Make a Plan to frequently Compare Savings Rates to earn more. Many high-yield savings accounts pay multiples of the national average but rates change frequently. You can stay ahead of the game by checking back here regularly to be sure that you are always earning a top rate and moving your money to a bank with a top rate if your bank or credit union is no longer competitive.
Always keep your money in insured accounts. People lose their hard earned money by putting it with institutions that aren't federally licensed and insured. Fintechs and neobanks may have sexy names, but you should deposit money only with FDIC-insured banks and NCUA-insured credit unions and even then only up to $250,000 per ownership category.
Online Accounts may have higher rates. High yield savings accounts from online banks provide you with the same flexibility as savings accounts at local banks and often offer more competitive rates.
Online Savings Account
|
3.75% |
|
|
4.60% |
|
|
4.20% |
|
|
|
wellden1 | October 2, 2022 |
|||
|
|
4.20% |
|
|
4.10% |
|
|
|
Eldridge jaw 01 | November 27, 2021 | I tried to open account and was rejected. Called and was treated worse than I could have imagined any bank ever treating anyone. These guys can go to hell. More Reviews |
|||
|
|
4.10% |
|
|
4.09% |
|
|
4.05% |
|
|
4.02% | ||
|
Laura K | July 14, 2021 | My husband and I opened an account here. We were happy to get the slightly higher rate for a bit, but they were quick to lower it. And, then the fees started. More Reviews |
|||
|
|
4.02% |
|
|
4.01% |
|
|
|
J Dally | June 13, 2023 | 5% + on a savings rate is attractive, but the phone reps are trained to tell people as a first response to come to a branch to address any inquiries. (Thankfully, I don't live in Florida but I also means ... More Reviews |
|||
|
|
4.00% | ||
|
JeromeK | September 18, 2022 | Let's see. A bank with a name like "LendingClub" that is focused on predatory straight cash lending in an economy that has gone from flush with cash to a deep recession (depression?) and that has a website... More Reviews |
|||
|
|
4.00% |
|
|
4.00% |
|
|
|
PB VeganChic | November 7, 2023 | The rates are good but it was a hassle getting my account set up. The app does not work. I purchased a 5 year CD and I hope I don't have any issues when it's time to cash it out. I wouldn't recommend Bread... More Reviews |
|||
|
|
4.00% | ||
|
Lowered the rate yesterday,d damnit | June 29, 2023 | I had a Luminary account at 5.25% that I opened a week ago. When I login in, it had changed to a Magnetic account at 4.65%. I will close my account before the weekend and never do business with this ba... More Reviews |
|||
|
|
4.00% | ||
|
Siegalman again | November 13, 2023 | Indexed savings product from this bank is now 5.71%. Better than anything else on this site or available anywhere. More Reviews |
|||
|
|
4.00% |
|
|
|
joe smith | February 7, 2023 | I was a customer for years but they would not give me the 3.68% money market unless I was a new customer.... so I am no longer a customer More Reviews |
|||
|
|
4.00% | ||
|
JTurlow | November 9, 2021 | Higher rate but same old bank. Still engages in a process of not crediting deposits for two days after they are drawn. As a result, any transfers initiated after Wednesday will miss earning interest over t... More Reviews |
|||
|
|
3.96% |
|
|
3.90% |
|
|
|
Jeff T | November 21, 2023 | Everbank is the same name that was issuing foreign currency CDs and saying there was no risk and then violating their own T&C to not pay out. It is back. Terrible bank, no matter what the name. More Reviews |
|||
|
|
3.90% |
|
|
|
howdoyoudo | July 18, 2022 | And how is this an online bank if they are inundating me with invitations to a customer appreciation free movie showing in some remote location in Utah? More Reviews |
|||
|
|
3.90% | ||
|
JPreston | January 7, 2023 | Called and asked them to match rates offered through save better for a 15 year client since directly offered rates are no longer competitive. Received nasty response. My only regret now is that I need to c... More Reviews |
|||
|
|
3.90% |
|
|
|
3.90% | ||
|
John Grierer | September 3, 2023 | The ACH processes at this bank are terrible. At maturity of my CD, the bank refused an external ACH drawn from an outside bank, in spite of providing assurances that this would not happen together with th... More Reviews |
|||
|
|
3.90% |
|
|
|
nunya | May 22, 2023 Your personal experiences OUTSIDE the bank shouldn't be the basis for your review of how the bank actually functions. More Reviews |
|||
|
|
3.85% |
|
|
3.85% | ||
|
Tracy1969 | April 29, 2023 | Primis's online savings account is a half-baked product that isn't ready for market. They brought this live and expect their customers to be these beta testers. I'd choose something else. More Reviews |
|||
|
|
3.85% |
|
|
3.85% |
|
|
3.81% |
|
|
3.80% |
|
|
|
Frog Stephane | October 30, 2022 | I got into this one and a couple of other small Utah banks last years when I saw that they were a little higher than national rates (something like 0.70% versus 0.50%). Whatever I made with this adjustme... More Reviews |
|||
|
|
3.80% |
|
|
|
Jeff T | November 21, 2023 | Everbank is the same name that was issuing foreign currency CDs and saying there was no risk and then violating their own T&C to not pay out. It is back. Terrible bank, no matter what the name. More Reviews |
|||
|
|
3.75% |
|
|
|
JQ25 | July 20, 2023 | This should be a red flag on their CD accounts! "APYs on term deposits assumes reinvestment of principal and interest at maturity, fees may reduce earnings on accounts." More Reviews |
|||
|
|
3.75% |
|
|
|
Great | June 21, 2021 | This account is great. Had first opened an online savings account and then I locked into the 18-month No Penalty CD. While interest is still lost if you get out before a quarterly payment date, it provides... More Reviews |
|||
|
|
3.75% |
|
|
|
Something has changed | May 3, 2023 | Something changed with CIT. They are offering a higher rate, but funding it by substantially increasing the hold times on transfers out and in. Marcus is terrible with the rates, but I can still get my m... More Reviews |
|||
|
|
3.70% | ||
|
JPreston | January 7, 2023 | Called and asked them to match rates offered through save better for a 15 year client since directly offered rates are no longer competitive. Received nasty response. My only regret now is that I need to c... More Reviews |
|||
|
|
3.70% | ||
|
Laura K | July 14, 2021 | My husband and I opened an account here. We were happy to get the slightly higher rate for a bit, but they were quick to lower it. And, then the fees started. More Reviews |
|||
|
|
3.66% |
|
|
|
Wesley | May 30, 2023 | Thank you to this site for showing this CD rate. I could not find it on the three leading sites (Bankrate, BestCashCow or Nerdwallet). Heck, I couldn't even find it easily on CIBC's own website, but that... More Reviews |
|||
|
|
3.65% | ||
|
JPreston | January 7, 2023 | Called and asked them to match rates offered through save better for a 15 year client since directly offered rates are no longer competitive. Received nasty response. My only regret now is that I need to c... More Reviews |
|||
|
|
3.65% | ||
|
Leslie G | December 7, 2021 | I've been unable to log on all evening because of the AWS outage. Also, I waited on hold for over 1 hour before giving up. Unable to get access to my money and disappointed by the AWS reliance with no re... More Reviews |
|||
|
|
3.65% |
|
|
3.61% |
|
|
|
3.60% | ||
|
JTurlow | November 9, 2021 | Higher rate but same old bank. Still engages in a process of not crediting deposits for two days after they are drawn. As a result, any transfers initiated after Wednesday will miss earning interest over t... More Reviews |
|||
|
|
3.60% |
|
|
|
3.60% |
|
|
3.60% | ||
|
5Bme | December 12, 2022 | Great rate, easily application process. It is the only rate as of today that beats a 13-month Treas so makes sense for anyone like me in Florida or another 0 state tax. More Reviews |
|||
|
|
3.55% |
|
|
3.50% |
|
|
|
Judith | May 12, 2023 | I can’t get a real live person ever! Don’t use them ! More Reviews |
|||
|
|
3.50% |
|
|
3.50% | ||
|
Yeon Marquez | May 27, 2023 | Citi Bank located on 15410 Whittier Blvd, Whittier, CA 90603 has violated CA BUSINESS AND PROFESSIONAL CODE 17200, Chapter 1 of Part 3 of Division 7. My husband and I, each with separate business accounts... More Reviews |
|||
|
|
3.50% | ||
|
Yeon Marquez | May 27, 2023 | Citi Bank located on 15410 Whittier Blvd, Whittier, CA 90603 has violated CA BUSINESS AND PROFESSIONAL CODE 17200, Chapter 1 of Part 3 of Division 7. My husband and I, each with separate business accounts... More Reviews |
|||
|
|
3.50% |
|
|
|
Eldridge jaw 01 | November 27, 2021 | I tried to open account and was rejected. Called and was treated worse than I could have imagined any bank ever treating anyone. These guys can go to hell. More Reviews |
|||
|
|
3.50% | ||
|
disappointed | April 3, 2023 |
everything is a challenge for these guys. |
|||
|
|
3.50% |
|
|
3.45% |
|
|
3.40% |
|
|
|
Wazup | October 13, 2022 | might be a good as a local bank, but not set up as an online bank More Reviews |
|||
|
|
3.35% |
|
|
|
Nuisance but good | June 13, 2023 | These Emigrant subsidiaries - Dollar Savings Direct and My Banking Direct - are a real nuisance when one offers a better rate that the other will not match. Transfers are next day though. So I can trans... More Reviews |
|||
|
|
3.35% |
|
|
3.35% | ||
|
Nuisance but good | June 13, 2023 | These Emigrant subsidiaries - Dollar Savings Direct and My Banking Direct - are a real nuisance when one offers a better rate that the other will not match. Transfers are next day though. So I can trans... More Reviews |
|||
|
|
3.35% | ||
|
JeromeK | September 18, 2022 | Let's see. A bank with a name like "LendingClub" that is focused on predatory straight cash lending in an economy that has gone from flush with cash to a deep recession (depression?) and that has a website... More Reviews |
|||
|
|
3.35% | ||
|
Tomlensen | April 12, 2022 | Opened account at the branch and discovered that I was only getting 0.20% and three months passed before I figured it out. Be careful with this one. More Reviews |
|||
|
|
3.30% | ||
|
Lucille Foster | December 6, 2022 | The MOST organized bank with easy to read online banking ever! More Reviews |
|||
|
|
3.30% |
|
|
|
3.30% |
|
|
|
TeresaKnight | August 1, 2022 | Hard to imagine how Ally got to be so bad, but 1 hour to speak with anyone on the phone is just not good business. It however is slightly better than my other bank which is CIT which hangs up on me. More Reviews |
|||
| Institución bancaria | Tasa de interés | Saldo Mínimo para APY |
Apto Para |
|---|---|---|---|
| PiBank, a division of Intercredit Bank, NA | 4.60% | $0 | Savings |
| FitnessBank, a division of Affinity Bank | 4.20% | $100 | SAVING ACCT RATE |
| Neighbors Bank | 4.20% | $25,000 | Online Savings Account |
| Quontic Bank | 4.10% | $100 | Money Market |
| Vault Bank | 4.10% | $100 | Savings Account |
| Openbank by Santander | 4.09% | $500 | Online Savings |
Una cuenta de ahorros es una cuenta bancaria que devenga intereses que le permite conservar su efectivo. Su dinero está seguro siempre y cuando permanezca dentro Límites de la FDIC (o límites de la NCUA para cooperativas de crédito federales).
Una cuenta del mercado monetario es prácticamente idéntica a una cuenta de ahorros, excepto que no está sujeta a ciertas restricciones de transacción. (el más importante de los cuales es un límite de 6 transacciones salientes a cuentas bancarias externas por mes). Rates&Info no distingue entre cuentas de ahorro y cuentas del mercado monetario. Enumeramos las mejores tarifas anteriores para los dos productos anteriores.
Siempre y cuando el total de sus cuentas de depósito (ahorros, cheques, CD, etc.) con cada banco no excede los $250,000 para cada categoría de propiedad, sus depósitos están asegurados en su totalidad por el Fondo Federal Deposit Insurance Corporation (FDIC), que está respaldada por la plena fe y crédito de los Estados Unidos. Más información aquí. El crédito nacional La Administración de la Unión (NCUA) ofrece un seguro similar para los depósitos con sus miembros. cooperativas de crédito.
La tabla anterior enumera las mejores cuentas bancarias en línea con altas tasas de interés. También enumera las cuentas del mercado monetario de mayor rendimiento y las Las mejores tasas para cuentas de ahorro de alto rendimiento en bancos y cooperativas de crédito cercanas. Al enumerar todas estas tarifas en una tabla, Rates&Info le permite determinar el mejor banco para su cuenta de ahorros basándose no solo en las mejores tasas de ahorro de alto rendimiento disponibles para usted sino también la conveniencia de una sucursal local.
Los cinco bancos de ahorro en línea más reconocidos en los EE. UU. son actualmente Ally Bank, Barclays Bank Delaware, CIT Bank, Goldman Sachs Bank y Synchrony Bank. Todos estos tienen requisitos bajos de apertura de cuenta y requisitos mínimos de mantenimiento de cuenta bajos o nulos. Las tasas en estos bancos pueden variar. Esta tabla muestra cuáles de estos bancos, y otros, tienen las tasas más altas para cuentas de ahorro en línea. Niveles de atención al cliente, sitio web y aplicación móvil La funcionalidad y las velocidades de transferencia también varían ampliamente. Reseñas de usuarios en otros sitios web puede ayudarle a determinar cuál de estos es el mejor para sus necesidades.
Muchas personas todavía prefieren guardar su dinero en cooperativas de crédito y bancos locales porque prefieren el contacto personal (no telefónico ni por Internet). interacción con sus bancos, quieren establecer una relación con un banquero local para otros asuntos transaccionales y, a menudo, necesitan efectivo o cheques de caja instantáneamente. La tabla anterior muestra todas las tarifas en una sola tabla para que pueda comparar las tarifas de estas instituciones con las tarifas en línea. Si tarifas en línea son más competitivas que las de los bancos y cooperativas de crédito cercanas, debería considerar abrir una cuenta de ahorros en un banco con una sucursal cerca de usted. usted y vincularlo a una cuenta de ahorros en línea donde puede mantener efectivo por encima de los niveles mínimos requeridos por su banco o cooperativa de crédito local.
Abrir una cuenta de ahorros en línea o una cuenta del mercado monetario es sencillo. Los bancos en línea primero verifican su identidad a través de una licencia de conducir u otra identificación y un crédito de Experian o Equifax (generalmente blando). Luego deberá depositar fondos en la cuenta enviando un cheque por correo o ingresando un ABA y un número de cuenta de una cuenta que pueda tener en otro banco (una cuenta de fondos). Confirmar la propiedad de la cuenta de financiación requiere ingresar su nombre de usuario y contraseña para esa cuenta o confirmar los montos de uno o dos pequeños depósitos de prueba después de que hayan llegado.
El banco o la cooperativa de crédito pueden reducir o aumentar las tasas de ahorro en cualquier momento a su discreción. Esa es la naturaleza del producto. Si tienes efectivo eso Es muy poco probable que necesite acceso y busque una tasa de rendimiento más alta, debería considerar un certificado de depósito (CD). Puedes comparar CD tasas en bancos en línea, bancos locales y cooperativas de crédito aquí.
Una cuenta de ahorros para niños es una excelente manera de enseñarles a los niños sobre la importancia de ahorrar dinero. Esta es una lección difícil de enseñar cuando las tasas son tan bajas (y permanecer por debajo de las tasas de inflación reales)! Aunque algunos bancos en línea (Ally y Capital One 360) ofrecen estas cuentas, los bancos locales suelen estar mejor preparados. para cuentas de ahorro para niños. Dependiendo del estado en el que resida, se requiere un tutor (generalmente un padre) para abrir la cuenta y supervisar la cuenta hasta los 18 o 21 años. Debido a la documentación requerida, debería considerar abrir una cuenta de ahorro para niños en un banco en el que usted o su cónyuge ya tiene una relación bancaria.
El gráfico anterior muestra la tendencia de las tasas promedio de las cuentas de ahorro en línea durante los últimos años.
easy workaround - open account with minimum balance, download app, do your steps, fund your account at end of month. easy. More Reviews