Find and Compare the Best Savings Accounts and Money Market Accounts
Sometimes aggressive investments paying the highest returns are extremely inappropriate. People nearing retirement or planning on tapping their college savings in a few years should consider the benefits of asset preservation strategies. That involves a shift from more aggressive choices to very safe investments, like savings and money market accounts.GoTalkMoney believes in safe and secure investments. We comb the Internet daily to find the best savings accounts and money market accounts with high interest rates, and display them in the table below for free. If you want to learn more about our featured banks, click on their rates for more information.
| Institution | Term | Rate | APY | Min. To Earn APY | Details |
|---|---|---|---|---|---|
| STC Capital Bank Rates as of Nov. 6th | 6 month | 2.25% | $1 | Deposits up to $25,000, additions allowed at any time - New local clients only - Main Office located in St Charles, IL | |
| Umbrella Bank Rates as of Nov. 6th | 1 year | 2.08% | 2.10% | $1,000 | |
| Amboy Direct Rates as of Nov. 6th | 1 year | 2.10% | 2.10% | $10,000 | eSavings CD - Earn 2.10% APY for 12 months if you maintain $10,000 balance. Only $100 to open. |
| Century Bank Direct Rates as of Nov. 6th | 10 month | 2.09% | $1,000 | Online CD Rate | |
| Quantum National Bank Rates as of Nov. 6th | 1 year | 2.03% | 2.05% | $1,000 | Relationship CD - Limited to Georgia cutomers only |
| Hanmi Bank Rates as of Nov. 6th | 1 year | 2.02% | $1,000 | Internet CD - California only | |
| Interstate Net Bank Rates as of Nov. 6th | 1 year | 2.00% | 2.02% | $1,000 | |
| Bank of Internet Rates as of Nov. 6th | 1 year | 2.00% | 2.02% | $1,000 | Term 12 to 23 months |
| New Dominion Bank Rates as of Nov. 6th | 1 year | 1.98% | 2.00% | $3,000 | |
| MetLife Bank Rates as of Nov. 6th | 1 year | 2.00% | $25,000 | ||
| H&R Block Bank Rates as of Nov. 6th | 1 year | 1.99% | 2.00% | $250 | |
| Ascencia Bank Rates as of Nov. 6th | 1 year | 1.98% | 2.00% | $500 | |
| State Bank of India Rates as of Nov. 6th | 1 year | 1.96% | $5,000 | ||
| Ally Bank Rates as of Nov. 6th | 1 year | 1.93% | 1.95% | $1 | High-Yield CD |
| Alerus Financial Rates as of Nov. 6th | 6 month | 1.91% | $1,000 | Alerus Life CD - Alerus Life checking account with auto deposit or withdrawal required. Minimum deposit of $1,000. Automatic renewal after six months. Must be age 50 or better. | |
| AIG Bank Rates as of Nov. 6th | 1 year | 1.88% | 1.90% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| Nationwide Bank Rates as of Nov. 6th | 1 year | 1.90% | $500 | ||
| Discover Bank Rates as of Nov. 6th | 1 year | 1.88% | 1.90% | $2,500 | |
| Giantbank Rates as of Nov. 6th | 1 year | 1.84% | 1.86% | $2,500 | Giant Personal CD |
| Acacia Federal Savings Bank Rates as of Nov. 6th | 1 year | 1.83% | 1.85% | $500 | |
| Flagstar Bank Rates as of Nov. 6th | 1 year | 1.85% | $500 | Online CD with Loyalty Checking Account - Must maintain primary checking with Flagstar Bank, average of 15 transactions or $250 recurring ACH transactions per month | |
| La Jolla Bank Rates as of Nov. 6th | 1 year | 1.83% | 1.85% | $10,000 | Online account |
| Country Bank Rates as of Nov. 6th | 6 month | 1.84% | 1.85% | $1,000 | Relationship CD - must maintain $1,000 monthly average balance, and monthly direct deposit |
| Nexity Bank Rates as of Nov. 6th | 1 year | 1.83% | $1,000 | ||
| Grand Bank Rates as of Nov. 6th | 1 year | 1.78% | 1.80% | $1,000 | |
| FirstFedDirect, A Division of First Federal Bank Rates as of Nov. 6th | 1 year | 1.80% | $10,000 | ||
| Seacoast Commerce Bank Rates as of Nov. 6th | 1 year | 1.76% | 1.78% | $10,000 | Internet CD |
| Virtual Bank Rates as of Nov. 6th | 1 year | 1.75% | 1.77% | $10,000 | eCD rates for online account only |
| Acacia Federal Savings Bank Online Rates as of Nov. 6th | 10 month | 1.74% | 1.75% | $500 | 10 month special - Internet |
| E-Loan Rates as of Nov. 6th | 1 year | 1.74% | 1.75% | $10,000 | |
| Bank Mutual Rates as of Nov. 6th | 9 month | 1.75% | $25,000 | ||
| Excel National Bank Rates as of Nov. 6th | 1 year | 1.73% | 1.75% | $10,000 | |
| ING Direct Rates as of Nov. 6th | 1 year | 1.75% | $1 | ||
| MetLife Bank Rates as of Nov. 6th | 1 year | 1.75% | $15,000 | ||
| OneWest Bank Rates as of Nov. 6th | 1 year | 1.69% | 1.70% | $1,000 | Custom Term CD - Branch Rate |
| OneUnited Bank Rates as of Nov. 6th | 1 year | 1.70% | 1.70% | $1,000 | Unity Gold One Year E-CD - Available Online only |
| EverBank Rates as of Nov. 6th | 1 year | 1.69% | 1.70% | $1,500 | Yield Pledge CD |
| Century Bank Direct Rates as of Nov. 6th | 5 month | 1.70% | $1,000 | Online CD Rate | |
| Ultima Bank Rates as of Nov. 6th | 1 year | 1.65% | 1.66% | $1,000 | |
| Goldwater Bank Rates as of Nov. 6th | 1 year | 1.64% | 1.65% | $50,000 | |
| OneWest Bank Rates as of Nov. 6th | 1 year | 1.64% | 1.65% | $5,000 | Online Fixed Rate CD |
| Stonebridge Bank Rates as of Nov. 6th | 1 year | 1.65% | $500 | ||
| MetLife Bank Rates as of Nov. 6th | 9 month | 1.65% | $25,000 | ||
| Ascencia Bank Rates as of Nov. 6th | 6 month | 1.62% | 1.63% | $500 | |
| New Dominion Bank Rates as of Nov. 6th | 6 month | 1.60% | 1.62% | $3,000 | |
| Centennial Bank Rates as of Nov. 6th | 1 year | 1.60% | 1.61% | $10,000 | from CentennialBank.com |
| FirstFedDirect, A Division of First Federal Bank Rates as of Nov. 6th | 6 month | 1.60% | $10,000 | ||
| Country Bank Rates as of Nov. 6th | 6 month | 1.59% | 1.60% | $500 | |
| Tennessee Commerce Bank Rates as of Nov. 6th | 1 year | 1.59% | 1.60% | $2,500 | |
| The Palladian Private Bank Rates as of Nov. 6th | 6 month | 1.59% | 1.60% | $10,000 | |
| MetLife Bank Rates as of Nov. 6th | 9 month | 1.55% | $15,000 | ||
| Fulton Bank Rates as of Nov. 6th | 1 year | 1.54% | 1.55% | $2,500 | Relationship Banking CD - 12 Month Variable Rate - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location |
| Geauga Savings Bank Rates as of Nov. 6th | 1 year | 1.55% | 1.55% | $1,000 | Local funds only, contact retail offices in Ohio |
| Washington Federal Bank for Savings Rates as of Nov. 6th | 10 month | 1.55% | 1.55% | $1,000 | New money only |
| Geddes Federal Savings and Loan Association Rates as of Nov. 6th | 9 month | 1.54% | 1.55% | $500 | Serving Central New York area |
| La Jolla Bank Rates as of Nov. 6th | 6 month | 1.54% | 1.55% | $10,000 | Online account |
| Alerus Financial Rates as of Nov. 6th | 11 month | 1.55% | $2,500 | CD Special | |
| Ridgestone Bank Rates as of Nov. 6th | 9 month | 1.55% | 1.55% | $20,000 | CD Special - New money required, rates may vary by location |
| Weymouth Bank Rates as of Nov. 6th | 9 month | 1.50% | 1.53% | $5,000 | Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area |
| Pacific Mercantile Bank Rates as of Nov. 6th | 6 month | 1.51% | 1.52% | $10,000 | |
| Nexity Bank Rates as of Nov. 6th | 6 month | 1.51% | $1,000 | ||
| State Bank of India Rates as of Nov. 6th | 6 month | 1.51% | $5,000 | ||
| Silvergate Bank Rates as of Nov. 6th | 1 year | 1.50% | 1.51% | $2,500 | |
| First Dakota National Bank Rates as of Nov. 6th | 6 month | 1.50% | 1.51% | $1,000 | |
| Giantbank Rates as of Nov. 6th | 6 month | 1.50% | 1.51% | $2,500 | Giant Personal CD |
| Legacy Bank Rates as of Nov. 6th | 6 month | 1.50% | $10,000 | ||
| Genesee Regional Bank Rates as of Nov. 6th | 6 month | 1.49% | 1.50% | $500 | 6 Month Special - checking and direct deposit required, limited to local New York market area |
| Acacia Federal Savings Bank Rates as of Nov. 6th | 9 month | 1.49% | 1.50% | $500 | |
| Ultima Bank Rates as of Nov. 6th | 9 month | 1.50% | 1.50% | $1,000 | |
| AIG Bank Rates as of Nov. 6th | 6 month | 1.49% | 1.50% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| Beverly National Bank Online Rates as of Nov. 6th | 1 year | 1.50% | $10,000 | Must be opened online with new money to get this rate. | |
| Trustco Bank Rates as of Nov. 6th | 1 year | 1.50% | $500 | Rate may vary by location, market areas FL, NY, MA, NJ, VT | |
| Third Federal S&L Rates as of Nov. 6th | 1 year | 1.50% | $500 | ||
| Doral Bank Direct Rates as of Nov. 6th | 1 year | 1.49% | 1.50% | $1,000 | |
| California First National Bank Rates as of Nov. 6th | 1 year | 1.49% | 1.50% | $5,000 | |
| Presidential Bank Rates as of Nov. 6th | 1 year | 1.50% | $1,000 | Internet CD | |
| HSBC Direct Rates as of Nov. 6th | 1 year | 1.50% | $10 | Online 12-month CD, debit card, pay electronically | |
| TriState Capital Bank Rates as of Nov. 6th | 1 year | 1.49% | 1.50% | $100,000 | Jumbo CD 12 - 17 month term |
| Ally Bank Rates as of Nov. 6th | 9 month | 1.48% | 1.49% | $1 | No Penalty CD - Open with $0, no fees, daily compounded interest, no fee early withdrawal after the first 6 days of funding your CD |
| Interstate Net Bank Rates as of Nov. 6th | 6 month | 1.45% | 1.46% | $1,000 | |
| Imperial Capital Bank Rates as of Nov. 6th | 6 month | 1.45% | 1.46% | $2,000 | iCD |
| Ally Bank Rates as of Nov. 6th | 9 month | 1.44% | 1.45% | $1 | High-Yield CD |
| OneWest Bank Rates as of Nov. 6th | 9 month | 1.44% | 1.45% | $1,000 | Custom Term CD - Branch Rate |
| OneWest Bank Rates as of Nov. 6th | 6 month | 1.44% | 1.45% | $1,000 | Custom Term CD - Branch Rate |
| E-Loan Rates as of Nov. 6th | 9 month | 1.44% | 1.45% | $10,000 | |
| Ally Bank Rates as of Nov. 6th | 6 month | 1.44% | 1.45% | $1 | High-Yield CD |
| Transportation Alliance Bank Rates as of Nov. 6th | 1 year | 1.39% | 1.40% | $1,000 | |
| Excel National Bank Rates as of Nov. 6th | 6 month | 1.39% | 1.40% | $10,000 | |
| OnBank Rates as of Nov. 6th | 1 year | 1.40% | $500 | ||
| Rhinebeck Savings Bank Rates as of Nov. 6th | 1 year | 1.39% | 1.40% | $10,000 | |
| TriState Capital Bank Rates as of Nov. 6th | 1 year | 1.39% | 1.40% | $25,000 | 12 - 17 month term |
| E-Loan Rates as of Nov. 6th | 6 month | 1.39% | 1.40% | $10,000 | |
| Silvergate Bank Rates as of Nov. 6th | 7 month | 1.35% | 1.36% | $10,000 | CD Special |
| M and T Bank Rates as of Nov. 6th | 1 year | 1.35% | $1,000 | Select Promo CD - open with new money, personal account only, must have M and T checking account, geographic restrictions, rate and products may vary by location | |
| Principal Bank Rates as of Nov. 6th | 7 month | 1.30% | 1.31% | $5,000 | Special CD |
| Ultima Bank Rates as of Nov. 6th | 6 month | 1.30% | 1.31% | $1,000 | |
| Amegy Bank of Texas Rates as of Nov. 6th | 1 year | 1.29% | 1.30% | $10,000 | Personal Internet CD |
| Earthstar Bank Rates as of Nov. 6th | 6 month | 1.29% | 1.30% | $500 | |
| Metropolitan National Bank Rates as of Nov. 6th | 1 year | 1.30% | $2,500 | Rate/APY may vary by location | |
| Geauga Savings Bank Rates as of Nov. 6th | 6 month | 1.30% | 1.30% | $1,000 | Local funds only, contact retail offices in Ohio |
| Nationwide Bank Rates as of Nov. 6th | 6 month | 1.30% | $500 | ||
| Fulton Bank Rates as of Nov. 6th | 1 year | 1.29% | 1.30% | $2,500 | Regular CD - 12 Month Variable Rate - rates vary by geographic location |
| Weymouth Bank Rates as of Nov. 6th | 6 month | 1.25% | 1.28% | $5,000 | Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area |
| Weymouth Bank Rates as of Nov. 6th | 1 year | 1.25% | 1.28% | $1,000 | Regular CD - South Shore Massachusetts market area |
| Virtual Bank Rates as of Nov. 6th | 9 month | 1.25% | 1.26% | $10,000 | eCD rates for online account only |
| First National Bank of Groton Rates as of Nov. 6th | 1 year | 1.25% | 1.26% | $10,000 | 1 Year Renewable Once CD - renew once at the same rate or higher, limited to local New York market area |
| Virtual Bank Rates as of Nov. 6th | 6 month | 1.25% | 1.26% | $10,000 | eCD rates for online account only |
| Beal Bank Rates as of Nov. 6th | 1 year | 1.25% | 1.26% | $1,000 | Must be opened online to get this rate. |
| EverBank Rates as of Nov. 6th | 6 month | 1.24% | 1.25% | $1,500 | Yield Pledge CD |
| EverBank Rates as of Nov. 6th | 9 month | 1.24% | 1.25% | $1,500 | Yield Pledge CD |
| OneWest Bank Rates as of Nov. 6th | 9 month | 1.24% | 1.25% | $5,000 | Online Fixed Rate CD |
| Beverly National Bank Online Rates as of Nov. 6th | 6 month | 1.25% | $10,000 | Must be opened online with new money to get this rate. | |
| Chemung Canal Trust Company Rates as of Nov. 6th | 5 month | 1.24% | 1.25% | $1,000 | New money only, must have CCTC checking, will roll into 6 month product unless otherwise directed, limited to local New York market area |
| Astoria Federal Savings Bank Rates as of Nov. 6th | 1 year | 1.24% | 1.25% | $500 | |
| Presidential Bank Rates as of Nov. 6th | 6 month | 1.25% | $1,000 | Internet CD | |
| Doral Bank Direct Rates as of Nov. 6th | 6 month | 1.24% | 1.25% | $1,000 | |
| ING Direct Rates as of Nov. 6th | 6 month | 1.25% | $1 | ||
| Transportation Alliance Bank Rates as of Nov. 6th | 6 month | 1.19% | 1.20% | $1,000 | |
| Sovereign Bank Rates as of Nov. 6th | 1 year | 1.20% | $500 | With Premier Checking | |
| Third Federal S&L Rates as of Nov. 6th | 6 month | 1.20% | $500 | ||
| Bank of Internet Rates as of Nov. 6th | 6 month | 1.19% | 1.20% | $1,000 | Term 6 to 11 months |
| Zions Bank Rates as of Nov. 6th | 1 year | 1.15% | 1.16% | $1,000 | Internet CD |
| First National Bank of Groton Rates as of Nov. 6th | 1 year | 1.15% | 1.16% | $1,000 | Limited to local New York market area |
| Goldwater Bank Rates as of Nov. 6th | 6 month | 1.15% | 1.16% | $50,000 | |
| Earthstar Bank Rates as of Nov. 6th | 5 month | 1.14% | 1.15% | $500 | |
| OneWest Bank Rates as of Nov. 6th | 6 month | 1.14% | 1.15% | $5,000 | Online Fixed Rate CD |
| Rome Savings Bank Rates as of Nov. 6th | 1 year | 1.14% | 1.15% | $500 | |
| Watertown Savings Bank Rates as of Nov. 6th | 6 month | 1.08% | 1.10% | $500 | Limited to Jefferson County in New York |
| Provident Bank Rates as of Nov. 6th | 6 month | 1.09% | 1.10% | $500 | Regular CD - Limited to New York market area |
| Bank of America Rates as of Nov. 6th | 1 year | 1.09% | 1.10% | $5,000 | High Yield Promotional CD - Rate offered applies to accounts opened online. Rates stated are New York Consumer rates, contact Bank of America for rates in your area. Some products may not be available in all states. |
| Sterling Bank Rates as of Nov. 6th | 6 month | 1.05% | 1.05% | $500 | APY's stated may vary between states due to market condition |
| Geauga Savings Bank Rates as of Nov. 6th | 3 month | 1.05% | 1.05% | $1,000 | Local funds only, contact retail offices in Ohio |
| TD Bank Rates as of Nov. 6th | 9 month | 1.05% | $250 | Basic CD - Rate may vary by location. Market area from Maine to Florida | |
| Greystone Bank Rates as of Nov. 6th | 1 year | 1.05% | $50,000 | ||
| Intervest National Bank Rates as of Nov. 6th | 6 month | 1.04% | 1.05% | $2,500 | |
| Acacia Federal Savings Bank Rates as of Nov. 6th | 6 month | 1.05% | 1.05% | $500 | |
| Weymouth Bank Rates as of Nov. 6th | 6 month | 1.00% | 1.02% | $5,000 | Regular CD - South Shore Massachusetts market area |
| FultDirect.com Rates as of Nov. 6th | 6 month | 1.00% | 1.00% | $10,000 | |
| H&R Block Bank Rates as of Nov. 6th | 6 month | 0.99% | 1.00% | $250 | |
| Fulton Bank Rates as of Nov. 6th | 1 year | 1.00% | 1.00% | $500 | Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location |
| Discover Bank Rates as of Nov. 6th | 6 month | 1.00% | 1.00% | $2,500 | |
| TriState Capital Bank Rates as of Nov. 6th | 6 month | 1.00% | 1.00% | $100,000 | Jumbo CD 6 - 11 month term |
| TriState Capital Bank Rates as of Nov. 6th | 9 month | 1.00% | 1.00% | $100,000 | Jumbo CD 6 - 11 month term |
| Beverly National Bank Rates as of Nov. 6th | 1 year | 1.00% | 1.00% | $1,000 | |
| Waterfield Bank Rates as of Nov. 6th | 1 year | 0.99% | 1.00% | $25,000 | |
| First Internet Bank Rates as of Nov. 6th | 6 month | 1.00% | 1.00% | $1,000 | |
| Fulton Bank Rates as of Nov. 6th | 6 month | 1.00% | 1.00% | $500 | Relationship Banking CD - $5,000 minimum daily balance in Relationship Account, or $15,000 in Fulton Bank deposits or $20,000 combined deposit and loan balances- rates vary by geographic location |
| Amegy Bank of Texas Rates as of Nov. 6th | 6 month | 0.95% | 0.95% | $10,000 | Personal Internet CD |
| HSBC Direct Rates as of Nov. 6th | 9 month | 0.90% | $10 | Online CD | |
| TriState Capital Bank Rates as of Nov. 6th | 6 month | 0.90% | 0.90% | $25,000 | 6 - 11 month term |
| Astoria Federal Savings Bank Rates as of Nov. 6th | 9 month | 0.85% | 0.85% | $500 | |
| Tennessee Commerce Bank Rates as of Nov. 6th | 6 month | 0.85% | 0.85% | $2,500 | |
| Waterfield Bank Rates as of Nov. 6th | 1 year | 0.80% | 0.80% | $1,000 | |
| Astoria Federal Savings Bank Rates as of Nov. 6th | 6 month | 0.75% | 0.75% | $500 | |
| Zions Bank Rates as of Nov. 6th | 1 year | 0.70% | 0.70% | $1,000 | Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate. |
| Waterfield Bank Rates as of Nov. 6th | 6 month | 0.65% | 0.65% | $1,000 | |
| HSBC Direct Rates as of Nov. 6th | 6 month | 0.50% | $10 | Online CD |
