Best savings accounts

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Deposit amount

$50,000

$0$500,000

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Bankrate score

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

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Bankrate score

Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Product features

Product type

The following accounts can be found at most banks and credit unions. They're federally insured for up to $250,000 and offer a safe place to put your money while earning interest.

Certificate of Deposit (CD)

CDs are best for individuals looking for a guaranteed rate of return that's typically higher than a savings account. In exchange for a higher rate, funds are tied up for a set period of time and early withdrawal penalties may apply.

Checking account

Checking accounts are best for individuals who want to keep their money safe while still having easy, day-to-day access to their funds. ATM and other transactional fees may apply.

Savings / Money Market Accounts (MMA)

Savings and MMAs are good options for individuals looking to save for shorter-term goals. They're a safe way to separate your savings from everyday cash, but may require larger minimum balances and have transfer limitations.

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