavings accounts work similarly to \u0026nbsp;to \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003eMMAs\u003c/a\u003e in that you’ll earn interest on your balance and can easily access your funds. While savings accounts focus primarily on providing a safe, liquid place to store cash, MMAs often combine the features of both savings and checking accounts, providing higher interest earnings and more flexible access to funds, such as through checks or debit cards. However, MMAs might require higher minimum balances to avoid fees or to earn the advertised rate.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOverall, a savings account would be the best choice in situations where you prioritize earning some interest on your money while maintaining relatively easy access to the funds, without exposing the principal to market risk.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-open\"\u003eHow to open a high-yield savings account\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen you’re ready to open an account, you’ll follow these general steps:\u003c/p\u003e\n\n\n\n\u003col\u003e\n\u003cli\u003e\u003cstrong\u003eResearch financial institutions\u003c/strong\u003e: It’s important to do some research ahead of time to compare interest rates, fees, features, and customer reviews among various financial institutions. Decide whether you’re comfortable with an online-only bank or prefer a bank or credit union with physical branches.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCheck the requirements\u003c/strong\u003e: Find out if you need a minimum deposit to open an account or if you’re expected to maintain a minimum balance to avoid fees. Be sure you understand the terms of the account fully.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eVisit the bank or apply online\u003c/strong\u003e: Whether online or in-person, you'll need to contact the financial institution for an application and be prepared to share the details mentioned below. Online applications often allow you to save and return if needed.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eFill out the application\u003c/strong\u003e: You will need to provide some personal information, including your Social Security number or individual taxpayer identification number (TIN), a valid ID (such as a passport or driver’s license), and contact information.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDeposit funds\u003c/strong\u003e: When your application gets approved, all that’s left is to deposit your funds into the account and start earning.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\u003c/ol\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003eOur methodology\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo narrow down our top picks for the best high-yield savings accounts, the Fortune Recommends\u003csup\u003e\u003cfont size=\"1\"\u003eTM\u003c/font\u003e\u003c/sup\u003e team evaluated more than 60 online savings accounts from a variety of traditional brick-and-mortar banks, online banks, and credit unions.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAll the accounts on our list are available to customers in the U.S. no matter where you’re located, subject to the terms of each account. The savings accounts on this list offer an APY at least 10 times the national average.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWe ranked each account in these core categories:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best savings accounts: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-67zu8\" src=\"https://datawrapper.dwcdn.net/67zu8/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"465\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAPY (40%): \u003c/strong\u003eThis number represents the real rate of return on your balance; the higher the APY, the better.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMonthly fees (10%): \u003c/strong\u003eSome banks charge monthly maintenance fees. We ranked banks with lower (or zero) monthly fees higher on the list.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum amount to earn APY (10%): \u003c/strong\u003eTo earn the high APY, some banks require that you maintain a certain dollar amount in the account, which we view as a limiting factor.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum opening deposit (15%):\u003c/strong\u003e Some financial institutions require a deposit amount when you open your account. We rate a higher opening deposit as less attractive.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer support (5%): \u003c/strong\u003eTop picks offer customers various ways to get in contact: chat support, by phone, or even email—phone support was weighted more heavily.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cb\u003eBudgeting and money management tools (5%):\u003c/b\u003e Some banks offer digital tools that make it easier for customers to track their spending and savings.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eATM or debit card (5%): \u003c/strong\u003eWhile high-yield savings accounts are meant for long-term saving, some banks provide an ATM or debit card so you can easily spend the funds in your account.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMobile app rating (5%): \u003c/strong\u003eMost banks have a mobile app you can use to manage your account. We looked at banks’ mobile app ratings in the Apple Store.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSecurity features (5%): \u003c/strong\u003eWhen we evaluated banks, we checked if they offered features, such as website encryption, multi-factor authentication (MFA), and fraud protection to ensure that customers’ financial and personal information is kept safe.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eThe rates and fee structures for the accounts mentioned are available for limited periods, and APYs are subject to fluctuation, which could impact how much interest you earn. All the bank accounts and credit unions on this list are insured by the FDIC and NCUA, respectively. To open an account, financial institutions, including banks and credit unions, require a deposit of new money, so you may not be able to transfer money you already had in an account at that bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eDig deeper:\u003c/strong\u003e learn more about our \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"FAQs\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eAre savings accounts liquid?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eIn general, saving accounts are highly liquid accounts, meaning it's fast and easy to access your funds when needed. Federal law used to dictate that account holders could transfer funds out of their accounts up to six times per month. However, this rule was paused in 2020 and you can now make an unlimited number of transfers and withdrawals from savings accounts in many cases. However, some financial institutions still limit the number of withdrawals allowed per month and may impose a fee for excessive transactions.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eAre savings accounts safe?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eSavings accounts are generally safe, especially when they are held at banks that are insured by the FDIC or at credit unions insured by the NCUA. Both entities insure deposits up to $250,000 per depositor, per institution, for each account ownership category.\u0026nbsp;\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eDo I have to pay taxes on money in a savings account?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eThe interest you earn in a savings account is usually subject to income tax. If you earn $10 or more in interest from a savings account in a year, the bank or financial institution will send you a Form 1099-INT, which reports the amount of interest you earned. Even if you don't receive a Form 1099-INT (e.g., if you earned less than $10), you're still generally required to report and pay tax on any interest income.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eIs it worth putting money in a savings account?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eIf your goal is to keep cash safe for short-term needs or emergencies, a savings account is a good option since it offers easy access and security for your money. However, it may not give you the highest return on investment (ROI).\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eIs it better to put money in a CD or savings?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eCDs typically offer higher interest rates than savings accounts—however, your money is locked up until maturity, with penalties for early withdrawal. Savings accounts offer more flexibility to access funds anytime. For emergency savings or short-term goals, a high-yield savings account is usually better. For money you won't need for a while, a \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-cd-ladder/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eCD ladder\u003c/a\u003e can maximize returns while maintaining some liquidity. Consider your timeline and your need to access your funds when choosing between CDs and savings accounts.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eWhich bank has the best savings account?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eThe \"best\" savings account depends on your specific needs, but some top contenders include LendingClub, Laurel Road, and UFB Direct. These institutions consistently offer high APYs and low fees. Compare a few options to see which features matter most to you. Just remember that rates change frequently, so don't chase tiny differences - focus on overall value.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best high-yield savings accounts of November 2024*\" aria-label=\"Table\" id=\"datawrapper-chart-ZF1pH\" src=\"https://datawrapper.dwcdn.net/ZF1pH/26/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"1599\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eCheck out the \u003ca href=\"https://fortune.com/recommends/banking/the-best-cd-rates/\"\u003ebest CD rates\u003c/a\u003e to help you find the term deposits you need most.\u003c/li\u003e\n\n\n\n\u003cli\u003eOur ranking of the \u003ca href=\"https://fortune.com/recommends/banking/best-online-banks/\"\u003ebest online banks\u003c/a\u003e shows you which online bank is best for your needs.\u003c/li\u003e\n\n\n\n\u003cli\u003eChoosing one of the \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003ebest money market accounts\u003c/a\u003e can help you maximize your returns.\u003c/li\u003e\n\n\n\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-checking-account-bonuses/\"\u003ebest checking account bonuses\u003c/a\u003e can give savers a boost on their balances.\u003c/li\u003e\n\n\n\n\u003cli\u003eYou’ll never pay annual fees for checking when you choose one of the \u003ca href=\"https://fortune.com/recommends/banking/best-free-checking-accounts/\"\u003ebest free checking accounts\u003c/a\u003e.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp id=\"disclaimer\" style=\"font-size:12px\"\u003e\u003cem\u003e\u003cem\u003e1: \u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eNew and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus when they set up Direct Deposit of at least $1,000 during the Direct Deposit Bonus Period. Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/24. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Direct Deposit can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.20% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\u003c/em\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp id=\"disclaimer-2\" style=\"font-size:12px\"\u003e\u003cem\u003e\u003cem\u003e3: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.\u003c/em\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp id=\"disclaimer-3\" style=\"font-size:12px\"\u003e\u003cem\u003e3: Our account fee policy is subject to change at any time.\u003c/em\u003e\u003c/p\u003e\u003c/div\u003e","databaseId":3696053,"dateGmt":"2024-04-25T17:05:48","dek":"","description":"The Fortune Recommends team evaluated more than 60 high-yield savings accounts to find you the top picks.","faq":[{"answer":"In general, saving accounts are highly liquid accounts, meaning it's fast and easy to access your funds when needed. Federal law used to dictate that account holders could transfer funds out of their accounts up to six times per month. However, this rule was paused in 2020 and you can now make an unlimited number of transfers and withdrawals from savings accounts in many cases. However, some financial institutions still limit the number of withdrawals allowed per month and may impose a fee for excessive transactions.","question":"Are savings accounts liquid?","__typename":"FaqField"},{"answer":"Savings accounts are generally safe, especially when they are held at banks that are insured by the FDIC or at credit unions insured by the NCUA. Both entities insure deposits up to $250,000 per depositor, per institution, for each account ownership category.","question":"Are savings accounts safe?","__typename":"FaqField"},{"answer":"The interest you earn in a savings account is usually subject to income tax. If you earn $10 or more in interest from a savings account in a year, the bank or financial institution will send you a Form 1099-INT, which reports the amount of interest you earned. Even if you don't receive a Form 1099-INT (e.g., if you earned less than $10), you're still generally required to report and pay tax on any interest income.","question":"Do I have to pay taxes on money in a savings account?","__typename":"FaqField"},{"answer":"Savings accounts are generally considered safe and are usually backed by the government. In the rare event of a bank failure, if the bank is not insured or if your savings exceed the insured amount, there is a risk of losing money. However, this situation can be avoided by keeping your money in an FDIC- or NCUA-insured account up to the federal maximum of $250,000 for insurance.","question":"Can you lose money in a savings account during a recession?","__typename":"FaqField"},{"answer":"CDs typically offer higher interest rates than savings accounts—however, your money is locked up until maturity, with penalties for early withdrawal. Savings accounts offer more flexibility to access funds anytime. For emergency savings or short-term goals, a high-yield savings account is usually better. For money you won't need for a while, a CD ladder can maximize returns while maintaining some liquidity. Consider your timeline and your need to access your funds when choosing between CDs and savings accounts.","question":"Is it better to put money in a CD or savings?","__typename":"FaqField"},{"answer":"The \"best\" savings account depends on your specific needs, but some top contenders include LendingClub, Laurel Road, and UFB Direct. These institutions consistently offer high APYs and low fees. Compare a few options to see which features matter most to you. Just remember that rates change frequently, so don't chase tiny differences - focus on overall value.","question":"Which bank has the best savings account?","__typename":"FaqField"}],"featuredMediaType":"image","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#top-10\"\u003e10 best savings accounts\u003c/a\u003e\u003c/li\u003e\n\u003cli style=\"list-style-type: none\"\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#sofi\"\u003eSoFi\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#lendingclub\"\u003eLendingClub\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#newtek\"\u003eNewtek Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#first-foundation\"\u003eFirst Foundation Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#quontic\"\u003eQuontic\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#evergreen\"\u003eEvergreen Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#laurel\"\u003eLaurel Road\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#customers\"\u003eCustomers Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#forbright\"\u003eForbright Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#ally\"\u003eAlly Bank\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#top-accounts\"\u003eTop high-yield savings accounts\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#news\"\u003eRecent news that could impact your savings account interest rates\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#definition\"\u003eWhat is a savings account?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pros-and-cons\"\u003ePros and cons\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#fees\"\u003eFees and requirements\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-it-works\"\u003eHow do interest rates work?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose the best savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eSavings account alternatives\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-open\"\u003eHow to open a savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eMethodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#FAQs\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNjk2MDUz","image":"https://fortune.com/img-assets/wp-content/uploads/2023/10/Recommends_Best_Savings_Accounts_List.jpg?resize=1200,600","imageCaption":"The Fortune Recommends team evaluated more than 50 high-yield savings accounts to find you the top picks.","imageCredit":"Illustration by Fortune","keywords":"","link":"https://fortune.com/recommends/banking/best-savings-accounts/","metaTitle":"Best savings accounts of November 2024: Compare rates, fees, and more","modifiedGmt":"2024-11-26T13:33:23","pageType":"evergreen","platformCD":"recommends","postId":3696053,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca href=\"https://www.linkedin.com/showcase/fortunerecommends/\" target=\"_blank\" rel=\"noopener\"\u003eLinkedIn,\u003c/a\u003e \u003ca href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eX\u003c/a\u003e, and \u003ca href=\"https://www.tiktok.com/@fortunerecs\"\u003eTikTok\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Vector illustration of a glass jar full of gold coins and three dollar bills flying in a circle surrounding the jar.","caption":"Illustration by Victoria Ellis for Fortune","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2023/10/Recommends_Best_Savings_Accounts_List.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"savings","primaryTagId":24167,"link":"https://fortune.com/tag/savings/","uri":"/tag/savings/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Banking","primarySectionId":447854038,"link":"https://fortune.com/recommends/banking/","uri":"/recommends/banking/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=150","name":"Cassie Bottorff","role":"Editor, Business \u0026 Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eCassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. Prior to joining the team at Fortune Recommends, Cassie was a deputy editor at Forbes Advisor and a Central Operations Project Manager at Fit Small Business. \u003c/span\u003e\u003c/p\u003e\n","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/cassie-bottorff/","twitterUrl":"https://x.com/cassandra_glenn","__typename":"ReviewerSocialUrlsFields"},"uri":"/author/cassie-bottorff/"},"sectionNames":["Banking","Savings Accounts"],"sections":[{"name":"Banking","sectionId":447854038,"slug":"banking","__typename":"BrandedArticleClassificationSectionFieldsFields"},{"name":"Savings Accounts","sectionId":447863945,"slug":"savings","__typename":"BrandedArticleClassificationSectionFieldsFields"}],"series":[],"showModifiedTimestamp":1,"socialDescription":"Here's where to put your money for market-leading interest rates without the excessive fees or minimums.","socialTitle":"These are the absolute best savings accounts available today (5% APY and up)","stickyCta":null,"tagNames":["Best-of","Editor's Picks","no copyright","personal savings","Rankings and Roundups","Roundup","savings","savings accounts"],"tags":[{"name":"Best-of","tagId":447854062,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Editor's Picks","tagId":447851104,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"no copyright","tagId":447849520,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"personal savings","tagId":5151481,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Rankings and Roundups","tagId":447865369,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"Roundup","tagId":447854067,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"savings","tagId":24167,"__typename":"BrandedArticleClassificationTagFieldsFields"},{"name":"savings accounts","tagId":447854072,"__typename":"BrandedArticleClassificationTagFieldsFields"}],"templateType":"landing_page","thumbnailUrl":"https://fortune.com/img-assets/wp-content/uploads/2023/10/Recommends_Best_Savings_Accounts_List.jpg","title":"Best savings accounts of November 2024: Compare rates, fees, and more","topicNames":[],"topics":[],"url":"https://fortune.com/recommends/banking/best-savings-accounts/","videoId":null,"widgetCss":null},"articleData":{"adTags":[{"adtagname":"cat_Savings","description":null,"slug":"cat-savings"},{"adtagname":"High Intent","description":null,"slug":"high-intent"},{"adtagname":"ptype_Roundup","description":null,"slug":"ptype-roundup"}],"audienceDek":"The Fortune Recommends team evaluated more than 60 high-yield savings accounts to find you the top picks.","authorNames":["Abigail Rueger"],"authors":[{"email":"abigail.rueger@fortune.com","image":"https://fortune.com/img-assets/wp-content/uploads/2024/04/abigail-rueger-headshot.jpeg?w=150","name":"Abigail Rueger","sameAs":"","type":"Person","uri":"/author/abigail-rueger/","url":"https://fortune.com/author/abigail-rueger/","role":"Deputy Editor, Banking","funFactHeader":"","funFactValue":"","social":{"instaUrl":"","linkedinUrl":"https://www.linkedin.com/in/abigail-rueger-9a8941129/","twitterUrl":"","__typename":"AuthorSocialUrlsFields"},"shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eAbigail Rueger is a deputy editor on the banking team at Fortune Recommends. She is passionate about personal finance and offering consumers actionable steps for making positive life changes. Prior to joining Fortune, Abigail spent four years as an editor for Choosing Therapy, a startup dedicated to providing the best mental health information on the web. \u003c/span\u003e\u003c/p\u003e\n","__typename":"Co-authors"}],"breadcrumbs":{"items":[{"label":"PERSONAL FINANCE","link":"https://fortune.com/recommends/personal-finance/"},{"label":"BANKING","link":"/recommends/banking/"},{"label":"BEST SAVINGS ACCOUNTS OF NOVEMBER 2024: COMPARE RATES, FEES, AND MORE","link":""}]},"bypassPaywall":{"postBypassLinkEnabled":"","postBypassLinkUnique":""},"canonicalUrl":null,"channel":"Banking","content":"\u003cp\u003eSavings account interest rates have reached new heights in the past two years, but a top-tier APY is just one piece of the puzzle. You also want to put your money where you won’t incur any unnecessary fees or have to maintain a huge balance to earn the advertised rate.\u0026nbsp;\u003c/p\u003e\u003cdiv class=\"paywall-selector\"\u003e\u003c/div\u003e\u003cdiv class=\"paywall\"\u003e\n\n\n\n\u003cp\u003eIf you’re looking for the right place to keep your savings but aren’t sure where to start, don’t worry: we’ve got your back. The Fortune Recommends team regularly reviews more than 60 high-yield savings accounts to bring you our top picks based on annual percentage yield (APY), deposit requirements, fees, and more.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details why-trust-us-widget is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eWhy trust Fortune Recommends\u003c/summary\u003e\n\u003cp\u003eOur editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. Read more about our \u003ca href=\"https://fortune.com/fortune-recommends-editorial-guidelines/\"\u003eeditorial guidelines\u003c/a\u003e and the \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e for the ratings below.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003e\u003c/h4\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eMore than 60 financial institutions compared\u003c/li\u003e\n\n\n\n\u003cli\u003eOver 600 data points tracked\u003c/li\u003e\n\n\n\n\u003cli\u003e4 layers of fact-checking\u003c/li\u003e\n\n\n\n\u003cli\u003eGuided by over 25 years of banking experience \u003c/li\u003e\n\u003c/ul\u003e\n\u003c/details\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003e\u003cstrong\u003eThe 5 highest-paying savings rates today\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf your top priority is simply finding the top interest rates, you may want to narrow your search to a high-yield savings account. Our team has partnered with industry experts at Curinos to help you find the highest savings interest rates available today, but please note that we may not have reviewed each of these banks in detail. Keep scrolling to learn more about banks we\u0026#8217;ve conducted extensive research on to give savers the most well-rounded intel.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Highest savings account rates (from Curinos)\" aria-label=\"Table\" id=\"datawrapper-chart-baFZY\" src=\"https://datawrapper.dwcdn.net/baFZY/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"281\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"top-10\"\u003e\u003cstrong\u003e10 best savings accounts of November 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eAccount type\u003c/th\u003e\u003cth\u003eBest for:\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eAPY\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eMinimum opening deposit\u003c/th\u003e\u003cth class=\"has-text-align-center\" data-align=\"center\"\u003eLearn more\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003cmark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-cyan-color\"\u003eFeatured Partner\u003c/mark\u003e\u003cbr\u003eSoFi® Checking \u0026amp; Savings (Member FDIC)\u003c/td\u003e\u003ctd\u003eA generous welcome offer; up to $300\u003csup\u003e\u003ca href=\"#disclaimer\"\u003e1\u003c/a\u003e\u003c/sup\u003e\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eUp to 4.20%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat SoFi\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eLendingClub High-Yield Savings\u003c/td\u003e\u003ctd\u003eATM access\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.75%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat LendingClub\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eNewtek Bank High-Yield Savings\u003c/td\u003e\u003ctd\u003eThose who want a well-established industry name\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.25%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eFirst Foundation Bank\u003c/td\u003e\u003ctd\u003eIn-person banking services\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.75%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$1000\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings\u0026amp;tag.subid=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eQuontic Bank High-Yield Savings\u003c/td\u003e\u003ctd\u003eEasy-to-reach customer service\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://oc.brcclx.com/t?lid=26698288\u0026amp;tid=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat Quontic\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eEvergreen Bank\u003c/td\u003e\u003ctd\u003eNew savers\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.50%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$100\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eLaurel Road High Yield Savings\u003c/td\u003e\u003ctd\u003eSavings plus loan refinancing\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.50%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eCustomers Bank\u003c/td\u003e\u003ctd\u003eLow minimum deposit\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e3.55%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$1\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eForbright Bank\u003c/td\u003e\u003ctd\u003eClimate conscious banking\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e5.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=forbright-business-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003eAlly Bank\u003c/td\u003e\u003ctd\u003eOnline banking\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e4.00%\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e$0\u003c/td\u003e\u003ctd class=\"has-text-align-center\" data-align=\"center\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"\u003eView offer\u003c/a\u003e\u003cbr\u003eat MoneyLion\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cfigcaption class=\"wp-element-caption\"\u003e10 best savings accounts\u003c/figcaption\u003e\u003c/figure\u003e\n\n\n\n\u003cp class=\"has-text-align-center\"\u003e\u003cem\u003e*Rates updated daily but are subject to change. You can \u003ca href=\"#methodology\"\u003eread our full methodology here\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\n\u003cscript type=\"application/javascript\" src=\"https://www.moneylion.com/network/fortune/calculators/web-component/savings-calculator/index.js\"\u003e\u003c/script\u003e\n\u003cmoneylion-savings-calculator\u003e\u003c/moneylion-savings-calculator\u003e\n\n\n\n\u003chr class=\"wp-block-separator has-alpha-channel-opacity\"/\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eThe best savings accounts: our top picks\u003c/h2\u003e\n\n\n\n\u003cp\u003eWe rounded up accounts currently offering APYs of more than 4% to help you choose the best account for your savings. Here’s a quick look at 10 high-yield savings accounts available today.\u003c/p\u003e\n\n\n\n\u003cp\u003eRates and fees are up to date as of November 1, 2024, and are subject to change.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"sofi\"\u003e\u003cstrong\u003eSoFi\u003c/strong\u003e: Best savings account for a welcome offer; up to $300\u003c/h3\u003e\n\n\n\n\u003cp\u003eSoFi (which stands for Social Finance, Inc.) began as a student loan refinancing company and has since expanded into a broad financial services company that offers a range of products, including bank accounts, loans, investments, insurance, and more. SoFi operates primarily online and does not have physical branches.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n \u003cdiv class=\"card-banner\"\u003eFEATURED PARTNER\u003c/div\u003e\r\n \u003cdiv class=\"card-area-1\"\u003e\r\n \u003ch4 id=\"sofi\" class=\"card-title\"\u003e\u003ca href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3696053\u0026amp;subid2=card\" rel=\"nofollow noopener noreferrer\"\u003eSoFi® Checking \u0026amp; Savings\u003c/a\u003e\u003c/h4\u003e\r\n\u003cp class=\"card-subtitle\"\u003e\u003cstrong\u003eMember FDIC\u003c/strong\u003e\u003c/p\u003e\r\n \u003csection class=\"card-description\"\u003e\r\n \u003ctable\u003e\r\n \u003ctbody\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eAPY\u003c/td\u003e\r\n \u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.20%\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003eUp to 4.20%*\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n \u003ctd\u003e$0\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n \u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003ctr\u003e\r\n \u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n \u003ctd\u003eNone\u003c/td\u003e\r\n \u003c/tr\u003e\r\n \u003c/tbody\u003e\r\n \u003c/table\u003e\r\n \u003c/section\u003e\r\n \u003c/div\u003e\r\n \u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3781284 size-medium\" src=\"https://content.fortune.com/wp-content/uploads/2024/01/image-1.png?w=300\" alt=\"\" width=\"300\" height=\"145\" /\u003e\u003c/div\u003e\r\n \u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3696053\u0026amp;subid2=card\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eOpen Account\r\n \u003c/a\u003e\r\n \u003c/div\u003e\r\n \u003cdiv class=\"card-area-4\"\u003e\r\n \u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\r\n \u003c!-- pannel 1 --\u003e\r\n \u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n \u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\n About\r\n \u003c/label\u003e\r\n \u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eSoFi (which stands for Social Finance, Inc.) began as a student loan refinancing company and has since expanded into a broad financial services company that offers a range of products, including bank accounts, loans, investments, insurance, and more. SoFi operates primarily online and does not have physical branches.\r\n\u003cbr\u003e\u003ci\u003eMember FDIC\u003c/i\u003e\r\n\u003c/div\u003e\r\n \u003c!-- pannel 2 --\u003e\r\n \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e\r\n \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003e\r\n Additional Details\r\n \u003c/label\u003e\r\n \u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e\r\n\r\n\u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eSoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\r\n\u003c/div\u003e\r\n \u003ca class=\"button-mobile\" href=\"https://refer.sofi.com/c/5196544/1270333/11190?adcampaigngroup=bank\u0026amp;adnetwork=BD\u0026amp;subid1=3696053\u0026amp;subid2=card\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eOpen Account\r\n \u003c/a\u003e\r\n \u003c/section\u003e\r\n \u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eSoFi offers a savings and checking account combo—so when you sign up, you automatically get a checking account, too. With the SoFi savings account, you can score a stellar interest rate and welcome bonus.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe savings account offers up to a 4.20% APY and a \u003ca href=\"https://fortune.com/recommends/banking/sofi-direct-deposit-incentive/\"\u003e$50 to $300 welcome bonus\u003c/a\u003e, depending on the direct deposit requirements you meet. You’ll also receive a debit card, so you can easily access your cash.\u003c/p\u003e\n\n\n\n\u003cp\u003eOne unique perk of SoFi’s Money is its “vault” system. A customer can create up to 20 vaults with distinctions for specific savings goals, such as an emergency fund or vacation. This money is not technically in a separate account, it’s earmarked with whatever designation you give it, so it still earns the APY you receive based on your direct deposit amount.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSoFi also has an ATM network with over 55,000 locations\u003csup\u003e\u003ca href=\"#disclaimer-2\"\u003e2\u003c/a\u003e\u003c/sup\u003e and a well-rated mobile app, where you can make mobile deposits, pay bills, send money, and more.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eSoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi members with direct deposit are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from SoFi\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking\u003c/td\u003e\u003ctd\u003e$0 minimum opening deposit\u003cbr\u003eNo monthly fees\u003csup\u003e\u003ca href=\"#disclaimer-3\"\u003e3\u003c/a\u003e\u003c/sup\u003e\u003cbr\u003e0.50% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eInvestments\u003c/td\u003e\u003ctd\u003eTrade stocks, exchange-traded funds (ETFs), and more within the app with no commissions\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLoans\u003c/td\u003e\u003ctd\u003ePrivate student loans, student loan refinancing, personal loans, mortgage loans, auto loans, and more\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/sofi-bank-review/\"\u003eSoFi Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"lendingclub\"\u003eLendingClub: Best savings account for ATM access\u003c/h3\u003e\n\n\n\n\u003cp\u003eLendingClub is a financial technology (fintech) company with roots that stretch back to 2007 and since then the company has grown to serve more than 4 million members. LendingClub offers a broad range of financial products and services including\u003ca href=\"https://fortune.com/recommends/loans/what-is-a-personal-loan/\"\u003e personal and business loans\u003c/a\u003e, auto refinancing, as well as personal and business banking accounts.\u003c/p\u003e\n\n\n\n\u003cp\u003eIn an effort to keep costs low for consumers, LendingClub does not have any brick-and-mortar branches although customers do have access to a network of more than 20,000 surcharge-free ATMs. LendingClub offers both an online and mobile banking platform that has a three- and four-star rating, respectively, on Google Play and the App Store.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"lendingclub\" class=\"card-title\"\u003eLendingClub High-Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;4.75%\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e4.75%\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$100\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$100\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e\u003cspan data-sheets-root=\"1\" data-sheets-value=\"{\u0026quot;1\u0026quot;:2,\u0026quot;2\u0026quot;:\u0026quot;$0\u0026quot;}\" data-sheets-userformat=\"{\u0026quot;2\u0026quot;:33554688,\u0026quot;11\u0026quot;:3,\u0026quot;28\u0026quot;:1}\" data-sheets-formula=\"=CONCATENATE(\u0026quot;\u0026quot;)\"\u003e$0\u003c/span\u003e\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_LendingClub_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://offers.moneylion.com/channelTrackingOfferRedirect/631543b7-5a99-42e0-b4b8-9b98ed4b6d92/7730fd4f-e907-4d31-b88e-89806ac20f06?tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat LendingClub\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional Details\u003c/label\u003e\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nIf you ever need customer service help, you get in touch with customer support via phone call Monday through Saturday from 8:00 am to 8:00 pm ET.\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith the LendingClub savings account, you can earn a 4.75% APY with few strings attached—you’ll\u0026nbsp; need to make a minimum opening deposit of $100 and then maintain a balance of at least $0 to earn the APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003ePlus, even though it’s a savings account, you’ll receive an ATM card to access your cash when you need it.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt also offers free unlimited external transfers, plus a well-rated app available on Android and Apple devices, where you can check your balance, move money, make mobile deposits, utilize financial tools, and more.\u003c/p\u003e\n\n\n\n\u003cp\u003eAs is obvious by its name, LendingClub could also be a great resource for anyone looking for a personal, auto, or business loan. It also offers programs to pay off credit cards and consolidate debt.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eLendingClub states that its savings account is tiered, meaning different balances earn different APYs. However, currently, each tier earns the same 4.75% interest.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from LendingClub\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking\u003c/td\u003e\u003ctd\u003e$25 minimum opening deposit\u003cbr\u003eNo monthly fees\u003cbr\u003eUp to 0.15% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$2,500 minimum opening deposit\u003cbr\u003eAPYs up to 4.00%\u003cbr\u003eTerm lengths from 6–60 months\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLoans\u003c/td\u003e\u003ctd\u003ePersonal loans, debt consolidation loans, auto loans, patient care financing, and more\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/recommends/banking/lendingclub-review/\"\u003eLendingClub review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"newtek\"\u003e\u003cstrong\u003eNewtek Bank\u003c/strong\u003e: Best savings account for those wanting a well-established name\u003c/h3\u003e\n\n\n\n\u003cp\u003eNewtek Bank is a division of the company NewtekOne. Its personal banking offerings are a high-yield savings account and a money market account, and it also offers business products, including checking and a business MMA. With a focus on business solutions, business owners can have access to a digital dashboard to help them learn where money is going.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"newtek\" class=\"card-title\"\u003eNewtek Bank Personal High Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e5.25%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Newtek_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomers can call Newtek Bank and receive support 24/7, or they can send an email to digitalbanking@newtekone.com. \r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=newtek-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eAt Newtek Bank, you can earn a hefty 5.25% APY on your savings and enjoy no minimum deposit or monthly fees. You’ll also get to skip pesky expenses such as service charges and transaction fees. You need to keep at least a penny in the account to earn the APY. Since your Newtek savings account is fully online, you can check in on your savings easily via the online banking portal. Opening a new account is simple—all it takes is two minutes to fill out the necessary information.\u003c/p\u003e\n\n\n\n\u003cp\u003eLike many savings accounts, Newtek Bank’s high-yield savings account allows for six transfers per monthly statement cycle. These withdrawals can only be transferred to the original external bank you’ve linked to the account.\u003c/p\u003e\n\n\n\n\u003cp\u003eNewtek Bank’s mobile app is highly rated, with an average of 4.5 stars between Apple and Android platforms. It has options for fingerprint and face ID, keeping your account safe, and allows you to track and transfer balances on your phone.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eEven though there are no minimum deposit requirements, during the signup process, you’ll be required to link an external bank to fund your account. Additionally, mobile deposits on the app are only available for business accounts.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Newtek Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$2,500 opening deposit\u003cbr\u003eAPYs up to 4.75%\u003cbr\u003eTerm lengths ranging from 6–60 months\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBusiness banking\u003c/td\u003e\u003ctd\u003eBusiness checking account, MMA, bill pay, payroll, and more\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/preview/recommends/banking/newtek-bank-review/\"\u003eNewtek Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"first-foundation\"\u003eFirst Foundation Bank: Best savings account for in-person banking services\u003c/h3\u003e\n\n\n\n\u003cp\u003eFirst Foundation Bank was initially founded to serve wealth advisory clients but has expanded to provide a range of banking products, including checking, savings, MMAs, and CDs. It highly prioritizes customer service.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"first-foundation-bank\" class=\"card-title\"\u003eFirst Foundation Bank Online Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.75%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Balance Required to Earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum Opening Deposit\u003c/td\u003e\r\n\u003ctd\u003e$1000\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly Maintenance Fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3857949 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/05/First_Foundation_Bank_logo.png\" alt=\"\" width=\"300\" height=\"191\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=first-foundation-bank-savings\u0026amp;tag.subid=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion two-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 2 --\u003e \u003cinput id=\"control1-[ID]\" role=\"tab\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content1-[ID]\" /\u003e \u003clabel id=\"label1-[ID]\" tabindex=\"0\" role=\"button\" for=\"control1-[ID]\"\u003eAdditional Details\u003c/label\u003e\r\n\u003cdiv id=\"content1-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label1-[ID]\"\u003e24/7 telephone support for general inquiries, plus virtual and email support options\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eFirst Foundation Bank’s Online Savings account offers a 4.75% APY and $0 in monthly fees. Interest compounds daily and is posted to the account monthly.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt marries the best of online and mobile banking with the option for brick-and-mortar access to those in California, Florida, Nevada, Hawaii, and Texas, though the minimum deposit of $1000 may be steep for some.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eFirst Foundation Bank’s Online Savings Account can be opened by anyone in the U.S., but with its focus on in-person service and high-touch money management, customers who live close to a physical branch location may get more out of banking with First Foundation than online users.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from First Foundation Bank\u003c/summary\u003e\n\u003cp\u003eAlong with its Online Savings Account, First Foundation offers checking accounts, CDs, and an MMA.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003eThree offerings: Personal Checking, Personal Interest Checking, and Senior Interest Checking\u003cbr\u003eMinimum opening deposit: $100\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003eAPY: 4.75%\u003cbr\u003eMinimum deposit to open: $1000\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eTop APY: 4.40\u003cbr\u003eTerm lengths: 9 and 12 months\u003cbr\u003eMinimum deposit to open: $100\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/first-foundation-bank-review/\"\u003eFirst Foundation Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"quontic\"\u003eQuontic Bank: Best savings account for easy-to-reach customer service\u003c/h3\u003e\n\n\n\n\u003cp\u003eQuontic began as a community bank in New York City in 2009 and is now a digital bank with product offerings nationwide, including checking and savings accounts as well as mortgages. It focuses on providing accessible home loans, but its personal banking products have competitive rates as well.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"quontic\" class=\"card-title\"\u003eQuontic Bank High Yield Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.00%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Fortune_Recommends_Quontic_Bank_Logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=quontic-bank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nQuontic began as a community bank in New York City in 2009 and is now a digital bank with product offerings nationwide including checking and savings accounts as well as mortgages.\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=quontic-bank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eTo open a Quontic high-yield savings account, you’ll only need $100. After that, you get a solid 4.00% APY without paying any monthly maintenance fees. Users can request an ATM card for the account, making your money accessible at over 90,000 fee-free ATM locations. Additionally, there are never any overdraft fees.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eQuontic compounds interest daily based on your posted account balance, getting you more for your money, and credited to your account at the end of your statement cycle each month. Quontic also claims that you can apply for the account in three minutes or less. It also offers 100% United States-based customer service that can be reached by chat or phone.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThere are a few rare fees to be aware of:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eDormant account (per month):\u003c/strong\u003e $5\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eReturn deposited item:\u003c/strong\u003e $10\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eStop payment:\u003c/strong\u003e $20\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eWire transfer outgoing foreign (customers):\u003c/strong\u003e $35 plus correspondent\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eWire transfer outgoing domestic (customers):\u003c/strong\u003e $25 plus correspondent\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Quontic Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking account\u003c/td\u003e\u003ctd\u003e$100 minimum opening deposit\u003cbr\u003eNo monthly fees\u003cbr\u003eUp to 1.10% APY\u003cbr\u003eATM network with over 90,000 locations\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003e$100 opening deposit\u003cbr\u003e4.75% APY\u003cbr\u003eComes with a debit card\u003cbr\u003eNo transaction limits\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$500 minimum opening deposit\u003cbr\u003eUp to 4.25% APY\u003cbr\u003eFive term lengths, from 6–60 months\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLoans\u003c/td\u003e\u003ctd\u003eMortgage loans, mortgage refinancing, and HELOCs\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/quontic-bank-review/\"\u003eQuontic Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"evergreen\"\u003eEvergreen Bank: Best savings account for new savers\u003c/h3\u003e\n\n\n\n\u003cp\u003eFounded in 2006, Evergreen Bank Group is an Illinois-based bank with personal and business banking products such as checking and savings accounts and loans.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"evergreen\" class=\"card-title\"\u003e\u003ca href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3696053\" rel=\"nofollow noopener noreferrer\"\u003eEvergreen Bank Group High-Yield Online Savings\u003c/a\u003e\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.50%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$100\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/06/The-Evergreen-Bank-logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eEvergreen Bank can be reached by phone or email. Its website states it will respond within one business day.\r\n\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=evergreen-bank-savings\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eEvergreen Bank offers a generous 4.50% APY on its high-yield savings account, with a minimum deposit requirement of $100. With no monthly fees and no minimum required to earn the APY, this account could be a great option for new savers looking to grow their funds long-term. Interest is compounded daily and credited to your account monthly.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith a mobile app that is rated over four stars on the Google Play Store and the Apple App Store, you can make mobile check deposits, view e-statements, and transfer money internally and from external accounts.\u003c/p\u003e\n\n\n\n\u003cp\u003eAs a full-service online bank, Evergreen offers a wide range of deposit accounts, including rewards and cash-back checking, a variety of savings accounts for different purposes (such as a kids account and a Christmas Club account), a money market account, CDs, and loans.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eYou can fund your account through a debit card or an ACH transfer. Those with large deposit amounts will want to consider that the APY can only be earned on accounts with a million dollars or less. Also, dormant accounts will have a monthly $5 fee if they go unused for 18 months.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Evergreen Bank\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking accounts\u003c/td\u003e\u003ctd\u003eUp to 4.00% APY\u003cbr\u003e$100 minimum opening deposit\u003cbr\u003eSome accounts offer unlimited ATM reimbursement\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMMA\u003c/td\u003e\u003ctd\u003e$2,500 minimum opening deposit\u003cbr\u003e$15 monthly fee, waived if ADB is $2,500 or more\u003cbr\u003eUp to 0.50% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$500 minimum opening deposit\u003cbr\u003eUp to -% APY on the 6-month CD\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/evergreen-bank-review/\"\u003eEvergreen Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"laurel\"\u003eLaurel Road: Best savings account for savings plus loans\u003c/h3\u003e\n\n\n\n\u003cp\u003eLaurel Road is an online-only bank, offering products such as student loan refinancing, checking and savings accounts, personal loans, and more. It became part of Key Bank in 2019, one of the nation’s largest financial institutions. Its focus is on loans, specifically student loan refinancing, but it also has competitive rates on its checking and savings accounts.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch4 id=\"laurel\" class=\"card-title\"\u003eLaurel Road High Yield Savings\u003c/h4\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e4.50%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/Recommends_Laurel-Road-logo.png\" /\u003e\u003c/div\u003e \r\n\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings\u0026#038;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eLearn more\r\n\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannels\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel id=\"label0-[ID]\" tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\r\n\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003eLaurel Road is an online division of KeyBank, offering products such as student loan refinancing, checking and savings accounts, personal loans, and more.\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=laurel-road-savings\u0026#038;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener noreferrer nofollow\"\u003eLearn more\r\n\u003c/a\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eLaurel Road’s bread and butter is student loan refinancing, and it offers several account perks designed specifically for those who maintain student loans with it. Additionally, its high-yield savings accounts with rates up to 4.50% make it an attractive option for those who are only looking for a place to park a chunk of change.\u003c/p\u003e\n\n\n\n\u003cp\u003eWith no fees and no minimum opening deposit, it’s incredibly simple to get started with a Laurel Road savings account. You can send a transfer from an external bank account, set up a domestic wire transfer, do a direct deposit or mobile deposit, or even mail in a check to fund your account.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIn addition to its high-yield savings account, Laurel Road offers a linked savings account, where you can get an extra .25% off your refinance rate when you refinance your student loans along with opening the account.\u003c/p\u003e\n\n\n\n\u003cp\u003eIf you ever have an issue, Laurel Road can be reached by phone (the general inquiry line is open from 8 a.m. to 8 p.m. Eastern time), email, or live chat.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eLaurel Road says its high-yield savings account is tiered, but all current tiers offer a 4.50% APY.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Laurel Road\u003c/summary\u003e\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking account\u003c/td\u003e\u003ctd\u003e$100 account opening bonus\u003cbr\u003e$0 minimum opening deposit\u003cbr\u003eNo monthly fees\u003cbr\u003eAPY up to 0.01%\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eLoans\u003c/td\u003e\u003ctd\u003eStudent loans, personal loans, mortgages, and more\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCredit cards\u003c/td\u003e\u003ctd\u003eGet 2% cash back toward student loans and 1% on all other purchases with the Laurel Road Student Loan Cashback Card\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more:\u003c/strong\u003e Read our \u003ca href=\"https://fortune.com/recommends/banking/laurel-road-review/\"\u003eLaurel Road review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"customers\"\u003eCustomers Bank: Best savings account for a low minimum deposit\u003c/h3\u003e\n\n\n\n\u003cp\u003eCustomers Bank has physical locations in Colorado, Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania Rhode Island and Texas, and it also offers online banking products, including checking and savings accounts, CDs, and personal loans. Small business and commercial banking products are available as well.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"customers\" class=\"card-title\"\u003eCustomers Bank High Yield Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e3.55%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$1\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/04/Customers_Bank_logo.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\r\n\r\n\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomer service is available by phone seven days a week from 9 a.m. to 6 p.m. ET\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=customersbank\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\n\u003cp class=\"cta-caption\"\u003eat MoneyLion\u003c/p\u003e\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eCustomers Bank offers a 3.55% APY, and you can open an account with only $1. Charity is a huge part of Customers Bank’s mission, so a portion of its earnings go toward funding affordable housing, family services, and education.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThrough Raisin, users can have 24/7 access to their funds and a streamlined digital platform for all their banking needs.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eThis savings account is only accessible through the third-party banking platform, Raisin. Customer Bank’s Personal Savings account on its website requires a $25,000 minimum opening deposit.\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Customers Bank\u003c/summary\u003e\n\u003cp\u003eWhile the only product available on Raisin is the High-Yield Savings account, Customers Bank also offers a checking account, CDs, and personal loans and mortgages.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eInterest Checking account\u003c/td\u003e\u003ctd\u003eAPY: Up to 2.00%\u003cbr\u003eMinimum opening deposit: $0\u003cbr\u003eMonthly fees: $0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum deposit to open: $500\u003cbr\u003eTerm lengths: 24–60 months\u003cbr\u003eTop APY: 4.35%\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/banking/customers-bank-review/\"\u003eCustomers Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"forbright\"\u003eForbright Bank: Best savings account for climate conscious banking\u003c/h3\u003e\n\n\n\n\u003cp\u003eForbright Bank is a climate-conscious bank offering online deposit products, including personal savings and CDs, loans, and business banking.\u0026nbsp;\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"forbright\" class=\"card-title\"\u003eForbright Bank Growth Savings\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e5.00%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0.01\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-image card-area-2\"\u003e\u003cimg decoding=\"async\" class=\"alignnone wp-image-3836333 size-medium\" src=\"https://fortune.com/img-assets/wp-content/uploads/2024/10/forbright.png\" /\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nCustomer service is available by phone Monday through Friday from 8 am to 8 pm, ET.\r\n\r\n\u003c/div\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eForbright Bank’s Growth Savings account offers a generous 5.00% APY, no minimum deposit to open, and no monthly fee. Customers can sign up quickly online, and the digital platform on both desktop and mobile is sleek and simple to navigate.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eForbright Bank’s mission is to provide top-tier banking products while maintaining its values as a sustainably-minded institution. Customers can rest easy knowing their money isn’t being used to fund any fossil fuel extraction or infrastructure, and instead helps climate-conscious projects such as solar instillation, green building upgrades, and accessible healthcare.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eForbright Bank does not offer a personal checking account, so if you’re determined to do all your banking at one institution you’ll have to look elsewhere. Additionally, this account doesn’t come with a debit card or ATM capabilities.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Forbright Bank\u003c/summary\u003e\n\u003cp\u003eIn addition to its Growth Savings account, Forbright Bank offers CDs in a few different term lengths:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003eMinimum deposit to open: $25\u003cbr\u003eTerm lengths: 9–60 months\u003cbr\u003eTop APY: 4.25\u003cbr\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\" id=\"ally\"\u003eAlly Bank: Best savings account for online banking\u003c/h3\u003e\n\n\n\n\u003cp\u003eAlly Bank is an online-only bank that offers a wide range of products and services like checking and savings accounts, credit cards, personal loans, and robo-advisors.\u003c/p\u003e\n\n\n\u003cdiv class=\"product-card-inline-wrapper\"\u003e\r\n\u003cdiv class=\"card-area-1\"\u003e\r\n\u003ch3 id=\"ally\" class=\"card-title\"\u003eAlly Bank Savings Account\u003c/h3\u003e\r\n\u003csection class=\"card-description\"\u003e\r\n\u003ctable\u003e\r\n\u003ctbody\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eAPY\u003c/td\u003e\r\n\u003ctd\u003e3.85%\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum balance required to earn APY\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMinimum opening deposit\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003ctr\u003e\r\n\u003ctd\u003eMonthly maintenance fee\u003c/td\u003e\r\n\u003ctd\u003e$0\u003c/td\u003e\r\n\u003c/tr\u003e\r\n\u003c/tbody\u003e\r\n\u003c/table\u003e\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003e\u003ca class=\"button-desktop\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\u003c/div\u003e\r\n\u003cdiv class=\"card-area-3\"\u003eat MoneyLion\u003c/div\u003e\r\n\u003cdiv class=\"card-area-4\"\u003e\u003csection class=\"card-accordion one-pannel\" role=\"tablist\"\u003e\u003c!-- pannel 1 --\u003e\r\n\u003cinput id=\"control0-[ID]\" role=\"tab\" checked=\"checked\" name=\"accordion-pannel-[ID]\" type=\"radio\" aria-controls=\"content0-[ID]\" /\u003e\r\n\u003clabel tabindex=\"0\" role=\"button\" for=\"control0-[ID]\"\u003e\r\nAdditional details\u003c/label\u003e\r\n\u003cdiv id=\"content0-[ID]\" class=\"card-accordion-panel\" role=\"tabpanel\" aria-labelledby=\"label0-[ID]\"\u003e\r\n\r\nPhone support is available Monday through Friday from 8 am - 11 pm ET and Saturday, 9 am - 7 pm ET.\r\n\r\n\u003c/div\u003e\r\n\u003ca class=\"button-mobile\" href=\"https://fiona.com/partner/fortune-bridge/savings?bridge_partner=ally\u0026amp;tag.sub_id=3696053\" target=\"_blank\" rel=\"noopener nofollow\"\u003eView offer\u003c/a\u003e\r\nat MoneyLion\r\n\r\n\u003c/section\u003e\u003c/div\u003e\r\n\u003c/div\u003e\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhy we picked it\u003c/h4\u003e\n\n\n\n\u003cp\u003eWith no minimum opening deposit requirement or monthly maintenance fees, the Ally savings account is a low-cost, accessible high-yield savings account that offers a stellar 3.85%% APY.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eIt’s a great option for those who are new to saving. The savings account offers a host of personal finance tools, such as savings buckets that allow you to allocate money towards specific goals. Plus, if you have a linked checking account, you may be eligible for the round-up feature which rounds up transactions from your checking account and then deposits them in your savings account.\u003c/p\u003e\n\n\n\n\u003ch4 class=\"wp-block-heading\"\u003eWhat to consider before opening\u003c/h4\u003e\n\n\n\n\u003cp\u003eRight now, Ally Bank offers its 3.85%% APY on all balance tiers, but it is possible this structure could change in the future. Current tiers are as follows:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eLess than $5,000\u003c/li\u003e\n\n\n\n\u003cli\u003eBetween $5,000 and $24,999.99\u003c/li\u003e\n\n\n\n\u003cli\u003e$25,000 or more\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cdetails class=\"wp-block-details h4 is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003eMore rates and products from Ally Bank\u003c/summary\u003e\n\u003cp\u003eAlly offers a full suite of personal banking products:\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group simple-table-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading\"\u003e\u003c/h3\u003e\n\n\n\n\u003cfigure class=\"wp-block-table\"\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eChecking\u003c/td\u003e\u003ctd\u003eUp to 0.25% APY\u003cbr\u003e$0 minimum opening deposit\u003cbr\u003eGet paid up to two days early\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMoney market account\u003c/td\u003e\u003ctd\u003e$0 minimum opening deposit\u003cbr\u003eNo monthly fee\u003cbr\u003e3.85% APY\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCDs\u003c/td\u003e\u003ctd\u003e$0 minimum opening deposit\u003cbr\u003eUp to 4.30% APY on the 9-month CD\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003c/figure\u003e\n\u003c/div\u003e\u003c/div\u003e\n\u003c/details\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eLearn more: \u003c/strong\u003eRead our \u003ca href=\"https://fortune.com/recommends/article/ally-bank-review/\"\u003eAlly Bank review\u003c/a\u003e\u003c/p\u003e\n\n\n\n\u003cdiv class=\"myFinance-widget\" data-ad-id=\"5c6ba399-d32f-4e30-9722-8373c50873c3\" data-campaign=\"fortune-savings-multi\" data-sub-id=\"sav-multi-bank\"\u003e\u003c/div\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eInsight from Kristy Snyder, Fortune contributor\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"If you're afraid to dabble in investments, opening a savings account with a high annual percentage yield (APY) is almost as good in today's market. It's easy to find a savings account with over 5% interest, which might not be as high as stock market returns but, with no risk involved, you can't beat it.\"\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"top-accounts\"\u003e\u003cstrong\u003eTop high-yield savings accounts in November 2024\u003c/strong\u003e\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile we evaluated the above institutions based on multiple criteria, the earnings potential of a savings account is often the key factor of concern. Below are some of the highest-yield savings accounts based on APY. Each account is backed by the \u003ca href=\"https://fortune.com/recommends/banking/what-is-fdic-insurance/\"\u003eFDIC\u003c/a\u003e and insured up to $250,000 per depositor, per account, giving you peace of mind that your savings are protected no matter what.\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003e\u003cem\u003eNote: \u003c/em\u003e\u003c/strong\u003e\u003cem\u003eAPYs in our list below are updated daily but are subject to change.\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best high-yield savings accounts of October 2024*\" aria-label=\"Table\" id=\"datawrapper-chart-o8Q1B\" src=\"https://datawrapper.dwcdn.net/o8Q1B/6/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"461\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"news\"\u003eRecent news that could impact your savings account interest rates\u003c/h2\u003e\n\n\n\n\u003cp\u003eThe Federal Reserve meets regularly to decide whether to raise or lower the \u003ca href=\"https://fortune.com/recommends/banking/how-fed-rates-impact-savings-accounts/\"\u003efederal funds rate\u003c/a\u003e, which was just lowered from 5.25%–5.5% down to 4.75%–5.25% at the September 18 meeting. When the Fed rate is higher, borrowing money costs more, meaning taking out a loan and carrying credit card debt will be more expensive. However, high interest rates mean that banks offer better rates on savings products, including high-yield savings accounts and CDs.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eNow is a good time to put money into high-yield accounts, especially if they have fixed rates, as rates are likely to continue to drop.\u003c/p\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eMarket insight\u003c/h3\u003e\n\n\n\n\u003cp\u003e\"On September 18, 2024, the Fed dropped its interest rate by 0.50 basis points, and further drops are expected as inflation reaches target numbers. That’s likely to bring down savings rates, so you can expect to see a lower return on high-yield savings accounts in the coming months and years.\" - \u003cem\u003eDana Miranda, CEPF® and personal finance journalist\u003c/em\u003e\u003c/p\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"definition\"\u003eWhat is a savings account?\u003c/h2\u003e\n\n\n\n\u003cp\u003eA savings account is a type of deposit account offered by banks, credit unions, and other types of financial institutions. Savings accounts allow you to keep your money on deposit in exchange for earning interest. The exact interest rate will depend on the financial institution and can range from 0.01% to upwards of 5%.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eSavings accounts are also a fairly liquid type of account, which means you can access your money just about as often as you want. Some banks may limit the number of withdrawals you can make in a month (typically, it’s six transactions per month), but you’re still able to exceed any withdrawal cap in place—you’ll just need to pay a fee on each additional transaction.\u003c/p\u003e\n\n\n\n\u003cp\u003eFinally, savings accounts are considered one of the safest places to keep your money because unlike market investments, there is no risk to your principal deposit. Plus, your money is insured up to $250,000 per depositor, per institution, as long as your bank is backed by the FDIC (or the NCUA for credit unions).\u003c/p\u003e\n\n\n\n\u003cp\u003eFinally, savings accounts are considered one of the safest places to keep your money because, unlike market investments, there is no risk to your principal deposit. Plus, your money is insured up to $250,000 per depositor, per institution as long as your bank is backed by the FDIC or the National Credit Union Administration (NCUA) for credit unions.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"pros-and-cons\"\u003eWhat are the pros and cons of high-yield savings accounts?\u003c/h2\u003e\n\n\n\u003cp\u003e\u003cstyle\u003eN/A\u003c/style\u003e\n\u003c/p\u003e\n\u003cdiv class=\"pros_cons\"\u003e\n\u003cdiv\u003e\n\u003ch3\u003ePros\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eLiquid\u003c/li\u003e\n\u003cli\u003eInsured by the government up to $250,000\u003c/li\u003e\n\u003cli\u003ePrincipal and interest are protected from loss\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003ch3\u003eCons\u003c/h3\u003e\n\u003cul\u003e\n\u003cli\u003eAPY can decrease\u003c/li\u003e\n\u003cli\u003eReturns can’t compete with stock market investments\u003c/li\u003e\n\u003cli\u003eThere could be a cap on monthly withdrawals\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\n\n\u003cp\u003eBefore you open a savings account, it’s important to consider the pros and cons of putting your money in one.\u003c/p\u003e\n\n\n\n\u003cp\u003eOf course, one of the biggest benefits of a savings account is that you can earn interest on your balance. The exact interest rate you receive may be higher or lower than the national average of 0.47% APY, but many of the high-yield accounts on our list have rates above 5.00%.\u003c/p\u003e\n\n\n\n\u003cp\u003eYou can also rest assured that your money is safe in a savings account. Unlike some types of investments, a savings account will never allow you to lose money. Plus, most high-yield accounts are insured by the FDIC or \u003ca href=\"https://fortune.com/recommends/banking/what-is-ncua-insurance/?showAdminBar=true\"\u003eNCUA\u003c/a\u003e up to $250,000 per depositor, per institution in the event of a \u003ca href=\"https://fortune.com/recommends/banking/what-happens-when-a-bank-fails/\"\u003ebank failure\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003cp\u003eThat said, there are some downsides to keeping your money in a savings account. For one, even high-yield savings accounts don’t offer the same level of earnings as\u0026nbsp;investing your money in the market. However, all savings accounts are sensitive to market fluctuations, and the APY can go up or down at the discretion of your bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eYou may also be limited in how many monthly withdrawals you can make. Your financial institution might charge a fee for each additional transaction over the limit.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"fees\"\u003eSavings account fees and requirements\u003c/h2\u003e\n\n\n\n\u003cp\u003eIf you plan to open a new savings account, it’s important to review the fees associated with the account and any requirements that need to be met to avoid fees. These may include:\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eMonthly fees:\u003c/strong\u003e Some financial institutions charge a monthly fee that’s meant to cover the administrative costs of providing a savings account. However, this fee can easily wipe out any interest you earn. The good news is that monthly maintenance fees can often be waived if you meet certain requirements, such as linking a checking account or maintaining a minimum balance in the savings account. Better yet, many banks and credit unions offer savings accounts with no monthly fees at all. So, when shopping around for a high-yield savings account, look for one that makes it easy to avoid fees.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum deposit requirements: \u003c/strong\u003eThe minimum deposit required to open a savings account and/or earn the specified interest rate varies widely. Some banks and credit unions offer savings accounts with no minimum deposit requirement, allowing customers to open an account with any amount—even just a few dollars. Other institutions might require a minimum deposit ranging from $25 to $100 or even more. (It’s more common for premium or specialty savings accounts to come with higher minimum deposit requirements.) It’s always a good idea to check with the specific financial institution regarding their minimum deposit requirements before opening an account.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-it-works\"\u003eHow do savings account interest rates work?\u003c/h2\u003e\n\n\n\n\u003cp\u003eFinancial institutions set their savings account rates loosely based on the \u003ca href=\"https://fortune.com/recommends/article/what-is-the-federal-funds-rate/\"\u003efederal funds rate\u003c/a\u003e. This is the interest rate that banks charge other banks to lend money overnight. When the \u003ca href=\"https://fortune.com/recommends/banking/the-fed-just-raised-rates-again/\"\u003eFed raises its rates\u003c/a\u003e, this can increase the cost of borrowing and push banks to raise their APYs to attract new customers.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eThe interest rate on a savings account is typically variable, meaning it can fluctuate over time. These rate changes are influenced by several factors, including monetary policy set by the Federal Reserve, general economic conditions, and competition among banks. It's a good practice to periodically check the interest rates of your savings accounts and compare them with rates offered by other institutions to ensure you’re maximizing your earnings.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhat is considered a high-yield savings account rate?\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe national average savings account rate is 0.47%, so a rate above that benchmark would be considered above average. However, many banks offer \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ehigh-yield savings accounts\u003c/a\u003e with as much as 4% to 5% APY. It pays to shop around to find the highest rates available if you’re looking for a new account.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eInterest rate vs. APY: what’s the difference?\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eThe interest rate on a savings account is essentially the base rate. The APY provides a more comprehensive view of your earnings by factoring in the effects of compounding and calculates how much you'll earn over the course of a year.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhat is 5% APY on $1,000?\u003c/strong\u003e\u003c/h3\u003e\n\n\n\n\u003cp\u003eTo determine how much $1,000 will make in a savings account, you need to know the APY of the account and the length of time you plan to keep the money deposited. Additionally, the frequency of interest compounding (daily, monthly, or annually) can impact your final amount.\u003c/p\u003e\n\n\n\n\u003cp\u003eFor example, if you deposited $1,000 into a high-yield savings account that earns 5% APY and compounds annually\u003cstrong\u003e, \u003c/strong\u003eyou’d have a total balance of about $1,050 at the end of one year (assuming you don’t make any more contributions). If the interest compounds daily, you’d have a bit more.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"How much you could make if you deposit $1,000 into a savings account with a 5.00% APY\" aria-label=\"Grouped Columns\" id=\"datawrapper-chart-FQSxX\" src=\"https://datawrapper.dwcdn.net/FQSxX/6/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"515\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e \n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003e\u003cstrong\u003eWhat is 5% APY on $10,000\u003c/strong\u003e?\u003c/h3\u003e\n\n\n\n\u003cp\u003eIf you deposited $10,000 into a savings account that earns 5% APY and compounds annually\u003cstrong\u003e, \u003c/strong\u003eyou’d have a total balance of a little over $10,500 at the end of one year (assuming you don’t make any more contributions). If the interest compounds daily, you’d have $10,512.67.\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"How much you could make if you deposit $10,000 into a savings account with a 5.00% APY\" aria-label=\"Grouped Columns\" id=\"datawrapper-chart-cxwLj\" src=\"https://datawrapper.dwcdn.net/cxwLj/4/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"324\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-choose\"\u003eHow to choose the best savings account\u0026nbsp;for you\u003c/h2\u003e\n\n\n\n\u003cp\u003eChoosing the right savings account requires careful consideration of your financial needs, preferences, and goals. Here are a few considerations to keep in mind as you shop around.\u003c/p\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eInterest rates\u003c/strong\u003e: One of the most important features of a savings account to evaluate is the interest rate or APY. This dictates how much your money can earn; the higher the rate, the more your money can grow over time.\u0026nbsp;Start by reviewing the national \u003ca href=\"https://www.fdic.gov/resources/bankers/national-rates/index.html\"\u003eaverage rates\u003c/a\u003e for savings accounts, which are regularly updated by the FDIC. Then look for a high-yield savings account that offers a rate at least 10 times that average.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eBalance requirements: \u003c/strong\u003eSome accounts require a minimum balance to avoid fees or to earn the advertised APY. Ensure you're comfortable with any minimum balance requirements. Better yet, look for an account that doesn’t have any minimums, especially if you’re just getting started with saving and don’t have a large balance built up yet.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eFees: \u003c/strong\u003eBe wary of monthly maintenance \u003ca href=\"https://fortune.com/recommends/article/common-bank-fees-and-how-to-avoid-them/\"\u003efees\u003c/a\u003e, excessive withdrawal fees, and other charges that could eat into your interest earnings. Some accounts may waive fees if you maintain a minimum balance or meet other criteria while others don’t charge these types of fees at all. Decide what types of fees you’re comfortable with and whether the perks of the account outweigh the potential costs.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eAccount access: \u003c/strong\u003eMany savings accounts are provided by online banks, which means you may not have physical branch access. If that’s the case, be sure the account offers access in other ways, such as via a large ATM network. Alternatively, you might prefer a financial institution that offers face-to-face support.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDigital tools: \u003c/strong\u003eIf you prefer the convenience of digital banking, be sure the account you choose is offered by a bank with robust online features and tools, such as a user-friendly mobile app, free and fast online transfers, digital deposits, and other tech-friendly options.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer service: \u003c/strong\u003eFinally, it’s important to consider how you’ll get in touch with a representative if you have a question or need help with your account. Some financial institutions take a hands-off approach and don’t offer easy access to a real human. Others are just a phone call or email away. Make sure the bank’s customer service options are aligned with your preferred method of communication.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\"\u003eSavings account rates at popular national banks\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhile the absolute best APYs can generally be found at online banks and other institutions with lower overhead costs, many consumers prefer the ease and comfort of a large bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eHere are the APYs and minimum opening deposit requirements for several popular banks and credit unions:\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-table optimized-table-widget\"\u003e\u003ctable\u003e\u003cthead\u003e\u003ctr\u003e\u003cth\u003eInstitution\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eAPY\u003c/strong\u003e\u003c/th\u003e\u003cth\u003e\u003cstrong\u003eMinimum opening deposit\u003c/strong\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd\u003eAmerican Express\u003c/td\u003e\u003ctd\u003e4.00%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlliant Credit Union\u003c/td\u003e\u003ctd\u003e3.10%\u003c/td\u003e\u003ctd\u003e$5\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eCapital One\u003c/td\u003e\u003ctd\u003e3.90%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eChase\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEverbank\u003c/td\u003e\u003ctd\u003e4.75%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eDiscover\u003c/td\u003e\u003ctd\u003e3.90%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eMarcus by Goldman Sachs\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eAlly Bank\u003c/td\u003e\u003ctd\u003e3.85%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eEvergreen Bank\u003c/td\u003e\u003ctd\u003e4.50%\u003c/td\u003e\u003ctd\u003e$100\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBank of America\u003c/td\u003e\u003ctd\u003e0.01%\u003c/td\u003e\u003ctd\u003e$100\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd\u003eBarclays\u003c/td\u003e\u003ctd\u003e4.10%\u003c/td\u003e\u003ctd\u003e$0\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cfigcaption class=\"wp-element-caption\"\u003e\u003cem\u003e*Rates are updated weekly and are subject to change\u003c/em\u003e\u003c/figcaption\u003e\u003c/figure\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"alternatives\"\u003eAlternatives to savings accounts\u003c/h2\u003e\n\n\n\n\u003cp\u003eA savings account is an important tool that just about anyone should have as part of their larger financial plan. However, it isn't always the best place to put your money. There are other types of deposit accounts to consider as well:\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eTraditional savings account vs. high-yield savings\u003c/h3\u003e\n\n\n\n\u003cp\u003eA \u003ca href=\"https://fortune.com/recommends/banking/best-high-yield-savings-accounts/\"\u003ehigh-yield savings account\u003c/a\u003e isn’t that much different from a \u003ca href=\"https://fortune.com/recommends/banking/traditional-savings-account/\"\u003etraditional savings account\u003c/a\u003e. Both are deposit accounts offered by financial institutions that allow you to set aside money and earn interest on the balance. The primary difference is that a high-yield savings account offers a much higher APY on your funds than a typical savings account. Through the power of \u003ca href=\"https://fortune.com/recommends/banking/what-is-compound-interest/\"\u003ecompound interest\u003c/a\u003e, you’ll earn interest on the principal balance and any interest you earned previously. That means you’ll essentially earn interest on your interest, allowing your savings to grow that much faster.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eSavings account vs. checking account\u003c/h3\u003e\n\n\n\n\u003cp\u003eA savings account is designed for storing money over a longer period and earning interest, which encourages saving. It may have limitations on the number of withdrawals or transfers per month. A checking account, on the other hand, is intended for managing daily transactions and offers more accessibility. It usually provides a debit card and check-writing capabilities and often has no limits on the number of transactions. However, checking accounts generally offer lower or no interest compared to savings accounts.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eSavings account vs. certificates of deposit (CDs)\u003c/h3\u003e\n\n\n\n\u003cp\u003e\u003ca href=\"https://fortune.com/recommends/banking/cds-vs-traditional-savings-accounts/\"\u003eSavings accounts and CDs\u003c/a\u003e are both savings vehicles that offer interest on your deposits. However, while savings accounts provide relatively easy access to funds with a variable interest rate, CDs lock in your money for a specified term (from a few months to several years) at a (usually) higher, fixed interest rate. Withdrawing funds from a CD before its maturity date typically incurs a penalty, which can reduce the earned interest.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOn the other hand, savings accounts may have limits on the number of monthly withdrawals, but offer more liquidity than CDs. When choosing between the two, it’s crucial to weigh the importance of access to funds against potentially higher fixed returns with CDs.\u003c/p\u003e\n\n\n\n\u003ch3 class=\"wp-block-heading\"\u003eSavings account vs. MMAs\u003c/h3\u003e\n\n\n\n\u003cp\u003eSavings accounts work similarly to \u0026nbsp;to \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003eMMAs\u003c/a\u003e in that you’ll earn interest on your balance and can easily access your funds. While savings accounts focus primarily on providing a safe, liquid place to store cash, MMAs often combine the features of both savings and checking accounts, providing higher interest earnings and more flexible access to funds, such as through checks or debit cards. However, MMAs might require higher minimum balances to avoid fees or to earn the advertised rate.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eOverall, a savings account would be the best choice in situations where you prioritize earning some interest on your money while maintaining relatively easy access to the funds, without exposing the principal to market risk.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"how-to-open\"\u003eHow to open a high-yield savings account\u003c/h2\u003e\n\n\n\n\u003cp\u003eWhen you’re ready to open an account, you’ll follow these general steps:\u003c/p\u003e\n\n\n\n\u003col\u003e\n\u003cli\u003e\u003cstrong\u003eResearch financial institutions\u003c/strong\u003e: It’s important to do some research ahead of time to compare interest rates, fees, features, and customer reviews among various financial institutions. Decide whether you’re comfortable with an online-only bank or prefer a bank or credit union with physical branches.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCheck the requirements\u003c/strong\u003e: Find out if you need a minimum deposit to open an account or if you’re expected to maintain a minimum balance to avoid fees. Be sure you understand the terms of the account fully.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eVisit the bank or apply online\u003c/strong\u003e: Whether online or in-person, you'll need to contact the financial institution for an application and be prepared to share the details mentioned below. Online applications often allow you to save and return if needed.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eFill out the application\u003c/strong\u003e: You will need to provide some personal information, including your Social Security number or individual taxpayer identification number (TIN), a valid ID (such as a passport or driver’s license), and contact information.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eDeposit funds\u003c/strong\u003e: When your application gets approved, all that’s left is to deposit your funds into the account and start earning.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\u003c/ol\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"methodology\"\u003eOur methodology\u0026nbsp;\u003c/h2\u003e\n\n\n\n\u003cp\u003eTo narrow down our top picks for the best high-yield savings accounts, the Fortune Recommends\u003csup\u003e\u003cfont size=\"1\"\u003eTM\u003c/font\u003e\u003c/sup\u003e team evaluated more than 60 online savings accounts from a variety of traditional brick-and-mortar banks, online banks, and credit unions.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eAll the accounts on our list are available to customers in the U.S. no matter where you’re located, subject to the terms of each account. The savings accounts on this list offer an APY at least 10 times the national average.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003eWe ranked each account in these core categories:\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best savings accounts: Our methodology\" aria-label=\"pies-title\" id=\"datawrapper-chart-67zu8\" src=\"https://datawrapper.dwcdn.net/67zu8/1/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"465\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003e\u003cstrong\u003eAPY (40%): \u003c/strong\u003eThis number represents the real rate of return on your balance; the higher the APY, the better.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMonthly fees (10%): \u003c/strong\u003eSome banks charge monthly maintenance fees. We ranked banks with lower (or zero) monthly fees higher on the list.\u0026nbsp;\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum amount to earn APY (10%): \u003c/strong\u003eTo earn the high APY, some banks require that you maintain a certain dollar amount in the account, which we view as a limiting factor.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMinimum opening deposit (15%):\u003c/strong\u003e Some financial institutions require a deposit amount when you open your account. We rate a higher opening deposit as less attractive.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eCustomer support (5%): \u003c/strong\u003eTop picks offer customers various ways to get in contact: chat support, by phone, or even email—phone support was weighted more heavily.\u0026nbsp;\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cb\u003eBudgeting and money management tools (5%):\u003c/b\u003e Some banks offer digital tools that make it easier for customers to track their spending and savings.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eATM or debit card (5%): \u003c/strong\u003eWhile high-yield savings accounts are meant for long-term saving, some banks provide an ATM or debit card so you can easily spend the funds in your account.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eMobile app rating (5%): \u003c/strong\u003eMost banks have a mobile app you can use to manage your account. We looked at banks’ mobile app ratings in the Apple Store.\u003c/li\u003e\n\n\n\n\u003cli\u003e\u003cstrong\u003eSecurity features (5%): \u003c/strong\u003eWhen we evaluated banks, we checked if they offered features, such as website encryption, multi-factor authentication (MFA), and fraud protection to ensure that customers’ financial and personal information is kept safe.\u003c/li\u003e\n\u003c/ul\u003e\n\n\n\n\u003cp\u003eThe rates and fee structures for the accounts mentioned are available for limited periods, and APYs are subject to fluctuation, which could impact how much interest you earn. All the bank accounts and credit unions on this list are insured by the FDIC and NCUA, respectively. To open an account, financial institutions, including banks and credit unions, require a deposit of new money, so you may not be able to transfer money you already had in an account at that bank.\u0026nbsp;\u003c/p\u003e\n\n\n\n\u003cp\u003e\u003cstrong\u003eDig deeper:\u003c/strong\u003e learn more about our \u003ca href=\"https://fortune.com/fortune-recommends-banking-methodology/\"\u003ebanking methodology\u003c/a\u003e.\u003c/p\u003e\n\n\n\n\u003ch2 class=\"wp-block-heading\" id=\"FAQs\"\u003eFrequently asked questions\u003c/h2\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eAre savings accounts liquid?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eIn general, saving accounts are highly liquid accounts, meaning it's fast and easy to access your funds when needed. Federal law used to dictate that account holders could transfer funds out of their accounts up to six times per month. However, this rule was paused in 2020 and you can now make an unlimited number of transfers and withdrawals from savings accounts in many cases. However, some financial institutions still limit the number of withdrawals allowed per month and may impose a fee for excessive transactions.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eAre savings accounts safe?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eSavings accounts are generally safe, especially when they are held at banks that are insured by the FDIC or at credit unions insured by the NCUA. Both entities insure deposits up to $250,000 per depositor, per institution, for each account ownership category.\u0026nbsp;\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eDo I have to pay taxes on money in a savings account?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eThe interest you earn in a savings account is usually subject to income tax. If you earn $10 or more in interest from a savings account in a year, the bank or financial institution will send you a Form 1099-INT, which reports the amount of interest you earned. Even if you don't receive a Form 1099-INT (e.g., if you earned less than $10), you're still generally required to report and pay tax on any interest income.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eIs it worth putting money in a savings account?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eIf your goal is to keep cash safe for short-term needs or emergencies, a savings account is a good option since it offers easy access and security for your money. However, it may not give you the highest return on investment (ROI).\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eIs it better to put money in a CD or savings?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eCDs typically offer higher interest rates than savings accounts—however, your money is locked up until maturity, with penalties for early withdrawal. Savings accounts offer more flexibility to access funds anytime. For emergency savings or short-term goals, a high-yield savings account is usually better. For money you won't need for a while, a \u003ca href=\"https://fortune.com/recommends/banking/what-is-a-cd-ladder/\" target=\"_blank\" rel=\"noreferrer noopener\"\u003eCD ladder\u003c/a\u003e can maximize returns while maintaining some liquidity. Consider your timeline and your need to access your funds when choosing between CDs and savings accounts.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cdetails class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"\u003e\u003csummary\u003e\u003cstrong\u003eWhich bank has the best savings account?\u003c/strong\u003e\u003c/summary\u003e\n\u003cp\u003eThe \"best\" savings account depends on your specific needs, but some top contenders include LendingClub, Laurel Road, and UFB Direct. These institutions consistently offer high APYs and low fees. Compare a few options to see which features matter most to you. Just remember that rates change frequently, so don't chase tiny differences - focus on overall value.\u003c/p\u003e\n\u003c/details\u003e\n\n\n\n\u003cfigure class=\"wp-block-embed is-type-rich is-provider-datawrapper wp-block-embed-datawrapper\"\u003e\u003cdiv class=\"wp-block-embed__wrapper\"\u003e\n\u003ciframe title=\"Best high-yield savings accounts of November 2024*\" aria-label=\"Table\" id=\"datawrapper-chart-ZF1pH\" src=\"https://datawrapper.dwcdn.net/ZF1pH/26/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"1599\" data-external=\"1\"\u003e\u003c/iframe\u003e\u003cscript type=\"text/javascript\"\u003e!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r\u003ce.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();\u003c/script\u003e\n\u003c/div\u003e\u003c/figure\u003e\n\n\n\n\u003cdiv class=\"wp-block-group pro-tip-box-widget\"\u003e\u003cdiv class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\"\u003e\n\u003ch3 class=\"wp-block-heading pro-tip-box-heading\"\u003eRead more\u003c/h3\u003e\n\n\n\n\u003cul\u003e\n\u003cli\u003eCheck out the \u003ca href=\"https://fortune.com/recommends/banking/the-best-cd-rates/\"\u003ebest CD rates\u003c/a\u003e to help you find the term deposits you need most.\u003c/li\u003e\n\n\n\n\u003cli\u003eOur ranking of the \u003ca href=\"https://fortune.com/recommends/banking/best-online-banks/\"\u003ebest online banks\u003c/a\u003e shows you which online bank is best for your needs.\u003c/li\u003e\n\n\n\n\u003cli\u003eChoosing one of the \u003ca href=\"https://fortune.com/recommends/banking/the-best-money-market-accounts/\"\u003ebest money market accounts\u003c/a\u003e can help you maximize your returns.\u003c/li\u003e\n\n\n\n\u003cli\u003eThe \u003ca href=\"https://fortune.com/recommends/banking/best-checking-account-bonuses/\"\u003ebest checking account bonuses\u003c/a\u003e can give savers a boost on their balances.\u003c/li\u003e\n\n\n\n\u003cli\u003eYou’ll never pay annual fees for checking when you choose one of the \u003ca href=\"https://fortune.com/recommends/banking/best-free-checking-accounts/\"\u003ebest free checking accounts\u003c/a\u003e.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\u003c/div\u003e\n\n\n\n\u003cp id=\"disclaimer\" style=\"font-size:12px\"\u003e\u003cem\u003e\u003cem\u003e1: \u003cp style=\"font-size: 12px;\"\u003e\u003cem\u003eNew and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus when they set up Direct Deposit of at least $1,000 during the Direct Deposit Bonus Period. Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 12/31/24. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Direct Deposit can earn 4.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.20% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/31/2024. There is no minimum balance requirement. Additional information can be found at \u003ca title=\"http://www.sofi.com/legal/banking-rate-sheet\" href=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\" rel=\"noopener\" title=\"http://www.sofi.com/legal/banking-rate-sheet\" target=\"_blank\"\u003ehttp://www.sofi.com/legal/banking-rate-sheet\u003c/a\u003e.\u003c/em\u003e\u003c/p\u003e\u003c/em\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp id=\"disclaimer-2\" style=\"font-size:12px\"\u003e\u003cem\u003e\u003cem\u003e3: We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees incurred when using out-of-network ATMs are not subject to reimbursement. SoFi’s ATM policies are subject to change at our discretion at any time.\u003c/em\u003e\u003c/em\u003e\u003c/p\u003e\n\n\n\n\u003cp id=\"disclaimer-3\" style=\"font-size:12px\"\u003e\u003cem\u003e3: Our account fee policy is subject to change at any time.\u003c/em\u003e\u003c/p\u003e\u003c/div\u003e","databaseId":3696053,"dateGmt":"2024-04-25T17:05:48","dek":"","description":"The Fortune Recommends team evaluated more than 60 high-yield savings accounts to find you the top picks.","faq":[{"answer":"In general, saving accounts are highly liquid accounts, meaning it's fast and easy to access your funds when needed. Federal law used to dictate that account holders could transfer funds out of their accounts up to six times per month. However, this rule was paused in 2020 and you can now make an unlimited number of transfers and withdrawals from savings accounts in many cases. However, some financial institutions still limit the number of withdrawals allowed per month and may impose a fee for excessive transactions.","question":"Are savings accounts liquid?","__typename":"FaqField"},{"answer":"Savings accounts are generally safe, especially when they are held at banks that are insured by the FDIC or at credit unions insured by the NCUA. Both entities insure deposits up to $250,000 per depositor, per institution, for each account ownership category.","question":"Are savings accounts safe?","__typename":"FaqField"},{"answer":"The interest you earn in a savings account is usually subject to income tax. If you earn $10 or more in interest from a savings account in a year, the bank or financial institution will send you a Form 1099-INT, which reports the amount of interest you earned. Even if you don't receive a Form 1099-INT (e.g., if you earned less than $10), you're still generally required to report and pay tax on any interest income.","question":"Do I have to pay taxes on money in a savings account?","__typename":"FaqField"},{"answer":"Savings accounts are generally considered safe and are usually backed by the government. In the rare event of a bank failure, if the bank is not insured or if your savings exceed the insured amount, there is a risk of losing money. However, this situation can be avoided by keeping your money in an FDIC- or NCUA-insured account up to the federal maximum of $250,000 for insurance.","question":"Can you lose money in a savings account during a recession?","__typename":"FaqField"},{"answer":"CDs typically offer higher interest rates than savings accounts—however, your money is locked up until maturity, with penalties for early withdrawal. Savings accounts offer more flexibility to access funds anytime. For emergency savings or short-term goals, a high-yield savings account is usually better. For money you won't need for a while, a CD ladder can maximize returns while maintaining some liquidity. Consider your timeline and your need to access your funds when choosing between CDs and savings accounts.","question":"Is it better to put money in a CD or savings?","__typename":"FaqField"},{"answer":"The \"best\" savings account depends on your specific needs, but some top contenders include LendingClub, Laurel Road, and UFB Direct. These institutions consistently offer high APYs and low fees. Compare a few options to see which features matter most to you. Just remember that rates change frequently, so don't chase tiny differences - focus on overall value.","question":"Which bank has the best savings account?","__typename":"FaqField"}],"featuredMediaType":"image","floatingNavContent":"\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#top-10\"\u003e10 best savings accounts\u003c/a\u003e\u003c/li\u003e\n\u003cli style=\"list-style-type: none\"\u003e\n\u003cul\u003e\n\u003cli\u003e\u003ca href=\"#sofi\"\u003eSoFi\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#lendingclub\"\u003eLendingClub\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#newtek\"\u003eNewtek Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#first-foundation\"\u003eFirst Foundation Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#quontic\"\u003eQuontic\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#evergreen\"\u003eEvergreen Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#laurel\"\u003eLaurel Road\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#customers\"\u003eCustomers Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#forbright\"\u003eForbright Bank\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#ally\"\u003eAlly Bank\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#top-accounts\"\u003eTop high-yield savings accounts\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#news\"\u003eRecent news that could impact your savings account interest rates\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#definition\"\u003eWhat is a savings account?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#pros-and-cons\"\u003ePros and cons\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#fees\"\u003eFees and requirements\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-it-works\"\u003eHow do interest rates work?\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-choose\"\u003eHow to choose the best savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#alternatives\"\u003eSavings account alternatives\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#how-to-open\"\u003eHow to open a savings account\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#methodology\"\u003eMethodology\u003c/a\u003e\u003c/li\u003e\n\u003cli\u003e\u003ca href=\"#FAQs\"\u003eFrequently asked questions\u003c/a\u003e\u003c/li\u003e\n\u003c/ul\u003e\n","floatingNavTitle":"On this page","footnotes":null,"id":"cG9zdDozNjk2MDUz","image":"https://fortune.com/img-assets/wp-content/uploads/2023/10/Recommends_Best_Savings_Accounts_List.jpg?resize=1200,600","imageCaption":"The Fortune Recommends team evaluated more than 50 high-yield savings accounts to find you the top picks.","imageCredit":"Illustration by Fortune","keywords":"","link":"https://fortune.com/recommends/banking/best-savings-accounts/","metaTitle":"Best savings accounts of November 2024: Compare rates, fees, and more","modifiedGmt":"2024-11-26T13:33:23","pageType":"evergreen","platformCD":"recommends","postId":3696053,"postSettings":{"postSettingsDek":null,"enableSubscriptionPlea":true,"subscriptionPleaDesign":"with-bottom-border","subscriptionPleaPosition":null,"subscriptionPleaTextLined":"Follow Fortune Recommends on \u003ca href=\"https://www.linkedin.com/showcase/fortunerecommends/\" target=\"_blank\" rel=\"noopener\"\u003eLinkedIn,\u003c/a\u003e \u003ca href=\"https://twitter.com/fortunerecs\" target=\"_blank\" rel=\"noopener\"\u003eX\u003c/a\u003e, and \u003ca href=\"https://www.tiktok.com/@fortunerecs\"\u003eTikTok\u003c/a\u003e.","bylineCommentary":null,"mediaItem":{"altText":"Vector illustration of a glass jar full of gold coins and three dollar bills flying in a circle surrounding the jar.","caption":"Illustration by Victoria Ellis for Fortune","mediaItemUrl":"https://fortune.com/img-assets/wp-content/uploads/2023/10/Recommends_Best_Savings_Accounts_List.jpg"},"__typename":"Settings"},"premiumCategory":{"name":"F-Search","premiumCategoryId":447850669,"link":"https://fortune.com/?taxonomy=premium_categories\u0026term=f-search-free","__typename":"BrandedArticlePremiumCategoryFieldsFields"},"primaryPostTag":{"name":"savings","primaryTagId":24167,"link":"https://fortune.com/tag/savings/","uri":"/tag/savings/","__typename":"BrandedArticlePrimaryPostTagIdFieldsFields"},"primarySection":{"name":"Banking","primarySectionId":447854038,"link":"https://fortune.com/recommends/banking/","uri":"/recommends/banking/","__typename":"BrandedArticlePrimarySectionIdFieldsFields"},"primaryTopic":{"name":"","primaryTopicId":-1},"relatedVideoId":"","relatedVideoType":"no_video","reviewedBy":{"funFactHeader":"","funFactValue":"","image":"https://fortune.com/img-assets/wp-content/uploads/2023/11/Cassie-Bottorff-headshot-1-e1705091566751.png?w=150","name":"Cassie Bottorff","role":"Editor, Business \u0026 Banking","shortIntro":"\u003cp\u003e\u003cspan style=\"font-weight: 400\"\u003eCassie is the business and banking editor at Fortune Recommends. She obtained her degree from Northern Kentucky University and is a certified SCRUM master. 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