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The Betterment Cash Reserve Account is offering new customers a boosted APY. Get a boosted APY of 5.50% on a Betterment Cash Reserve accountThe Betterment Cash Reserve Accountcurrently offers existing customers an APY of 5.00% (5.50% APY for new customers' first three months). Read more about this account and its features, like no transaction limits, in our Betterment Cash Reserve review. Other 5% savings accountsThanks to this boosted APY offer, Betterment currently tops our list of savings accounts offering 5% APY or more. Other nationally available savings accounts to consider include:Western Alliance Bank High-Yield Savings Premier: earn an APY of 5.31% when you deposit a minimum of $500BrioDirect High-Yield Savings Account: earn an APY of 5.30% when you deposit a minimum of $5,000Bread Savings High-Yield Savings Account: earn an APY of 5.15% when you deposit a minimum of $100

Persons: —, you'll Organizations: Service, Western Alliance Bank, Yield, Savings

☆ Best High-Yield Savings Accounts for October 2023
▼ + stars: | 2023-09-28 | by ( Martha C. White | ) www.wsj.com time to read: +18 min

With the Federal Reserve steadily raising interest rates to fight inflation, high-yield savings account payouts have steadily risen, too. After years of near-zero returns, the average savings account rate has risen to 0.45%, according to the Federal Deposit Insurance Corp. Their new High-Yield Savings account offers a 3.5% APY, but you need a hefty $5,000 deposit to open the account. Unlike some high-yield online savings accounts, you earn a high APY—currently 5%—on every dollar in your account. You can conduct immediate electronic transfers between your brokerage account and savings account, and manage both savings and investment activities on a single platform.

Persons: Martha C, it’s, JPMorgan Chase, Wells, Wells Fargo, Ally, Synchrony, UFB, —, Achilles, We’ve, Foster, Alliant, Morgan Stanley, Marcus, Goldman Sachs, Charles Schwab, Charles Schwab Bank Charles Schwab Organizations: Federal Reserve, Federal Deposit Insurance Corp, Capital, National, One’s, JPMorgan, JPMorgan Chase JPMorgan Chase &, Chase Savings, Ally, Synchrony, CIT, First Citizens, Bank, Axos Bank, Webster Bank, National Bank, Zelle, Alliance Data Systems, Comenity Capital Bank, FDIC, Foster Care, Navy, Navy Federal, Savings, Morgan Stanley Private, Morgan Stanley Private Bank, Bloomberg, Trade, Charles, Charles Schwab Bank, Best Bank, National Credit Union Administration, dateline Locations: Chase, Zelle, Ally’s, Utah, Chicago, U.S, .

Various nationwide banks and credit unions have CDs offering above 5% APY. CD rates on terms of 18 months or less are currently higher than longer-term CD rates. Certificates of deposit with at least 5% interestThe following list features financial institutions with CDs paying at least 5% APY. This list specifically includes 3-month, 6-month, 12-month, and 18-month terms because short-term CD rates are currently higher than long-term CD rates. CDs are a type of bank account, so up to $250,000 is secure per depositor at an FDIC- or NCUA-insured financial institution.

Organizations: Forbright Bank, TotalDirectBank, Bank5, Bread Savings

☆ Best High-Yield Savings Accounts of September 2023
▼ + stars: | 2023-08-31 | by ( Martha C. White | ) www.wsj.com time to read: +18 min

With the Federal Reserve steadily raising interest rates to fight inflation, high-yield savings account payouts have steadily risen, too. After years of near-zero returns, the average savings account rate has risen to 0.43%, according to the Federal Deposit Insurance Corp. Unlike some high-yield online savings accounts, you earn a high APY—currently 5%—on every dollar in your account. You can conduct immediate electronic transfers between your brokerage account and savings account, and manage both savings and investment activities on a single platform. How we pickedTo pick Buy Side from WSJ’s Best Savings Accounts, we looked for accounts that offered the best APY on deposited funds without restrictions.

Persons: Martha C, it’s, JPMorgan Chase, Wells, Wells Fargo, Ally, Synchrony, Foster, Alliant, —, Ivy, Achilles, We’ve, Morgan Stanley, Marcus, Goldman Sachs, Charles Schwab, Charles Schwab Bank Charles Schwab Organizations: Federal Reserve, Federal Deposit Insurance Corp, Capital, National, One’s, JPMorgan, JPMorgan Chase JPMorgan Chase &, Chase Savings, Ally, Synchrony, CIT, First Citizens, Bank, Foster Care, Navy, Navy Federal, Bask Bank, Texas Capital Bank, Savings, LendingClub, Alliance Data Systems, Comenity Capital Bank, FDIC, Morgan Stanley Private, Morgan Stanley Private Bank, Bloomberg, Trade, Charles, Charles Schwab Bank, Best Bank, National Credit Union Administration, dateline Locations: Chase, Zelle, Ally’s, Chicago, U.S, Utah, .

Accounts pay high interest rates Check mark icon A check mark. Open accounts you might not be able access outside of Raisin Check mark icon A check mark. High interest rate Check mark icon A check mark. Accounts pay high interest rates Check mark icon A check mark. High interest rate Check mark icon A check mark.

Persons: Jennifer, Read Organizations: Credit Union, of Oklahoma, GreenState Credit, Credit, Mint, FDIC, Chevron, Crescent, Crescent Bank, Reading Chevron, Savings, Western Alliance, Bank, CIT Bank, UFB, Business, Black Enterprise Magazine, CNBC, Forbes, Twitter Locations: of, Louisiana

Pros Check mark icon A check mark. High interest rate Check mark icon A check mark. Pros Check mark icon A check mark. Virtual debit card, physical debit card, and access to Apple Pay, Google Pay, Samsung Pay Check mark icon A check mark. Mobile check deposit Check mark icon A check mark.

Pros Check mark icon A check mark. Pros Check mark icon A check mark. Access to a debit card Check mark icon A check mark. Mobile check deposit Check mark icon A check mark. Automatically move extra money into investments with Autopilot Check mark icon A check mark.

From November 30 to December 1, 2022, you can open a 12-month Crescent Bank Online CD and earn 4.90% APY. More about the Crescent Bank CDYou might like a Crescent Bank CD if you're searching for a competitive interest rate on online CD terms from one to six years. How Crescent Bank worksCrescent Bank is a financial institution with branches in New Orleans, Metairie, and Mandeville, Louisiana. $1,500 Learn more On Crescent Bank's website Learn more On CFG Bank's website Learn more On Bread Savings's websiteCFG Bank CDs vs. Crescent Bank CDsWith its promotional rate, you'll earn a higher interest rate on a 12-month Crescent Bank CD than a CFG Bank 12-month CD. Bread Savings CDs vs. Crescent Bank CDsWhile Bread Savings High-Yield CD pays 4.50% APY on a 12-month CD, you'll earn 4.90% APY with a 12-month Crescent Bank if you get a CD during the promotional rate offer.

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Earn competitive APY when you link to another eligible TD Bank account Check mark icon A check mark. Earn higher APY with higher balance Check mark icon A check mark. Mobile check deposit Check mark icon A check mark. Mobile check deposit Check mark icon A check mark. Competitive APY Check mark icon A check mark.

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Pros Check mark icon A check mark. Pros Check mark icon A check mark. More Information Keep up to $1 million in an accountInterest compounded daily, paid monthlyFDIC insuredThe Bread Savings High-Yield Savings Account is another solid high-yield savings account. No monthly service fee Check mark icon A check mark. Easy to save for various goals Check mark icon A check mark.

$500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $0 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,000 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Pros Check mark icon A check mark. No monthly service fees Check mark icon A check mark. Pros Check mark icon A check mark. More Information Keep up to $1 million in an accountInterest compounded daily, paid monthlyFDIC insuredThe Bread Savings High-Yield Savings Account is another solid high-yield savings account. Pros Check mark icon A check mark.

The average rate for a 3-month CD is 0.19% APY, and 0.83% APY for a 5-year CD, according to the FDIC. $500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. 1.50% to 4.50% APY Terms Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,000 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highest savings account rates: October 17, 2022 UFB Elite SavingsBask Bank Interest Savings AccountCIT Bank Savings Connect AccountBread Savings High-Yield Savings AccountLendingClub High-Yield Savings AccountBrioDirect High-Yield Savings AccountCredit Karma Money Save AccountPersonal Capital Cash AccountTAB High-Yield Savings Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark. More Information Keep up to $1 million in an accountInterest compounded daily, paid monthlyFDIC insuredThe Bread Savings High-Yield Savings Account is another solid high-yield savings account. Pros Check mark icon A check mark. High APY Check mark icon A check mark.

Average CD rates vs. highest CD ratesThe FDIC keeps tabs on national rates for bank accounts that pay interest, like savings accounts and CDs. You can use the table below to see how the most competitive CD rates compare to average CD rates. $500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,000 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highest savings account rates: October 10, 2022 UFB Elite SavingsBread Savings High-Yield Savings AccountLendingClub High-Yield Savings AccountBrioDirect High-Yield Savings AccountBask Bank Interest Savings AccountCredit Karma Money Save AccountCIT Bank Savings Connect AccountPersonal Capital Cash AccountTAB High-Yield Savings Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Pros Check mark icon A check mark. High interest rate Check mark icon A check mark. Pros Check mark icon A check mark. More Information Keep up to $1 million in an accountInterest compounded daily, paid monthlyFDIC insuredThe Bread Savings High-Yield Savings Account is another solid high-yield savings account.

Average CD rates vs. highest CD ratesThe FDIC keeps tabs on national rates for bank accounts that pay interest, like savings accounts and CDs. You can use the table below to see how the most competitive CD rates compare to average CD rates. $1,500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,000 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $0 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Average CD rates vs. highest CD ratesThe FDIC keeps tabs on national rates for interest-earning bank accounts. You can use the table below to see how the most competitive CD rates compare to average CD rates. $1,500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $5,000 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highest savings account rates: September 19, 2022 UFB Rewards SavingsBrioDirect High-Yield Savings AccountBask Bank Interest Savings AccountLendingClub High-Yield Savings AccountBread Savings High-Yield Savings AccountCIBC Agility AccountQuontic High Yield Savings AccountCitizens Online Access Savings AccountCIT Bank Savings Connect AccountSynchrony High-Yield Savings AccountTAB High-Yield Savings Account Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. UFB Rewards Savings could be worthwhile if you'd like easy access to your account — the savings account comes with an ATM card. The LendingClub High-Yield Savings Account and Quontic High Yield Savings Account both require a minimum of $100 for an initial deposit. The Citizens Online Access Savings Account is another great high-yield savings account. The CIBC Agility Account is a good high-yield savings account overall, as long as you have at least $1,000 to open the account.

Average CD rates vs. highest CD ratesThe FDIC keeps tabs on national rates for interest-earning bank accounts. You can use the table below to see how the most competitive CD rates compare to average CD rates. $10,000 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $1,500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. $500 CD APY Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

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