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8 best Disney savings accounts for February 2021
The right Disney vacation account can help you bring your dream trip to life.

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
APY
Fees
Min. opening deposit
- Free 30-day trial. Digit has a $5 monthly fee, but you can try it for free for 30 days.
- No minimum opening deposit. Get started with Digit with as little as $0.
- Savings bonus. You'll earn a 0.5% annualized savings bonus when you use Digit to save for three consecutive months.
- Interest compounded quarterly. Most banks help you grow your money faster with interest that's compounded daily. But Digit compounds interest once every three months.
- Monthly fee. Expect to pay $5 a month to use Digit.
- Limited customer service. Digit doesn't have phone or live chat support, so the only way to reach someone is through email.
Interest compounding |
Annually
|
---|---|
Minimum to earn interest | $1 |
Monthly transaction limit | |
Fee per transaction over limit |
Ally Bank Online Savings Account
APY
Fees
Min. opening deposit
- Interest compounded daily. Your money grows even faster with a 0.5% APY that's compounded daily.
- No hidden fees. Ally doesn't charge any monthly maintenance fees and clearly outlines which fees it does charge in its Straight Talk product guide.
- No minimum deposit requirements. You can open this account with as much or as little money as you'd like.
- Online only. Ally operates entirely online, so it doesn't accept cash deposits and you're limited to phone and email support.
- No ATM card. You'll have to transfer money to another account if you need to withdraw cash.
- 30 days to fund account. If you don't fund your account within 30 days of opening, Ally will close it.
Interest compounding |
Daily
|
---|---|
Minimum to earn interest | $0 |
Monthly transaction limit | 6 |
Fee per transaction over limit | $10 |
Capital One 360 Performance Savings
APY
Fees
Min. opening deposit
- High APY. Earn a solid 0.4% APY on your total account balance.
- No monthly fees. Capital One doesn't charge you anything to open or maintain this account.
- Digital savings tools. Set up automatic payments and have part of every paycheck set aside for your Disney trip.
- No ATM access. The Capital One 360 Performance Savings account doesn't come with an ATM card, so you'll have to transfer money to another account if you need cash.
- Monthly withdrawal limit. As with all savings accounts, you can't make more than 6 outgoing transactions a month. But check with Capital One to see if this policy is currently suspended.
Interest compounding |
Monthly
|
---|---|
Minimum to earn interest | $0 |
Monthly transaction limit | 6 |
Fee per transaction over limit | $0 |
Alliant High-Rate Savings
APY
Fees
Min. opening deposit
- Competitive APY. You'll earn 0.55% APY when you keep at least $100 in this account.
- Comes with an ATM card. If you don't have an existing Alliant checking account, you'll get an ATM card that lets you quickly access your money at ATMs nationwide.
- No initial deposit requirements. Alliant pays the $5 opening deposit for you, so you can get a jump start on your savings.
- Open to members only. If you don't qualify for a regular membership, you can still join when you make a $5 donation to Foster Care to Success.
- Withdrawal limits. If you have a Chexsystems record, you can't withdraw more than $200 a day. If you don't have one, your limit is $500.
- Miscellaneous fees. Alliant charges fees for paper statements, overdrafts, stop-payments and more.
Interest compounding |
Daily
|
---|---|
Minimum to earn interest | $100 |
Monthly transaction limit | 6 |
Fee per transaction over limit |
★★★★★SmartyPig Savings
APY
Fees
Min. opening deposit
Interest compounding
Daily
Minimum to earn interest
$0
Monthly transaction limit
Fee per transaction over limit
3 credit unions that offer Disney perks
These three credit unions offer the best Disney discounts:
Call Federal Savings account

APY
Fees
Min. opening deposit
- Other membership benefits. Get access to money education programs and free meetings with a certified financial counselor.
- No fees. You won't pay any monthly fees to open or maintain this account.
- Low minimum deposit. You only need $5
- Minimum balance to earn interest. You'll need to keep at least $100 in this account to earn 0.35% APY.
- Excessive transaction fee. You'll pay a $10 fee each time you make more than six outgoing transactions a month. Although this policy could be temporarily suspended due to the coronavirus. Contact customer service for more information.
- Strict membership requirements. This credit union is only open to those who live, work or worship in the Greater Richmond, Virginia area.
Interest compounding |
Quarterly
|
---|---|
Minimum to earn interest | $100 |
Monthly transaction limit | 6 |
Fee per transaction over limit | $10 |
Noble Credit Union Regular Savings account

APY
Fees
Min. opening deposit
- No monthly fee. There is no monthly fee to open or maintain a Regular Savings account.
- Other membership perks. Noble Credit Union members get a free Accidental Death and Dismemberment Insurance policy worth $2,000 and access to free member seminars on topics like budgeting, understanding credit, money management and more.
- Lifetime membership. Once you join this credit union, you're a member for life and any of your immediate family members can join too.
- Low APYs. You'll earn 0% on balances up to $249, 0.10% on balances up to $4,999, 0.1% on balances up to $9,999, 0.15% on balances up to $24,999 and 0.2% on balances over $25,000.
- Strict membership requirements. Membership is primarily open to those who work for select businesses in Fresno and Madera County, California and their families.
Interest compounding |
Monthly
|
---|---|
Minimum to earn interest | $250 |
Monthly transaction limit | |
Fee per transaction over limit |
Goldenwest Credit Union Primary Shares account

APY
Fees
Min. opening deposit
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 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.
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.
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