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.







TermRateAPYMin. To Earn APYDetails
6 month2.25%$1Deposits up to $25,000, additions allowed at any time - New local clients only - Main Office located in St Charles, IL
1 year2.08%2.10%$1,000
1 year2.10%2.10%$10,000eSavings CD - Earn 2.10% APY for 12 months if you maintain $10,000 balance. Only $100 to open.
10 month2.09%$1,000Online CD Rate
1 year2.03%2.05%$1,000Relationship CD - Limited to Georgia cutomers only
1 year2.02%$1,000Internet CD - California only
1 year2.00%2.02%$1,000
1 year2.00%2.02%$1,000Term 12 to 23 months
1 year1.98%2.00%$3,000
1 year2.00%$25,000
1 year1.99%2.00%$250
1 year1.98%2.00%$500
1 year1.96%$5,000
1 year1.93%1.95%$1High-Yield CD
6 month1.91%$1,000Alerus 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.
1 year1.88%1.90%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.90%$500
1 year1.88%1.90%$2,500
1 year1.84%1.86%$2,500Giant Personal CD
1 year1.83%1.85%$500
1 year1.85%$500Online CD with Loyalty Checking Account - Must maintain primary checking with Flagstar Bank, average of 15 transactions or $250 recurring ACH transactions per month
1 year1.83%1.85%$10,000Online account
6 month1.84%1.85%$1,000Relationship CD - must maintain $1,000 monthly average balance, and monthly direct deposit
1 year1.83%$1,000
1 year1.78%1.80%$1,000
1 year1.80%$10,000
1 year1.76%1.78%$10,000Internet CD
1 year1.75%1.77%$10,000eCD rates for online account only
10 month1.74%1.75%$50010 month special - Internet
1 year1.74%1.75%$10,000
9 month1.75%$25,000
1 year1.73%1.75%$10,000
1 year1.75%$1
1 year1.75%$15,000
1 year1.69%1.70%$1,000Custom Term CD - Branch Rate
1 year1.70%1.70%$1,000Unity Gold One Year E-CD - Available Online only
1 year1.69%1.70%$1,500Yield Pledge CD
5 month1.70%$1,000Online CD Rate
1 year1.65%1.66%$1,000
1 year1.64%1.65%$50,000
1 year1.64%1.65%$5,000Online Fixed Rate CD
1 year1.65%$500
9 month1.65%$25,000
6 month1.62%1.63%$500
6 month1.60%1.62%$3,000
1 year1.60%1.61%$10,000from CentennialBank.com
6 month1.60%$10,000
6 month1.59%1.60%$500
1 year1.59%1.60%$2,500
6 month1.59%1.60%$10,000
9 month1.55%$15,000
1 year1.54%1.55%$2,500Relationship 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
1 year1.55%1.55%$1,000Local funds only, contact retail offices in Ohio
10 month1.55%1.55%$1,000New money only
9 month1.54%1.55%$500Serving Central New York area
6 month1.54%1.55%$10,000Online account
11 month1.55%$2,500CD Special
9 month1.55%1.55%$20,000CD Special - New money required, rates may vary by location
9 month1.50%1.53%$5,000Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area
6 month1.51%1.52%$10,000
6 month1.51%$1,000
6 month1.51%$5,000
1 year1.50%1.51%$2,500
6 month1.50%1.51%$1,000
6 month1.50%1.51%$2,500Giant Personal CD
6 month1.50%$10,000
6 month1.49%1.50%$5006 Month Special - checking and direct deposit required, limited to local New York market area
9 month1.49%1.50%$500
9 month1.50%1.50%$1,000
6 month1.49%1.50%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.50%$10,000Must be opened online with new money to get this rate.
1 year1.50%$500Rate may vary by location, market areas FL, NY, MA, NJ, VT
1 year1.50%$500
1 year1.49%1.50%$1,000
1 year1.49%1.50%$5,000
1 year1.50%$1,000Internet CD
1 year1.50%$10Online 12-month CD, debit card, pay electronically
1 year1.49%1.50%$100,000Jumbo CD 12 - 17 month term
9 month1.48%1.49%$1No Penalty CD - Open with $0, no fees, daily compounded interest, no fee early withdrawal after the first 6 days of funding your CD
6 month1.45%1.46%$1,000
6 month1.45%1.46%$2,000iCD
9 month1.44%1.45%$1High-Yield CD
9 month1.44%1.45%$1,000Custom Term CD - Branch Rate
6 month1.44%1.45%$1,000Custom Term CD - Branch Rate
9 month1.44%1.45%$10,000
6 month1.44%1.45%$1High-Yield CD
1 year1.39%1.40%$1,000
6 month1.39%1.40%$10,000
1 year1.40%$500
1 year1.39%1.40%$10,000
1 year1.39%1.40%$25,00012 - 17 month term
6 month1.39%1.40%$10,000
7 month1.35%1.36%$10,000CD Special
1 year1.35%$1,000Select 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
7 month1.30%1.31%$5,000Special CD
6 month1.30%1.31%$1,000
1 year1.29%1.30%$10,000Personal Internet CD
6 month1.29%1.30%$500
1 year1.30%$2,500Rate/APY may vary by location
6 month1.30%1.30%$1,000Local funds only, contact retail offices in Ohio
6 month1.30%$500
1 year1.29%1.30%$2,500Regular CD - 12 Month Variable Rate - rates vary by geographic location
6 month1.25%1.28%$5,000Gold CD Relationship Package - must maintain combined minimum balance of $5,000 in eligible accounts, South Shore Massachusetts market area
1 year1.25%1.28%$1,000Regular CD - South Shore Massachusetts market area
9 month1.25%1.26%$10,000eCD rates for online account only
1 year1.25%1.26%$10,0001 Year Renewable Once CD - renew once at the same rate or higher, limited to local New York market area
6 month1.25%1.26%$10,000eCD rates for online account only
1 year1.25%1.26%$1,000Must be opened online to get this rate.
6 month1.24%1.25%$1,500Yield Pledge CD
9 month1.24%1.25%$1,500Yield Pledge CD
9 month1.24%1.25%$5,000Online Fixed Rate CD
6 month1.25%$10,000Must be opened online with new money to get this rate.
5 month1.24%1.25%$1,000New money only, must have CCTC checking, will roll into 6 month product unless otherwise directed, limited to local New York market area
1 year1.24%1.25%$500
6 month1.25%$1,000Internet CD
6 month1.24%1.25%$1,000
6 month1.25%$1
6 month1.19%1.20%$1,000
1 year1.20%$500With Premier Checking
6 month1.20%$500
6 month1.19%1.20%$1,000Term 6 to 11 months
1 year1.15%1.16%$1,000Internet CD
1 year1.15%1.16%$1,000Limited to local New York market area
6 month1.15%1.16%$50,000
5 month1.14%1.15%$500
6 month1.14%1.15%$5,000Online Fixed Rate CD
1 year1.14%1.15%$500
6 month1.08%1.10%$500Limited to Jefferson County in New York
6 month1.09%1.10%$500Regular CD - Limited to New York market area
1 year1.09%1.10%$5,000High 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.
6 month1.05%1.05%$500APY's stated may vary between states due to market condition
3 month1.05%1.05%$1,000Local funds only, contact retail offices in Ohio
9 month1.05%$250Basic CD - Rate may vary by location. Market area from Maine to Florida
1 year1.05%$50,000
6 month1.04%1.05%$2,500
6 month1.05%1.05%$500
6 month1.00%1.02%$5,000Regular CD - South Shore Massachusetts market area
6 month1.00%1.00%$10,000
6 month0.99%1.00%$250
1 year1.00%1.00%$500Relationship 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
6 month1.00%1.00%$2,500
6 month1.00%1.00%$100,000Jumbo CD 6 - 11 month term
9 month1.00%1.00%$100,000Jumbo CD 6 - 11 month term
1 year1.00%1.00%$1,000
1 year0.99%1.00%$25,000
6 month1.00%1.00%$1,000
6 month1.00%1.00%$500Relationship 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
6 month0.95%0.95%$10,000Personal Internet CD
9 month0.90%$10Online CD
6 month0.90%0.90%$25,0006 - 11 month term
9 month0.85%0.85%$500
6 month0.85%0.85%$2,500
1 year0.80%0.80%$1,000
6 month0.75%0.75%$500
1 year0.70%0.70%$1,000Gold CD - Requires a Gold Checking account. If the Gold Checking account is closed, the interest rate may be reduced to the non-gold rate.
6 month0.65%0.65%$1,000
6 month0.50%$10Online CD