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Savings Account Comparison

Compare Saving Accounts

Today’s leading savings accounts offer competitive interest rates, minimal fees, accessibility and protection to keep just about any balance safe and growing. We rolled up our sleeves to review and rate nearly 100 savings accounts — from the nation’s megabanks to competitive regional institutions, growing credit unions and savvy fintech startups — to help you compare what’s out there, whether you’re on the lookout for the strongest rates, fed up with fees or simply want a bank you can trust.

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
Barclays Online Savings
Finder Rating: 4.6 / 5: ★★★★★
Barclays Online Savings
0.50%
$0
$0
A rate greater than 5x the national average
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.
Patriot Bank High-Yield Money Market Deposit Account
Patriot Bank High-Yield Money Market Deposit Account
0.55%
$0
$1
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.
SoFi Money
Finder Rating: 4.3 / 5: ★★★★★
SoFi Money
0.25%
$0
$0
SoFi Money® is a cash management account that charges no account fees to save, spend, and earn cash back rewards when you spend on brands you love.
Chime Savings
Finder Rating: 4.6 / 5: ★★★★★
Chime Savings
0.50%
$0
$0
Grow your savings automatically with recurring transfers, round-ups on debit card purchases and 0.5% APY.
Quontic Bank Money Market
Finder Rating: 4.6 / 5: ★★★★★
Quontic Bank Money Market
0.60%
0.50%
0.40%
$0
$100
Competitive rates, no monthly fees, user-friendly online banking platform
BlockFi Interest Account
BlockFi Interest Account
Up to 9.50%
$0
$0
Score up to 9.5% APY with this free crypto-interest account. Not available in New York and not FDIC insured.
Crypto Earn
Crypto Earn
Up to 14.50%
$0
$0
Earn top-tier APYs on more than 40 cryptocurrencies and stablecoins. Not FDIC insured.
Nexo Earn
Nexo Earn
Up to 17.00%
$0
$0
This account accrues up to 17% APY on crypto, and interest gets deposited into your account on a daily basis. Not FDIC insured.
CIT Savings Connect
Finder Rating: 4 / 5: ★★★★★
CIT Savings Connect
0.50%
$0
$100
CIT Savings Connect combines aspects of a checking and savings account in one product.
Discover Online Savings Account
Finder Rating: 4.6 / 5: ★★★★★
Discover Online Savings Account
0.50%
$0
$0
Take advantage of a high-interest online savings account with no fees, no minimums and more.
UFB Direct High Yield Savings
Finder Rating: 3.6 / 5: ★★★★★
UFB Direct High Yield Savings
0.20%
$0
$100
Earn an APY when your balance is higher than $10,000 with this no-monthly-fee savings account.
First Citizens Online Savings
First Citizens Online Savings
0.03%
$0
$50
Stands out for its Manage My Money tool, which lets you monitor your spending and track your net worth by linking various financial accounts. Available to residents in NC, SC, TN, AZ, CA, CO, FL, GA, KS, MD, MO, NM, OK, OR, TX, VA, WA, WV, and WI
CIT Bank Money Market
Finder Rating: 3.9 / 5: ★★★★★
CIT Bank Money Market
0.45%
$0
$100
A savings account with a higher-than-average rate and minimal fees.
CIT Bank Savings Builder High Yield Savings Account
Finder Rating: 4.3 / 5: ★★★★★
CIT Bank Savings Builder High Yield Savings Account
0.40%
0.28%
$0
$100
No account opening or maintenance fees. Daily compounding interest. Earn one of the nation's top rates
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