Best option for a Disney vacation account September 2019 |

Best savings options for a Disney vacation account

The right savings account can help you bring your dream vacation to life.

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A visit to Disney is the trip of a lifetime for many families, but it comes at a cost. From flights to accommodations and everything in between, you’ll need to start planning far in advance. The right savings account can help you fund your trip sooner and earn rewards along the way.

Editor's pick: American Express® Personal Savings High Yield Savings Account

  • 1.90% APY
  • No monthly fee
  • No minimum balance

Editor's pick: American Express® Personal Savings High Yield Savings Account

  • Around-the-clock online and phone support
  • No fees to hassle with
  • FDIC insured

What are my best options for a Disney vacation account?

CIT Bank Savings Builder High Yield Savings Account

This account offers a high APY and a choice between two savings plans.

It makes it easy to start saving and offers an incentive to keep going.

  • High APY. Earn 2.2% APY if you’re enrolled in either savings plan.
  • Attainable requirements. Start saving with $100 and earn the highest APY with a $100 monthly direct deposit.
  • Few fees. You won’t pay any monthly fees, incoming wire fees or online transfer fees.

MySavingsDirect MySavings Account

The MySavings Account is a high-interest product that’s designed to help you grow your savings quickly.

Link it to your current checking account and you get 24/7 online access to track your savings progress.

  • High APY. Earn 2.25% APY on your balance.
  • No fees. You won’t pay service charges, penalties or any other costs.
  • No minimums. There are no initial deposit or monthly balance requirements.

CIBC Agility Savings

This online savings account lets you access your money from anywhere.

Plus, you’ll earn a competitive APY and pay no maintenance fees, helping you fund your trip faster.

  • High APY. Earn 2.2% APY on your balance.
  • No maintenance fees. There are no monthly maintenance fees on this account, meaning more of your money can be put toward your trip.
  • Low minimum balance. You’ll earn the advertised APY as long as you maintain a daily balance of at least $0.01.

PurePoint Financial Online Savings

If you hold a large savings balance, this account might be right for you.

While it requires an initial deposit of at least $10,000, the high APY can help you fund your trip sooner.

  • High APY. Earn 2% APY on your balance.
  • No monthly fee. You won’t pay a monthly service charge to keep this account open.
  • Low minimum balance. This account stays open indefinitely as long as your balance is above $0.

Synchrony High Yield Savings

This high-yield savings account allows you to access your money online, by phone or at an ATM.

This account give you flexibility while you budget for your trip, it also pays a high APY and has low fees, allowing you to hold on to more of your savings.

  • High APY. Earn 2% APY on your balance.
  • No balance requirements. This account doesn’t require an initial deposit and there are no ongoing balance requirements to earn the APY.
  • Flexibility. Unlike many other online savings accounts, this one allows you to make withdrawals online, by phone or at an ATM.

Alliant Kids Savings Account

Designed for children aged 12 and younger.

The Alliant Kids Savings Account is a good way to start saving for a big trip. Beyond the high APY, this account also offers parental controls and supplemental accounts for multiple savings goals.

  • High APY. Earn 2.1% APY on your balance.
  • No fees. There is no monthly fee to keep this account open.
  • No balance requirements. This account has no initial deposit or ongoing balance requirements.

Chase Savings Account

Get the safety and security of a Big Four bank when you open a Chase Savings Account.

Plus, the bank is offering an introductory bonus that can give you a head start on saving for your trip.

  • Bonus offer. Get $150 after qualifying deposits and balances.
  • Avoidable monthly fee. You can avoid the monthly fee with a low $300 daily balance, a monthly automatic transfer, or a linked premium Chase checking account.
  • Easy access. If you need to access your money on short notice, you’ll have fee-free access to over 16,000 ATMs and 5,000 branches.

Digit savings account

This automatic savings program analyzes your spending and allocated a portion to your savings.

Create multiple savings goals and allocate money into each account.

  • Savings bonus. Earn a 1% annualized savings bonus when you save with Digit for three months in a row.
  • Automatic savings. Set goals and Digit will automatically save money into each of your accounts.
  • No minimums. You don’t need to maintain a minimum balance to save.

Alliant High-Rate Savings

If you’re looking for an account with a high APY this account is for you.

With a high APY and low fees, this account only require $100 minimum to earn the 1.9% APY.

  • High APY. Earn 1.9% APY with a minimum of $100 in your account.
  • No monthly fee. There’s no monthly fee on this account.
  • Low initial deposit. This account only requires a $5 initial deposit, which Alliant pays for you.

Discover Money Market Account

If you value flexibility while saving for your trip, consider the Discover Money Account.

It offers an above average APY and an ATM card that lets you use over 60,000 fee-free ATMs.

  • Solid APY. Earn 1.85% APY on balances up to $99,999 and 1.9% for balances above $100,000.
  • No monthly fees. You won’t pay a monthly service fee to keep this account open.
  • Easy access. Unlike standard savings accounts, money market accounts like this one also offer check writing abilities.

How we picked the best Disney vacation accounts

To narrow down the best available options for Disney vacation accounts, we considered key factors like how rewarding it was in terms of growing savings, whether or not there were any fees to deal with, whether or not there were any additional incentives to save and how easy it would be to access the money when vacation day arrived. That meant digging into account details like interest rates, fees, bonuses or rewards, account features, terms and conditions and access to your savings.

How much should I save for a Disney vacation?

Disney vacations can be the trip of a lifetime, but costs can add up quickly. Here’s what you can expect to pay for accommodations and tickets, depending on the size of your group:

Room and ticket package (6 night, 7 day stay, tickets valid at all four theme parks)

Number of guests Price per person (per day) Total cost
2 $99 $1,386
3 $99 $2,079
4 $99 $2,772
5 $99 $3,465
6 $99 $4,158
7 $99 $4,851
8 $99 $5,544

Room, ticket and dining package (6 night, 7 day stay, tickets valid at all four theme parks)

Number of guests Price per person (per day) Total cost
2 $138 $1,932
3 $138 $2,898
4 $138 $3,864
5 $138 $4,830
6 $138 $5,796
7 $138 $6,762
8 $138 $7,728

Keep in mind that these don’t include expenses such as:

  • Tax
  • Snacks
  • Drinks
  • Souvenirs
  • Transportation
  • Magical extras
  • Tips
  • Toys
  • Pictures

What if I can’t quite save enough?

If you’ve set a goal and planned out your Disney vacation savings but it won’t quite cover the cost or you’re on a tight timeline to get there, consider one of many Disney vacation financing options, like a Disney rewards credit card or a low-interest personal loan. You can also watch for discounts or find ways to save on travel or dining.

How to compare Disney vacation savings accounts

No matter how many people you’re planning on bringing with you, use the following criteria to compare savings accounts to help you reach your savings goal:

Compare with other savings accounts

Name Product Interest rate (APY) Fee Minimum deposit to open
Enjoy no monthly fees and a competitive APY with this online-only savings account.
$5 per month
(can be waived)
Get a $150 bonus when you open a new Chase Savings account, deposit a total of $10,000 or more in new money within 10 business days and maintain a $10,000 balance for 90 days.
A super-high interest rate if you're in the habit of saving at least $100 per month or have $25K in the bank.
Betterment Everyday Savings
Betterment Everyday Savings
At a 2.38% APY if you join the waitlist for Betterment Everyday Checking or 2.13% if you don't, this is a high-interest FDIC-insured savings account seamlessly tied into Betterment's investment robo-advisor.
Earn 20x the national savings account average with no fees or minimums.
Earn one of the highest interest rates without the fees.

Compare up to 4 providers

Bottom line

With the right approach, you can make your Disney vacation dreams a reality. Calculate how much it’ll cost your family to visit, then work out a budget or savings plan to fund your trip.

The right savings account can help you reach your goal sooner with the power of compound interest, so compare your options to find one that fits your needs.

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