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
1 year2.08%2.10%$1,000
1 year2.00%$25,000
1 year1.99%2.00%$250
1 year1.98%2.00%$5,000Online CD
1 year1.97%$1,000Internet CD - California only
1 year1.96%$5,000
1 year1.90%1.92%$3,000
1 year1.89%1.91%$500
1 year1.88%1.90%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
1 year1.88%1.90%$1High-Yield CD
1 year1.88%1.90%$2,500
1 year1.89%1.90%$1,000Relationship CD - Limited to Georgia cutomers only
1 year1.84%1.86%$2,500Giant Personal CD
6 month1.84%1.85%$1,000Relationship CD - must have checking account with Country Bank with $1,000 monthly average balance, and monthly direct deposit
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 year1.82%$1,000
1 year1.80%$500
1 year1.79%1.80%$10,000Online account
1 year1.80%$10,000
1 year1.75%1.77%$10,000eCD rates for online account only
1 year1.75%1.77%$1,000
6 month1.76%$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 year1.75%1.76%$2,000iCD
1 year1.75%1.76%$10,000from CentennialBank.com
1 year1.75%1.75%$10,000eSavings CD - Earn 1.75% APY for 12 months if you maintain $10,000 balance, $100 to open
1 year1.74%1.75%$10,000
6 month1.75%$1Deposits up to $25,000, additions allowed at any time - New local clients only - Main Office located in St Charles, IL
1 year1.75%$15,000
1 year1.74%1.75%$500Rate effective 11/23/2009
1 year1.75%$1
1 year1.72%1.74%$10,000APY for balances under 100K
1 year1.69%1.70%$1Personal CD 12 - 23 Month - open online, $5,000 to open
1 year1.69%1.70%$1,000Branch and Call Center CD Rates
9 month1.70%$25,000
1 year1.70%1.70%$1,000Unity Gold One Year E-CD - Available Online only
1 year1.65%1.66%$1,000
1 year1.65%$500
1 year1.64%1.65%$1,500Yield Pledge CD
9 month1.65%$25,000
1 year1.64%1.65%$50,000
1 year1.64%1.65%$5,000Online CD
1 year1.64%1.65%$1,000Term 12 to 23 months
9 month1.59%1.60%$500CD Special
6 month1.60%$10,000
1 year1.59%1.60%$2,500
6 month1.59%1.60%$10,000
6 month1.59%1.60%$500
10 month1.55%$1,000Online CD Rate
10 month1.55%1.55%$1,000New money only
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
10 month1.55%$2,500CD Special
9 month1.55%$15,000
9 month1.55%1.55%$20,000CD Special - New money required, rates may vary by location
6 month1.54%1.55%$500
1 year1.54%1.55%$1,000
9 month1.54%1.55%$500Serving Central New York area
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 month1.50%1.51%$2,500Giant Personal CD
6 month1.50%1.51%$10,000eCD rates for online account only
6 month1.50%1.51%$1,000
6 month1.51%$5,000
7 month1.49%1.50%$500
6 month1.49%1.50%$5006 Month Special - checking and direct deposit required, limited to local New York market area
9 month1.50%1.50%$1,000
6 month1.49%1.50%$10,000Online account
6 month1.48%1.50%$3,000
1 year1.50%$500Promotion CD - only available to existing customers, limited to local western New York market area
1 year1.49%1.50%$100,000Jumbo CD 12 - 17 month term
1 year1.50%$10,000Must be opened online with new money to get this rate.
1 year1.49%1.50%$1,000
1 year1.50%1.50%$1,000Local funds only, contact retail offices in Ohio
1 year1.50%$500
1 year1.50%$10Online 12-month CD, debit card, pay electronically
1 year1.49%1.50%$5,000
1 year1.50%$1,000Internet CD
6 month1.49%$1,000
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 month1.44%1.45%$2,500High Yeild CD - FDIC insured with no market risk. Open an account online or by phone!
6 month1.44%1.45%$1,000Branch and Call Center CD Rates
6 month1.44%1.45%$1High-Yield CD
9 month1.44%1.45%$1,000Branch and Call Center CD Rates
9 month1.44%1.45%$1High-Yield CD
9 month1.44%1.45%$10,000
1 year1.40%1.41%$2,500
6 month1.40%1.41%$1,000
6 month1.39%1.40%$10,000APY for balances under 100K
1 year1.39%1.40%$1,000
5 month1.40%$1,000Online CD Rate
1 year1.39%1.40%$10,000
1 year1.40%$500
1 year1.39%1.40%$25,00012 - 17 month term
6 month1.39%1.40%$10,000
9 month1.39%1.40%$500Rate effective 11/23/2009
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
6 month1.34%1.35%$1,500Yield Pledge CD
9 month1.34%1.35%$1,500Yield Pledge CD
7 month1.35%$1,000True Advantage 7 Month Special - requires True Advantage Checking or Checking Plus Account, limited to local New York market area
6 month1.30%1.31%$1,000
7 month1.30%1.31%$5,000Special CD
1 year1.29%1.30%$2,500Regular CD - 12 Month Variable Rate - rates vary by geographic location
1 year1.29%1.30%$10,000Personal Internet CD - open online
6 month1.29%1.30%$500
1 year1.30%$2,500Rate/APY may vary by 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
7 month1.25%1.26%$10,000CD Special
1 year1.25%1.26%$1,000Must be opened online to get this rate.
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
9 month1.25%1.26%$10,000eCD rates for online account only
6 month1.25%$10,000Must be opened online with new money to get this rate.
9 month1.24%1.25%$5,000Online CD
1 year1.25%$500Rate may vary by location, market areas FL, NY, MA, NJ, VT
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
6 month1.25%$1,000Internet CD
1 year1.25%$50,000
6 month1.24%1.25%$1,000
6 month1.25%$10,000
6 month1.25%1.25%$1,000Local funds only, contact retail offices in Ohio
6 month1.25%$1
6 month1.20%$500
6 month1.19%1.20%$1,000Term 6 to 11 months
6 month1.19%1.20%$1,000
1 year1.19%1.20%$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 month1.20%$500
6 month1.20%$1,0006 - 8 month CD, limited to local New York market area
1 year1.15%1.16%$1,000Limited to local New York market area
6 month1.15%1.16%$50,000
1 year1.14%1.15%$500
1 year1.15%$500With Premier Checking
6 month1.14%1.15%$5,000Online CD
6 month1.08%1.10%$500Limited to Jefferson County in New York
1 year1.05%1.05%$1,000Internet CD
9 month1.05%$250Basic CD - Rate may vary by location. Market area from Maine to Florida
3 month1.05%1.05%$1,000Local funds only, contact retail offices in Ohio
6 month1.05%1.05%$500Rate effective 11/23/2009
6 month1.04%1.05%$2,500
6 month1.05%1.05%$500APY's stated may vary between states due to market condition
1 year1.04%1.05%$500
6 month1.00%1.02%$5,000Regular CD - South Shore Massachusetts market area
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%$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 month0.99%1.00%$250
1 year1.00%1.00%$1,000
6 month1.00%1.00%$2,500
9 month1.00%1.00%$100,000Jumbo CD 6 - 11 month term
6 month1.00%1.00%$1,000
1 year1.00%1.00%$500Regular CD - Limited to New York market area
1 year0.99%1.00%$25,000
1 year1.00%1.00%$10,000Bank by Mail CD
6 month1.00%1.00%$100,000Jumbo CD 6 - 11 month term
6 month1.00%1.00%$10,000
6 month0.95%0.95%$10,000Personal Internet CD - open online
6 month0.90%0.90%$25,0006 - 11 month term
9 month0.90%$10Online CD
6 month0.85%0.85%$2,500
9 month0.85%0.85%$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