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8 best Disney savings accounts for January 2022

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

The best Disney savings account offers online tools and perks to help you save — whether that’s in the form of paid interest or discounts. Disney used to offer a Disney Vacation Account, but it shut this program down in 2017.

We researched over 110 savings accounts to find the eight best accounts to help you save for your Disney vacation. We split our list into two parts: one for credit unions offering Disney perks and the other for alternative savings accounts with built-in goal tracking tools.

For our list of credit unions, our primary focus was on finding those that had the best Disney discounts. We ignored secondary factors like membership requirements and branch locations. All of our picks require you to open a basic savings account to establish membership, so we noted the account details, pros and cons of each account. For our list of alternative savings accounts for Disney vacations, we focused on those with high APYs, low monthly fees, and goal tracking tools to help you manage your progress as you save.

What’s changed in 2021?
Simple is being discontinued this year, so we replaced it with SmartyPig Savings, which acts as a virtual piggy bank for your money. We removed Providence Federal Credit Union and Tower Federal Credit Union from our list as they no longer offer Disney perks.

5 Disney savings account alternatives

These popular savings accounts come with automatic savings tools and goal tracking features to help you visualize and accomplish your Disney savings goals.

Digit

Finder rating 3.4 / 5 ★★★★★

Go to site
on Digit's secure site
Digit is a micro-savings app that learns your spending habits and transfers leftover money into savings for you. It has built-in tools to help you set up savings goals for different aspects of your trip including travel, lodging, theme park tickets, food and more.

Ally Bank Online Savings Account

Finder rating 4.4 / 5 ★★★★★

Ally Bank recently released three tools to make saving for your Disney vacation even easier. You can set up automatic transfers, organize your money into different savings buckets or let Ally analyze your spending and move extra money into savings each week.

Capital One 360 Performance Savings

Finder rating 4.6 / 5 ★★★★★

The Capital One 360 Performance Savings account comes with a sleek mobile app that helps you track savings goals, so you know exactly how far away you are from that Disney trip. Plus, you can check your credit score and categorize transactions.

Alliant High-Rate Savings

Finder rating 4.3 / 5 ★★★★★

As an Alliant member, you'll get access to a money management tool that lets you create and track your Disney vacation savings goals, keep an eye on your spending patterns and manage transactions straight from your phone. Plus, this online savings account offers a competitive APY that's higher than the national average.

SmartyPig Savings

Finder rating 4 / 5 ★★★★★

SmartyPig Savings by Sallie Mae is a virtual piggy bank for your short and long-term goals. Set up automatic deposits each time you get paid and watch your Disney vacation piggy bank fill up in no time.

3 credit unions that offer Disney perks

These three credit unions offer the best Disney discounts:

Call Federal Savings account

Call Federal Credit Union has a range of perks for its members, including discounted tickets to Disneyland and Disney World through one of its partners, Tickets at Work.

Noble Credit Union Regular Savings account

Noble Credit Union members can enjoy discount tickets and hotel packages to numerous theme parks through Get Away Today. Popular attractions include Disneyland, Walt Disney World, San Diego Zoo, SeaWorld and more.

Goldenwest Credit Union Primary Shares account

Goldenwest Credit Union partners with Get Away Today to offer discounted travel packages to Disneyland, Universal Studios Hollywood, San Diego Zoo and more.

How to find the best Disney vacation savings account for your family

No matter how many people you’re planning on bringing with you, use the following criteria to find the best Disney vacation account to help you reach your savings goal:
  • APY. Look for the highest annual percentage yield possible, as compound interest on a high APY will help you fund your trip sooner.
  • Fees. Keep an eye out for monthly fees and other charges that may chip away at your balance.
  • Bonus or rewards. Find out if you’re eligible for any signup bonuses or rewards programs that could give you a head start on saving.
  • Features. Look for features like mobile banking, automatic savings programs and more to find an account that meets your needs and goals.
  • Conditions. Check your eligibility for the account you’re considering so you can meet deposit requirements and minimum balances.
  • Access. Consider how you would access your money when you need it.

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 more or less 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 guestsPrice 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 guestsPrice 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.

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 with the help of a Disney savings account.

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.

Compare other savings account for your Disney vacation

Type your deposit amount into the table to see how much interest you could earn on your Disney vacation savings. Sort the table by features that are most important to you to find an account that suites your needs.

Name Product Annual percentage yield (APY) Fee Minimum deposit to open
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00%
$0 per month or $7.99 per month for Aspiration Plus ($5.99 per month if you pay annually)
$10
Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC and a $100 bonus when you spend $1,000 in your first 60 days.
Quontic Bank High Yield Savings
Finder Rating: 4.6 / 5: ★★★★★
Quontic Bank High Yield Savings
0.55%
$0
$100
Interest is compounded daily. No monthly service fees. Competitive rates
Axos Bank High Yield Savings
Finder Rating: 4 / 5: ★★★★★
Axos Bank High Yield Savings
0.61%
0.25%
0.15%
$0
$250
No monthly maintenance fees. No minimum balance requirements. Interest compounded daily.
American Express® High Yield Savings
Finder Rating: 4.6 / 5: ★★★★★
American Express® High Yield Savings
0.50%
$0
$0
Enjoy no monthly fees and a competitive APY with this online-only savings account. Accounts offered by American Express National Bank, Member FDIC.
Gemini Earn
Gemini Earn
Up to 8.05%
$0
$0
Watch your cryptocurrency earn up to 8.05% APY with this nationwide account. Not FDIC insured.
Ponce Bank Money Market Deposit
Finder Rating: 4 / 5: ★★★★★
 Ponce Bank Money Market Deposit
0.41%
$0
$1
Ponce Bank Money Market Deposit account, offered through SaveBetter, has a $1 opening deposit and earns 0.41% APY.
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