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 |
|---|---|---|---|---|---|
| Umbrella Bank Rates as of Nov. 20th | 1 year | 2.08% | 2.10% | $1,000 | |
| MetLife Bank Rates as of Nov. 20th | 1 year | 2.00% | $25,000 | ||
| H&R Block Bank Rates as of Nov. 20th | 1 year | 1.99% | 2.00% | $250 | |
| Colorado Federal Savings Bank Rates as of Nov. 20th | 1 year | 1.98% | 2.00% | $5,000 | Online CD |
| Hanmi Bank Rates as of Nov. 20th | 1 year | 1.97% | $1,000 | Internet CD - California only | |
| State Bank of India Rates as of Nov. 20th | 1 year | 1.96% | $5,000 | ||
| New Dominion Bank Rates as of Nov. 20th | 1 year | 1.90% | 1.92% | $3,000 | |
| Ascencia Bank Rates as of Nov. 20th | 1 year | 1.89% | 1.91% | $500 | |
| AIG Bank Rates as of Nov. 20th | 1 year | 1.88% | 1.90% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| Ally Bank Rates as of Nov. 20th | 1 year | 1.88% | 1.90% | $1 | High-Yield CD |
| Discover Bank Rates as of Nov. 20th | 1 year | 1.88% | 1.90% | $2,500 | |
| Quantum National Bank Rates as of Nov. 20th | 1 year | 1.89% | 1.90% | $1,000 | Relationship CD - Limited to Georgia cutomers only |
| Giantbank Rates as of Nov. 20th | 1 year | 1.84% | 1.86% | $2,500 | Giant Personal CD |
| Country Bank Rates as of Nov. 20th | 6 month | 1.84% | 1.85% | $1,000 | Relationship CD - must have checking account with Country Bank with $1,000 monthly average balance, and monthly direct deposit |
| Flagstar Bank Rates as of Nov. 20th | 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 | |
| Nexity Bank Rates as of Nov. 20th | 1 year | 1.82% | $1,000 | ||
| Nationwide Bank Rates as of Nov. 20th | 1 year | 1.80% | $500 | ||
| La Jolla Bank Rates as of Nov. 20th | 1 year | 1.79% | 1.80% | $10,000 | Online account |
| FirstFedDirect, A Division of First Federal Bank Rates as of Nov. 20th | 1 year | 1.80% | $10,000 | ||
| Virtual Bank Rates as of Nov. 20th | 1 year | 1.75% | 1.77% | $10,000 | eCD rates for online account only |
| Interstate Net Bank Rates as of Nov. 20th | 1 year | 1.75% | 1.77% | $1,000 | |
| Alerus Financial Rates as of Nov. 20th | 6 month | 1.76% | $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. | |
| Imperial Capital Bank Rates as of Nov. 20th | 1 year | 1.75% | 1.76% | $2,000 | iCD |
| Centennial Bank Rates as of Nov. 20th | 1 year | 1.75% | 1.76% | $10,000 | from CentennialBank.com |
| Amboy Direct Rates as of Nov. 20th | 1 year | 1.75% | 1.75% | $10,000 | eSavings CD - Earn 1.75% APY for 12 months if you maintain $10,000 balance, $100 to open |
| E-Loan Rates as of Nov. 20th | 1 year | 1.74% | 1.75% | $10,000 | |
| STC Capital Bank Rates as of Nov. 20th | 6 month | 1.75% | $1 | Deposits up to $25,000, additions allowed at any time - New local clients only - Main Office located in St Charles, IL | |
| MetLife Bank Rates as of Nov. 20th | 1 year | 1.75% | $15,000 | ||
| Acacia Federal Savings Bank Rates as of Nov. 20th | 1 year | 1.74% | 1.75% | $500 | Rate effective 11/23/2009 |
| ING Direct Rates as of Nov. 20th | 1 year | 1.75% | $1 | ||
| Excel National Bank Rates as of Nov. 20th | 1 year | 1.72% | 1.74% | $10,000 | APY for balances under 100K |
| National Bank of Kansas City Rates as of Nov. 20th | 1 year | 1.69% | 1.70% | $1 | Personal CD 12 - 23 Month - open online, $5,000 to open |
| OneWest Bank Rates as of Nov. 20th | 1 year | 1.69% | 1.70% | $1,000 | Branch and Call Center CD Rates |
| Bank Mutual Rates as of Nov. 20th | 9 month | 1.70% | $25,000 | ||
| OneUnited Bank Rates as of Nov. 20th | 1 year | 1.70% | 1.70% | $1,000 | Unity Gold One Year E-CD - Available Online only |
| Ultima Bank Rates as of Nov. 20th | 1 year | 1.65% | 1.66% | $1,000 | |
| Stonebridge Bank Rates as of Nov. 20th | 1 year | 1.65% | $500 | ||
| EverBank Rates as of Nov. 20th | 1 year | 1.64% | 1.65% | $1,500 | Yield Pledge CD |
| MetLife Bank Rates as of Nov. 20th | 9 month | 1.65% | $25,000 | ||
| Goldwater Bank Rates as of Nov. 20th | 1 year | 1.64% | 1.65% | $50,000 | |
| OneWest Bank Rates as of Nov. 20th | 1 year | 1.64% | 1.65% | $5,000 | Online CD |
| Bank of Internet Rates as of Nov. 20th | 1 year | 1.64% | 1.65% | $1,000 | Term 12 to 23 months |
| Earthstar Bank Rates as of Nov. 20th | 9 month | 1.59% | 1.60% | $500 | CD Special |
| FirstFedDirect, A Division of First Federal Bank Rates as of Nov. 20th | 6 month | 1.60% | $10,000 | ||
| Tennessee Commerce Bank Rates as of Nov. 20th | 1 year | 1.59% | 1.60% | $2,500 | |
| The Palladian Private Bank Rates as of Nov. 20th | 6 month | 1.59% | 1.60% | $10,000 | |
| Country Bank Rates as of Nov. 20th | 6 month | 1.59% | 1.60% | $500 | |
| Century Bank Direct Rates as of Nov. 20th | 10 month | 1.55% | $1,000 | Online CD Rate | |
| Washington Federal Bank for Savings Rates as of Nov. 20th | 10 month | 1.55% | 1.55% | $1,000 | New money only |
| Fulton Bank Rates as of Nov. 20th | 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 |
| Alerus Financial Rates as of Nov. 20th | 10 month | 1.55% | $2,500 | CD Special | |
| MetLife Bank Rates as of Nov. 20th | 9 month | 1.55% | $15,000 | ||
| Ridgestone Bank Rates as of Nov. 20th | 9 month | 1.55% | 1.55% | $20,000 | CD Special - New money required, rates may vary by location |
| Ascencia Bank Rates as of Nov. 20th | 6 month | 1.54% | 1.55% | $500 | |
| Grand Bank Rates as of Nov. 20th | 1 year | 1.54% | 1.55% | $1,000 | |
| Geddes Federal Savings and Loan Association Rates as of Nov. 20th | 9 month | 1.54% | 1.55% | $500 | Serving Central New York area |
| Weymouth Bank Rates as of Nov. 20th | 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. 20th | 6 month | 1.51% | 1.52% | $10,000 | |
| Giantbank Rates as of Nov. 20th | 6 month | 1.50% | 1.51% | $2,500 | Giant Personal CD |
| Virtual Bank Rates as of Nov. 20th | 6 month | 1.50% | 1.51% | $10,000 | eCD rates for online account only |
| First Dakota National Bank Rates as of Nov. 20th | 6 month | 1.50% | 1.51% | $1,000 | |
| State Bank of India Rates as of Nov. 20th | 6 month | 1.51% | $5,000 | ||
| Earthstar Bank Rates as of Nov. 20th | 7 month | 1.49% | 1.50% | $500 | |
| Genesee Regional Bank Rates as of Nov. 20th | 6 month | 1.49% | 1.50% | $500 | 6 Month Special - checking and direct deposit required, limited to local New York market area |
| Ultima Bank Rates as of Nov. 20th | 9 month | 1.50% | 1.50% | $1,000 | |
| La Jolla Bank Rates as of Nov. 20th | 6 month | 1.49% | 1.50% | $10,000 | Online account |
| New Dominion Bank Rates as of Nov. 20th | 6 month | 1.48% | 1.50% | $3,000 | |
| Northwest Savings Bank Rates as of Nov. 20th | 1 year | 1.50% | $500 | Promotion CD - only available to existing customers, limited to local western New York market area | |
| TriState Capital Bank Rates as of Nov. 20th | 1 year | 1.49% | 1.50% | $100,000 | Jumbo CD 12 - 17 month term |
| Beverly National Bank Online Rates as of Nov. 20th | 1 year | 1.50% | $10,000 | Must be opened online with new money to get this rate. | |
| Doral Bank Direct Rates as of Nov. 20th | 1 year | 1.49% | 1.50% | $1,000 | |
| Geauga Savings Bank Rates as of Nov. 20th | 1 year | 1.50% | 1.50% | $1,000 | Local funds only, contact retail offices in Ohio |
| Third Federal S&L Rates as of Nov. 20th | 1 year | 1.50% | $500 | ||
| HSBC Direct Rates as of Nov. 20th | 1 year | 1.50% | $10 | Online 12-month CD, debit card, pay electronically | |
| California First National Bank Rates as of Nov. 20th | 1 year | 1.49% | 1.50% | $5,000 | |
| Presidential Bank Rates as of Nov. 20th | 1 year | 1.50% | $1,000 | Internet CD | |
| Nexity Bank Rates as of Nov. 20th | 6 month | 1.49% | $1,000 | ||
| Ally Bank Rates as of Nov. 20th | 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 |
| AIG Bank Rates as of Nov. 20th | 6 month | 1.44% | 1.45% | $2,500 | High Yeild CD - FDIC insured with no market risk. Open an account online or by phone! |
| OneWest Bank Rates as of Nov. 20th | 6 month | 1.44% | 1.45% | $1,000 | Branch and Call Center CD Rates |
| Ally Bank Rates as of Nov. 20th | 6 month | 1.44% | 1.45% | $1 | High-Yield CD |
| OneWest Bank Rates as of Nov. 20th | 9 month | 1.44% | 1.45% | $1,000 | Branch and Call Center CD Rates |
| Ally Bank Rates as of Nov. 20th | 9 month | 1.44% | 1.45% | $1 | High-Yield CD |
| E-Loan Rates as of Nov. 20th | 9 month | 1.44% | 1.45% | $10,000 | |
| Silvergate Bank Rates as of Nov. 20th | 1 year | 1.40% | 1.41% | $2,500 | |
| Interstate Net Bank Rates as of Nov. 20th | 6 month | 1.40% | 1.41% | $1,000 | |
| Excel National Bank Rates as of Nov. 20th | 6 month | 1.39% | 1.40% | $10,000 | APY for balances under 100K |
| Transportation Alliance Bank Rates as of Nov. 20th | 1 year | 1.39% | 1.40% | $1,000 | |
| Century Bank Direct Rates as of Nov. 20th | 5 month | 1.40% | $1,000 | Online CD Rate | |
| Rhinebeck Savings Bank Rates as of Nov. 20th | 1 year | 1.39% | 1.40% | $10,000 | |
| OnBank Rates as of Nov. 20th | 1 year | 1.40% | $500 | ||
| TriState Capital Bank Rates as of Nov. 20th | 1 year | 1.39% | 1.40% | $25,000 | 12 - 17 month term |
| E-Loan Rates as of Nov. 20th | 6 month | 1.39% | 1.40% | $10,000 | |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 9 month | 1.39% | 1.40% | $500 | Rate effective 11/23/2009 |
| M and T Bank Rates as of Nov. 20th | 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 | |
| EverBank Rates as of Nov. 20th | 6 month | 1.34% | 1.35% | $1,500 | Yield Pledge CD |
| EverBank Rates as of Nov. 20th | 9 month | 1.34% | 1.35% | $1,500 | Yield Pledge CD |
| Tompkins Trust Company Rates as of Nov. 20th | 7 month | 1.35% | $1,000 | True Advantage 7 Month Special - requires True Advantage Checking or Checking Plus Account, limited to local New York market area | |
| Ultima Bank Rates as of Nov. 20th | 6 month | 1.30% | 1.31% | $1,000 | |
| Principal Bank Rates as of Nov. 20th | 7 month | 1.30% | 1.31% | $5,000 | Special CD |
| Fulton Bank Rates as of Nov. 20th | 1 year | 1.29% | 1.30% | $2,500 | Regular CD - 12 Month Variable Rate - rates vary by geographic location |
| Amegy Bank of Texas Rates as of Nov. 20th | 1 year | 1.29% | 1.30% | $10,000 | Personal Internet CD - open online |
| Earthstar Bank Rates as of Nov. 20th | 6 month | 1.29% | 1.30% | $500 | |
| Metropolitan National Bank Rates as of Nov. 20th | 1 year | 1.30% | $2,500 | Rate/APY may vary by location | |
| Weymouth Bank Rates as of Nov. 20th | 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. 20th | 1 year | 1.25% | 1.28% | $1,000 | Regular CD - South Shore Massachusetts market area |
| Silvergate Bank Rates as of Nov. 20th | 7 month | 1.25% | 1.26% | $10,000 | CD Special |
| Beal Bank Rates as of Nov. 20th | 1 year | 1.25% | 1.26% | $1,000 | Must be opened online to get this rate. |
| First National Bank of Groton Rates as of Nov. 20th | 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. 20th | 9 month | 1.25% | 1.26% | $10,000 | eCD rates for online account only |
| Beverly National Bank Online Rates as of Nov. 20th | 6 month | 1.25% | $10,000 | Must be opened online with new money to get this rate. | |
| OneWest Bank Rates as of Nov. 20th | 9 month | 1.24% | 1.25% | $5,000 | Online CD |
| Trustco Bank Rates as of Nov. 20th | 1 year | 1.25% | $500 | Rate may vary by location, market areas FL, NY, MA, NJ, VT | |
| Chemung Canal Trust Company Rates as of Nov. 20th | 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 |
| Presidential Bank Rates as of Nov. 20th | 6 month | 1.25% | $1,000 | Internet CD | |
| Greystone Bank Rates as of Nov. 20th | 1 year | 1.25% | $50,000 | ||
| Doral Bank Direct Rates as of Nov. 20th | 6 month | 1.24% | 1.25% | $1,000 | |
| Legacy Bank Rates as of Nov. 20th | 6 month | 1.25% | $10,000 | ||
| Geauga Savings Bank Rates as of Nov. 20th | 6 month | 1.25% | 1.25% | $1,000 | Local funds only, contact retail offices in Ohio |
| ING Direct Rates as of Nov. 20th | 6 month | 1.25% | $1 | ||
| Third Federal S&L Rates as of Nov. 20th | 6 month | 1.20% | $500 | ||
| Bank of Internet Rates as of Nov. 20th | 6 month | 1.19% | 1.20% | $1,000 | Term 6 to 11 months |
| Transportation Alliance Bank Rates as of Nov. 20th | 6 month | 1.19% | 1.20% | $1,000 | |
| Bank of America Rates as of Nov. 20th | 1 year | 1.19% | 1.20% | $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. |
| Nationwide Bank Rates as of Nov. 20th | 6 month | 1.20% | $500 | ||
| Tompkins Trust Company Rates as of Nov. 20th | 6 month | 1.20% | $1,000 | 6 - 8 month CD, limited to local New York market area | |
| First National Bank of Groton Rates as of Nov. 20th | 1 year | 1.15% | 1.16% | $1,000 | Limited to local New York market area |
| Goldwater Bank Rates as of Nov. 20th | 6 month | 1.15% | 1.16% | $50,000 | |
| Rome Savings Bank Rates as of Nov. 20th | 1 year | 1.14% | 1.15% | $500 | |
| Sovereign Bank Rates as of Nov. 20th | 1 year | 1.15% | $500 | With Premier Checking | |
| OneWest Bank Rates as of Nov. 20th | 6 month | 1.14% | 1.15% | $5,000 | Online CD |
| Watertown Savings Bank Rates as of Nov. 20th | 6 month | 1.08% | 1.10% | $500 | Limited to Jefferson County in New York |
| Zions Bank Rates as of Nov. 20th | 1 year | 1.05% | 1.05% | $1,000 | Internet CD |
| TD Bank Rates as of Nov. 20th | 9 month | 1.05% | $250 | Basic CD - Rate may vary by location. Market area from Maine to Florida | |
| Geauga Savings Bank Rates as of Nov. 20th | 3 month | 1.05% | 1.05% | $1,000 | Local funds only, contact retail offices in Ohio |
| Acacia Federal Savings Bank Rates as of Nov. 20th | 6 month | 1.05% | 1.05% | $500 | Rate effective 11/23/2009 |
| Intervest National Bank Rates as of Nov. 20th | 6 month | 1.04% | 1.05% | $2,500 | |
| Sterling Bank Rates as of Nov. 20th | 6 month | 1.05% | 1.05% | $500 | APY's stated may vary between states due to market condition |
| Astoria Federal Savings Bank Rates as of Nov. 20th | 1 year | 1.04% | 1.05% | $500 | |
| Weymouth Bank Rates as of Nov. 20th | 6 month | 1.00% | 1.02% | $5,000 | Regular CD - South Shore Massachusetts market area |
| Fulton Bank Rates as of Nov. 20th | 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 |
| Fulton Bank Rates as of Nov. 20th | 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 |
| H&R Block Bank Rates as of Nov. 20th | 6 month | 0.99% | 1.00% | $250 | |
| Beverly National Bank Rates as of Nov. 20th | 1 year | 1.00% | 1.00% | $1,000 | |
| Discover Bank Rates as of Nov. 20th | 6 month | 1.00% | 1.00% | $2,500 | |
| TriState Capital Bank Rates as of Nov. 20th | 9 month | 1.00% | 1.00% | $100,000 | Jumbo CD 6 - 11 month term |
| First Internet Bank Rates as of Nov. 20th | 6 month | 1.00% | 1.00% | $1,000 | |
| Provident Bank Rates as of Nov. 20th | 1 year | 1.00% | 1.00% | $500 | Regular CD - Limited to New York market area |
| Waterfield Bank Rates as of Nov. 20th | 1 year | 0.99% | 1.00% | $25,000 | |
| Seacoast Commerce Bank Rates as of Nov. 20th | 1 year | 1.00% | 1.00% | $10,000 | Bank by Mail CD |
| TriState Capital Bank Rates as of Nov. 20th | 6 month | 1.00% | 1.00% | $100,000 | Jumbo CD 6 - 11 month term |
| FultDirect.com Rates as of Nov. 20th | 6 month | 1.00% | 1.00% | $10,000 | |
| Amegy Bank of Texas Rates as of Nov. 20th | 6 month | 0.95% | 0.95% | $10,000 | Personal Internet CD - open online |
| TriState Capital Bank Rates as of Nov. 20th | 6 month | 0.90% | 0.90% | $25,000 | 6 - 11 month term |
| HSBC Direct Rates as of Nov. 20th | 9 month | 0.90% | $10 | Online CD | |
| Tennessee Commerce Bank Rates as of Nov. 20th | 6 month | 0.85% | 0.85% | $2,500 | |
| Astoria Federal Savings Bank Rates as of Nov. 20th | 9 month | 0.85% | 0.85% | $500 | |
| Waterfield Bank Rates as of Nov. 20th | 1 year | 0.80% | 0.80% | $1,000 | |
| Astoria Federal Savings Bank Rates as of Nov. 20th | 6 month | 0.75% | 0.75% | $500 | |
| Zions Bank Rates as of Nov. 20th | 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. 20th | 6 month | 0.65% | 0.65% | $1,000 | |
| HSBC Direct Rates as of Nov. 20th | 6 month | 0.50% | $10 | Online CD |
