{"id":226,"date":"2024-12-17T21:02:07","date_gmt":"2024-12-17T21:02:07","guid":{"rendered":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/?page_id=226"},"modified":"2025-02-12T21:31:21","modified_gmt":"2025-02-12T21:31:21","slug":"savings-accounts","status":"publish","type":"page","link":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/savings-accounts\/","title":{"rendered":"Savings Accounts"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"226\" class=\"elementor elementor-226\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-87c024e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"87c024e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8a28b11\" data-id=\"8a28b11\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bfe2136 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bfe2136\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8a52637\" data-id=\"8a52637\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8564c56 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8564c56\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Savings Accounts<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-70e6695 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70e6695\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d716df1\" data-id=\"d716df1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-70b1891 elementor-widget elementor-widget-text-editor\" data-id=\"70b1891\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1>6 Best Savings Accounts of January 2025: Up to 5%.<\/h1><h3><strong>The Best Savings Accounts Have These Features:<\/strong><\/h3><h4><strong>1. High Interest Rates (APY)<\/strong><\/h4><ul><li><strong>Competitive Annual Percentage Yield (APY)<\/strong>: Look for accounts offering rates well above the national average, especially from online banks and credit unions.<\/li><li><strong>Compound Interest<\/strong>: Daily or monthly compounding ensures your money grows faster.<\/li><\/ul><h4><strong>2. Low or No Fees<\/strong><\/h4><ul><li><strong>No Monthly Maintenance Fees<\/strong>: Avoid accounts that charge fees just for keeping your money there.<\/li><li><strong>No Minimum Balance Fees<\/strong>: Choose accounts that don&#8217;t penalize you for falling below a certain amount.<\/li><li><strong>Free Transactions<\/strong>: Ensure there are no hidden costs for deposits, withdrawals, or transfers.<\/li><\/ul><h4><strong>3. No or Low Minimum Balance Requirements<\/strong><\/h4><ul><li>Some savings accounts require a high initial deposit or balance to earn interest. The best accounts let you start saving with minimal or no upfront deposit.<\/li><\/ul><h4><strong>4. Easy Access to Funds<\/strong><\/h4><ul><li><strong>ATM Access<\/strong>: Look for accounts offering a wide network of fee-free ATMs.<\/li><li><strong>Linked Accounts<\/strong>: Easily transfer money to and from linked checking or external accounts.<\/li><li><strong>Mobile App and Online Banking<\/strong>: Ensure the bank has user-friendly apps or websites for managing your funds.<\/li><\/ul><h4><strong>5. Strong Security Features<\/strong><\/h4><ul><li><strong>FDIC\/NCUA Insurance<\/strong>: Your funds should be insured up to $250,000 per depositor, per bank.<\/li><li><strong>Fraud Protection<\/strong>: Look for accounts with multi-factor authentication and alerts for suspicious activity.<\/li><\/ul><h4><strong>6. User-Friendly Banking Tools<\/strong><\/h4><ul><li><strong>Mobile Deposits<\/strong>: The ability to deposit checks using a smartphone app.<\/li><li><strong>Savings Tools<\/strong>: Features like goal-setting, budgeting, and automatic transfers to help you save consistently.<\/li><li><strong>Spending Insights<\/strong>: Some accounts offer dashboards to analyze your financial habits.<\/li><\/ul><h4><strong>7. Flexibility in Withdrawals<\/strong><\/h4><ul><li><strong>Limited Restrictions<\/strong>: While federal regulations typically limit savings account withdrawals to six per month (Regulation D), the best banks don\u2019t penalize you excessively for going over the limit.<\/li><li><strong>Automatic Transfers<\/strong>: Some accounts allow you to set up automatic savings transfers to avoid missing contributions.<\/li><\/ul><h4><strong>8. Reputation and Reliability<\/strong><\/h4><ul><li><strong>Bank Reputation<\/strong>: Choose a bank or credit union with positive reviews for customer service and reliability.<\/li><li><strong>Stability<\/strong>: Opt for financial institutions with a strong track record of security and customer satisfaction.<\/li><\/ul><h4><strong>9. Promotions or Bonuses<\/strong><\/h4><ul><li><strong>Sign-Up Bonuses<\/strong>: Some savings accounts offer cash bonuses for opening an account and meeting certain criteria.<\/li><li><strong>Introductory Rates<\/strong>: Watch for promotional APYs that might boost earnings temporarily.<\/li><\/ul><h4><strong>10. No Account Closure Restrictions<\/strong><\/h4><ul><li><strong>Flexibility<\/strong>: Look for accounts that don\u2019t charge early closure fees if you decide to switch banks.<\/li><\/ul><h3><strong>Examples of Accounts That Often Meet These Criteria<\/strong><\/h3><ol><li><strong>High-Yield Savings Accounts<\/strong>\u00a0(e.g., Marcus by Goldman Sachs, Ally Bank, Discover Bank)<\/li><li><strong>Credit Union Accounts<\/strong>\u00a0(e.g., Alliant Credit Union, Navy Federal Credit Union)<\/li><li><strong>Online-Only Savings Accounts<\/strong>\u00a0(e.g., SoFi, Varo, Chime)<\/li><\/ol><h2><strong>Full list of the best savings accounts<\/strong><\/h2><p>Here are all of picks for the best savings accounts.<\/p><ul><li><strong>Barclays<\/strong>, 4.50% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/barclays-bank\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>Bask Bank<\/strong>, 4.65% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bask-bank\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>BMO Alto<\/strong>, 4.45% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bmo-alto\/\">Learn More<\/a>), funds insured by FDIC.<\/li><li><strong>Bread Savings\u2122<\/strong>, 4.65% savings APY with $100 minimum to open account, (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.*<\/li><li><strong>CIT Bank<\/strong>, 4.55% savings APY with $100 minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/savings-accounts\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>Citizens,<\/strong>90% savings APY with $0.01 minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/savings-accounts\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>E*TRADE, <\/strong>10% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>EverBank<\/strong> (formerly TIAA Bank), 4.75% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>Ivy Bank<\/strong>, 5.00% savings APY with $2,500 minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>Jenius Bank<\/strong>, 4.80% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), funds insured by FDIC.<\/li><li><strong>Laurel Road<\/strong>, 4.50% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), funds insured by FDIC.<\/li><li><strong>Marcus<\/strong>, 4.10% APY (annual percentage yield) as of 10\/10\/2024 with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>My Banking Direct<\/strong>, 4.75% savings APY with $500 minimum to open account. (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>Popular Direct<\/strong>, 4.60% savings APY with $100 minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>Salem Five Direct<\/strong>, 4.25% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>Sallie Mae Bank<\/strong>, 4.20% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>SoFi<\/strong>, 4.00% savings APY (<em>variable and subject to change)<\/em> with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>Synchrony Bank<\/strong>, 4.10% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/savings-accounts\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>TAB Bank,<\/strong>52% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>UFB Direct, <\/strong>31% savings APY with no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), Member FDIC.<\/li><li><strong>Upgrade, <\/strong>41% APY, no minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), funds insured by FDIC.<\/li><li><strong>Zynlo, <\/strong>00% APY with $10 minimum to open account (<a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\">Learn More<\/a>), funds insured by FDIC.<\/li><\/ul><h1>\u00a0<\/h1><h1>Best High-Yield Savings Accounts of January 2025: Up to 5%<\/h1><h3><strong>What is a High-Yield Savings Account?<\/strong><\/h3><p>A\u00a0<strong>high-yield savings account<\/strong>\u00a0is a type of savings account that offers significantly higher interest rates compared to traditional savings accounts. These accounts are typically offered by\u00a0<strong>online banks<\/strong>, credit unions, or financial institutions with lower overhead costs, allowing them to pass on better rates to customers.<\/p><p>High-yield savings accounts are ideal for individuals looking to grow their savings faster while maintaining easy access to their funds.<\/p><h3><strong>Key Features of High-Yield Savings Accounts<\/strong><\/h3><ol><li><strong>Higher Interest Rates<\/strong>: Often 10\u201320 times the national average rate for savings accounts.<\/li><li><strong>FDIC\/NCUA Insurance<\/strong>: Funds are insured up to $250,000, providing safety and security.<\/li><li><strong>Online Access<\/strong>: Many high-yield accounts are online-only, offering convenient access and lower fees.<\/li><li><strong>Liquidity<\/strong>: Easy access to your funds via online banking, linked accounts, or mobile apps.<\/li><li><strong>Low or No Fees<\/strong>: Most high-yield accounts don\u2019t charge monthly maintenance fees.<\/li><\/ol><h3><strong>High-Yield Savings Accounts Terminology<\/strong><\/h3><ol start=\"6\"><li><strong>Annual Percentage Yield (APY)<\/strong>:<ul><li>The total return on your savings over a year, including compounding.<\/li><li>A higher APY means more earnings on your account balance.<\/li><\/ul><\/li><li><strong>Compound Interest<\/strong>:<ul><li>Interest calculated on both the initial deposit and any previously earned interest.<\/li><li>High-yield accounts often compound daily or monthly.<\/li><\/ul><\/li><li><strong>Minimum Balance<\/strong>:<ul><li>The lowest amount you must maintain in your account to earn interest or avoid fees.<\/li><li>Many high-yield accounts have low or no minimum balance requirements.<\/li><\/ul><\/li><li><strong>Maintenance Fee<\/strong>:<ul><li>A monthly fee charged for maintaining the account. High-yield accounts typically have none or offer easy ways to waive them.<\/li><\/ul><\/li><li><strong>Linked Account<\/strong>:<ul><li>A checking or external bank account connected to your high-yield savings account for easy transfers.<\/li><\/ul><\/li><li><strong>Regulation D<\/strong>:<ul><li>A federal rule limiting savings account withdrawals to six per month. Many high-yield accounts follow this guideline but may waive penalties temporarily.<\/li><\/ul><\/li><li><strong>FDIC\/NCUA Insurance<\/strong>:<ul><li>Protects your deposits up to $250,000 per depositor, per bank (FDIC for banks, NCUA for credit unions).<\/li><\/ul><\/li><li><strong>Introductory APY<\/strong>:<ul><li>A promotional interest rate offered for a limited time to attract new customers. Be aware of what the APY reverts to after the promotional period.<\/li><\/ul><\/li><li><strong>Mobile Banking<\/strong>:<ul><li>The ability to manage your account, deposit checks, and transfer funds through a smartphone app.<\/li><\/ul><\/li><li><strong>Automatic Savings<\/strong>:<ul><li>A feature that allows you to schedule regular transfers from a checking account to your high-yield savings account.<\/li><\/ul><\/li><li><strong>Interest Tier<\/strong>:<ul><li>Some high-yield accounts offer different APYs based on your account balance. For example, a higher APY may apply for balances above $10,000.<\/li><\/ul><\/li><li><strong>Withdrawal Limitations<\/strong>:<ul><li>Federal guidelines typically limit certain types of withdrawals to six per month, but not all accounts enforce this strictly.<\/li><\/ul><\/li><li><strong>Online-Only Banks<\/strong>:<ul><li>Banks that operate entirely online and offer high-yield accounts due to lower overhead costs.<\/li><\/ul><\/li><li><strong>Sign-Up Bonus<\/strong>:<ul><li>A cash reward offered for opening a new high-yield account and meeting specific requirements, like maintaining a minimum balance or making deposits.<\/li><\/ul><\/li><li><strong>Earnings Calculator<\/strong>:<ul><li>A tool provided by banks to estimate how much interest you\u2019ll earn over time based on your deposits and APY.<\/li><\/ul><\/li><\/ol><h3><strong>Benefits of High-Yield Savings Accounts<\/strong><\/h3><ul><li>Faster savings growth compared to traditional accounts.<\/li><li>Easy setup and management, often through online platforms.<\/li><li>Safe storage of funds with FDIC\/NCUA insurance.<\/li><li>Flexible access for emergencies or planned expenses.<\/li><\/ul><h2>\u00a0<\/h2><h2>Best high-yield savings accounts: full list<\/h2><table style=\"font-size: 16px; font-style: normal;\" width=\"0\"><thead><tr><td><p><strong>Financial Institution<\/strong><\/p><\/td><td><p><strong>NerdWallet Overall Institution Rating<\/strong><\/p><\/td><td><p><strong>APY<\/strong><\/p><\/td><td><p><strong>Minimum balance to open<\/strong><\/p><\/td><\/tr><\/thead><tbody><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/newtek-bank\/\"><strong>Newtek Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.6.<\/p><\/td><td><p>5.25%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/santander-bank\/\"><strong>Santander Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.0.<\/p><\/td><td><p>5.00%.<\/p><p><strong>Santander Bank disclosures<\/strong><\/p><\/td><td><p>$500 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/everbank\/\"><strong>EverBank<\/strong><\/a> (formerly TIAA Bank), Member FDIC.<\/p><\/td><td><p>4.4.<\/p><\/td><td><p>4.75%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/my-banking-direct\/\"><strong>My Banking Direct<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.5.<\/p><\/td><td><p>4.75%.<\/p><\/td><td><p>$500 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/forbright-bank\/\"><strong>Forbright Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.4.<\/p><\/td><td><p>4.60%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/poppy-bank\/\"><strong>Poppy Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.3.<\/p><\/td><td><p>5.00%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/western-alliance-bank\/\"><strong>Western Alliance<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.3.<\/p><\/td><td><p>4.46%.<\/p><\/td><td><p>$500 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/jenius-bank\/\"><strong>Jenius Bank<\/strong><\/a>, funds insured by FDIC.<\/p><\/td><td><p>4.9.<\/p><\/td><td><p>4.80%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/tab-bank\/\"><strong>TAB Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.5.<\/p><\/td><td><p>4.52%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bread-savings\/\"><strong>Bread Savings\u2122<\/strong><\/a>, funds insured by FDIC.<\/p><\/td><td><p>4.8.<\/p><\/td><td><p>4.65%.<\/p><p><strong>Bread Savings disclosure<\/strong><\/p><\/td><td><p>$100 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/popular-direct-bank\/\"><strong>Popular Direct<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.2.<\/p><\/td><td><p>4.60%.<\/p><\/td><td><p>$100 minimum to open.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/first-foundation-bank\/\"><strong>First Foundation Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>3.8.<\/p><\/td><td><p>4.75%.<\/p><\/td><td><p>$1,000 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bask-bank\/\"><strong>Bask Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.5.<\/p><\/td><td><p>4.65%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/ufb-direct\/\"><strong>UFB Direct<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.9.<\/p><\/td><td><p>4.31%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/lendingclub-banking\/\"><strong>LendingClub<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.5.<\/p><\/td><td><p>3.75% (4.75% if certain requirements are met).<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/cit-bank\/\"><strong>CIT Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.4.<\/p><\/td><td><p>4.55%.<\/p><\/td><td><p>$100 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/upgrade\/\"><strong>Upgrade<\/strong><\/a>, funds insured by FDIC.<\/p><\/td><td><p>4.6.<\/p><\/td><td><p>4.41%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/cibc-u-s-bank\/\"><strong>CIBC U.S.<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>3.6.<\/p><\/td><td><p>4.51%.<\/p><\/td><td><p>$1,000 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/bmo-alto\/\"><strong>BMO Alto<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.5.<\/p><\/td><td><p>4.45%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/connectone-bank\/\"><strong>ConnectOne Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>3.9.<\/p><\/td><td><p>4.00%.<\/p><\/td><td><p>$2,500 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/barclays-bank\/\"><strong>Barclays<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.0.<\/p><\/td><td><p>4.50%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/citizens\/\"><strong>Citizens<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.3.<\/p><\/td><td><p>3.90%.<\/p><\/td><td><p>$0.01 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/quontic-bank\/\"><strong>Quontic Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.4.<\/p><\/td><td><p>4.00%.<\/p><\/td><td><p>$100 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/salem-five-direct\/\"><strong>Salem Five Direct<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.5.<\/p><\/td><td><p>4.25%.<\/p><\/td><td><p>$10 minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/sallie-mae-bank\/\"><strong>Sallie Mae Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.0.<\/p><\/td><td><p>4.20%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/sofi\/\"><strong>SoFi<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.9.<\/p><\/td><td><p>4.00% (variable and subject to change).<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/synchrony-bank\/\"><strong>Synchrony Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.9.<\/p><\/td><td><p>4.10%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/live-oak-bank\/\"><strong>Live Oak Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>3.9.<\/p><\/td><td><p>4.30%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/citibank\/\"><strong>Citibank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.3.<\/p><\/td><td><p>4.00%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/american-express\/\"><strong>American Express<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.6.<\/p><\/td><td><p>3.90% APY (annual percentage yield) as of 11\/27\/2024.<\/p><\/td><td><p>Minimum to open = $0.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/marcus-by-goldman-sachs\/\"><strong>Marcus by Goldman Sachs<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.8.<\/p><\/td><td><p>4.10% APY (annual percentage yield) as of 10\/10\/2024.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/capital-one-360\/\"><strong>Capital One 360<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.6.<\/p><\/td><td><p>3.90%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/discover-bank\/\"><strong>Discover\u00ae Bank<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>5.0.<\/p><\/td><td><p>3.90%.<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><tr><td><p><a href=\"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/varo-bank\/\"><strong>Varo<\/strong><\/a>, Member FDIC.<\/p><\/td><td><p>4.8.<\/p><\/td><td><p>3.00% (5.00% if certain requirements are met.)<\/p><\/td><td><p>No minimum to open account.<\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Savings Accounts 6 Best Savings Accounts of January 2025: Up to 5%. The Best Savings Accounts Have These Features: 1. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-226","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/pages\/226","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/comments?post=226"}],"version-history":[{"count":76,"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/pages\/226\/revisions"}],"predecessor-version":[{"id":2899,"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/pages\/226\/revisions\/2899"}],"wp:attachment":[{"href":"https:\/\/test5.samplewebsitelink.com\/onboardmoney\/wp-json\/wp\/v2\/media?parent=226"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}