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
5 month5.00%$500High Five CD-must have interest checking account-new money only-limit one per member-automatically renews to 6 month CD at maturity-Maximum deposit amount $2,000. See website for membership requirements.
1 year2.15%$50,000Rate for balances over $50,000, account available to local Georgia market area, must open account in person
1 year1.90%$500Rate for balances under $50,000, account available to local Georgia market area, must open account in person
1 year1.88%1.90%$1,000
1 year1.90%1.90%$1,000E-Cd, requires e-savings account.
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 year1.78%1.80%$10,000Rate for balances up to $90,000
6 month1.74%1.75%$1,000Relationship CD - must have checking account with Country Bank with $1,000 monthly average balance, and monthly direct deposit
1 year1.69%1.70%$1,000Relationship CD - Limited to Georgia cutomers only
1 year1.65%1.67%$3,000Fixed Rate CD
1 year1.66%$5,000
1 year1.64%1.65%$1,000Rates and terms specific to accounts opened online
1 year1.59%1.60%$2,500
1 year1.59%1.60%$5,000CD Special
1 year1.59%1.60%$1,000Branch and Call Center CD Rates
1 year1.59%1.60%$5,000Online CD
1 year1.59%$10,000
1 year1.58%1.59%$100,000Personal CD - APY for balances over 100K
1 year1.57%1.58%$1,000Rates effective on balances up to $4,999
1 year1.56%1.57%$10,000Personal CD - APY for balances under 100K
1 year1.57%$1,000
1 year1.57%1.57%$50,000
1 year1.56%1.57%$1High-Yield CD
6 month1.56%$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 year1.55%1.56%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.55%1.55%$1,000Unity Gold One Year E-CD - Available Online only
9 month1.55%$25,000
1 year1.54%1.55%$5,000Online CD
1 year1.54%1.55%$1,000
1 year1.54%1.55%$500Fixed Rate
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
1 year1.50%1.51%$1,000
9 month1.49%1.50%$10,000Rate for balances up to $90,000
6 month1.49%1.50%$500
1 year1.50%1.50%$1,000
6 month1.50%$50,000Rate for balances over $50,000, account available to local Georgia market area, must open account in person
1 year1.49%1.50%$100,000Jumbo CD 12 - 17 month term
1 year1.50%$500
1 year1.49%1.50%$1,000Internet CD
1 year1.49%1.50%$1,000
1 year1.49%1.50%$250
1 year1.49%1.50%$500Rates effective 03/15/2010
1 year1.48%1.49%$1,500Yield Pledge CD
1 year1.45%1.46%$2,500Giant Personal CD
1 year1.45%1.45%$1,000Local funds only, contact retail offices in Ohio
1 year1.45%$500
1 year1.42%1.45%$500Rate disclosed is from New York market area, rate may vary by region. Market area NY, NJ, CT.
9 month1.44%$1,000
1 year1.41%$1,000Internet CD - California only
6 month1.40%$10,000
1 year1.39%1.40%$1,000iCertificate of Deposit
6 month1.39%1.40%$1,000Rates and terms specific to accounts opened online
9 month1.39%1.40%$1,000Total e-CD Online Only Special Rate - account limited to local Florida market area
1 year1.39%1.40%$1,000Term 12 to 23 months
1 year1.39%1.40%$25,00012 - 17 month term
1 year1.40%1.40%$1,000
9 month1.39%1.40%$500CD Special
1 year1.35%1.36%$10,000eCD rates for online account only
6 month1.36%$5,000
1 year1.34%1.35%$500Standard 1 Yr CD (www.sterlingnj.com)
1 year1.34%1.35%$500
1 year1.34%1.35%$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
6 month1.34%1.35%$10,000Rate for balances up to $90,000
10 month1.35%$1,000Online CD Rate
6 month1.30%1.31%$3,000Fixed Rate CD
6 month1.30%1.31%$1,000Rates effective on balances up to $4,999
6 month1.30%$1,000
6 month1.29%1.30%$10,000Personal CD - APY for balances under 100K
7 month1.29%1.30%$500
9 month1.29%1.30%$1,000Branch and Call Center CD Rates
6 month1.29%1.30%$500Fixed Rate
1 year1.29%1.30%$5,000
6 month1.30%1.30%$10,000
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
6 month1.25%1.26%$1,000
7 month1.25%$1,000True Advantage 7 Month Special - requires True Advantage Checking or Checking Plus Account, limited to local New York market area
9 month1.24%1.25%$5,000Online CD
8 month1.24%1.25%$5,0008 month UnCD
10 month1.25%$2,500CD Special
6 month1.25%1.25%$500Rate disclosed is from New York market area, rate may vary by region. Market area NY, NJ, CT.
6 month1.24%1.25%$1,000
6 month1.24%1.25%$500New money only
6 month1.24%1.25%$1,000Branch and Call Center CD Rates
6 month1.24%1.25%$1,000
9 month1.24%1.25%$1,000
6 month1.25%$500Rate for balances under $50,000, account available to local Georgia market area, must open account in person
9 month1.25%1.25%$20,000CD Special - New money required, rates may vary by location
6 month1.25%$1,000182 day term, Internet CD
1 year1.24%1.25%$10,000
1 year1.24%1.25%$1,000
1 year1.24%1.25%$1Personal CD 12 - 23 Month - open online, $5,000 to open
1 year1.24%1.25%$500Limited time offer CD special. Accounts limited to Massachusetts service area
1 year1.25%$2,500Rate/APY may vary by location
3 month1.25%$50,000Rate for balances over $50,000, account available to local Georgia market area, must open account in person
1 year1.25%$500Promotion CD - only available to existing customers, limited to local western New York market area
1 year1.25%1.25%$1,000Accounts can be opened with an Allstate agent or by online application
9 month1.24%$500Online CD - Available to Georgia residents only
1 year1.20%1.21%$1,000Limited to local New York market area
1 year1.20%1.21%$10,000from CentennialBank.com
1 year1.20%$500Rate based on New York market area, rate may vary by location, market areas FL, NY, MA, NJ, VT
6 month1.19%1.20%$1,000
1 year1.20%1.20%$10,000Personal Internet CD - open online
6 month1.20%1.20%$1,000Local funds only, contact retail offices in Ohio
6 month1.18%1.19%$1High-Yield CD
6 month1.15%1.16%$50,000
1 year1.15%$500eCD - APY's may vary by state
6 month1.14%1.15%$5,000Online CD
6 month1.15%$10,000
1 year1.14%1.15%$10,000
9 month1.15%1.15%$1,000
9 month1.14%1.15%$500Rates effective 03/15/2010
6 month1.14%1.15%$500CD - 182 days (www.sterlingnj.com)
5 month1.14%1.15%$1,000New money only, must have CCTC checking, will roll into 6 month product unless otherwise directed, limited to local New York market area
7 month1.10%1.11%$5,000Special CD
6 month1.10%1.11%$2,500Giant Personal CD
6 month1.10%1.11%$500
1 year1.10%1.10%$10,000eSavings CD - Earn 1.10% APY for 12 months if you maintain $10,000 balance, $100 to open
6 month1.08%1.10%$500Limited to Jefferson County in New York
5 month1.10%$1,000Online CD Rate
1 year1.10%$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, rate disclosed is based on NY market area
1 year1.09%1.10%$2,500Regular CD - 12 Month Variable Rate - rates vary by geographic location
1 year1.10%$1Orange CD
1 year1.10%1.10%$1,000Located in TX, Fixed Rate-Money Market CD with limited check writing privileges.
1 year1.10%$25,000
6 month1.09%1.10%$1,500Yield Pledge CD
1 year1.09%1.10%$500
9 month1.09%1.10%$1,500Yield Pledge CD
1 year1.06%1.06%$1,000Must be opened online to get this rate.
6 month1.04%1.05%$1,000
1 year1.05%$15,000
6 month1.05%$500
6 month1.05%1.05%$1,000
1 year1.04%1.05%$500
1 year1.00%1.02%$1,000Regular CD - South Shore Massachusetts market area
6 month1.00%1.01%$2,500High Yield CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.01%$10Online CD
7 month1.00%1.01%$1,000Promotional CD-New money only
1 year1.00%1.00%$10,000
6 month1.00%1.00%$1,000iCertificate of Deposit
6 month1.00%1.00%$1,000
1 year0.99%1.00%$10,000Bank by Mail CD
6 month1.00%$500
6 month0.99%1.00%$1,000Term 6 to 11 months
6 month1.00%1.00%$250
3 month1.00%$500Rate for balances under $50,000, account available to local Georgia market area, must open account in person
6 month1.00%1.00%$100,000Jumbo CD 6 - 11 month term
9 month1.00%1.00%$100,000Jumbo CD 6 - 11 month term
9 month0.99%0.99%$1No Penalty CD - Open with $0, no fees, daily compounded interest, no fee early withdrawal after the first 6 days of funding your CD
9 month0.98%0.98%$1HIgh-Yield CD
1 year0.95%0.95%$2,500Rate for balances up to $99,999
6 month0.90%0.90%$500Rates effective 03/15/2010
1 year0.90%0.90%$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
1 year0.90%$500Regular CD - Limited to New York market area
1 year0.90%0.90%$500
6 month0.90%0.90%$25,0006 - 11 month term
6 month0.90%0.90%$2,500
6 month0.90%$1Orange CD
9 month0.85%0.85%$10,000
1 year0.85%0.85%$1,000New customers must open in branch-limited to Georgia
6 month0.85%$1,0006 - 8 month CD, limited to local New York market area
6 month0.85%0.85%$2,500
6 month0.80%$500eCD - APY's may vary by state
1 year0.80%0.80%$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.
9 month0.80%0.80%$10,000eCD rates for online account only
6 month0.80%0.80%$10,000Personal Internet CD - open online
6 month0.80%0.80%$10,000eCD rates for online account only
1 year0.80%0.80%$1,000Internet CD
6 month0.75%0.76%$5,000Regular CD - South Shore Massachusetts market area
6 month0.75%0.75%$1,000Located in TX, Fixed Rate-Money Market CD with limited check writing privileges.
9 month0.75%$250Basic CD - Rate may vary by location. Market area from Maine to Florida
6 month0.75%0.75%$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 month0.75%0.75%$1,000
6 month0.75%0.75%$10,000
9 month0.75%0.75%$500
1 year0.75%$500
6 month0.75%0.75%$2,500
1 year0.75%$500Rising Rate CD With Premier Checking
3 month0.74%0.75%$1,000
6 month0.66%0.66%$10,000
9 month0.65%$25,000
6 month0.65%0.65%$2,500Rate for balances up to $99,999
6 month0.60%0.60%$500
9 month0.60%$15,000
6 month0.60%0.60%$10,000
1 year0.60%0.60%$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.
3 month0.50%0.50%$1,000Located in TX, Fixed Rate-Money Market CD with limited check writing privileges.
9 month0.50%$10Online only
1 year0.50%$50,000
6 month0.50%0.50%$1,000
6 month0.40%$10Online only