Savings accounts and CDs compared
Compare savings accounts, CDs and money markets by APY, fees, minimums and terms.
These comparisons use active FairPrice Guru records and published provider disclosures. Pricing and terms can change, so use the source and verification date on each detail page before making a decision.
Popular guides
- Best options for 1 year cd
- Best options for no minimum
- Best options for branch access
- Best options for highest apy
- Best options for no fees
- Best options for emergency fund
Active comparisons
- Marcus 12-Month High-Yield CD — Marcus by Goldman Sachs · 4.30% APY · Best 12-month rate from a large trusted issuer. Watch the penalty.
- Capital One 360 12-Month CD — Capital One · 4% APY · Zero minimum plus real branches. Rate is not the highest but it is accessible.
- Sallie Mae 12-Month CD — Sallie Mae Bank · 4.10% APY · Highest 12-month CD rate if you can meet the $2500 floor.
- Bask Interest Savings — Bask Bank · 4.65% APY · Consistently near the top of the APY leaderboard with no minimums.
- Cornerstone Money Market — Vio Bank · 4.75% APY · Top money-market rate. Behaves like a HYSA in practice.
- Ally 12-Month High Yield CD — Ally Bank · 3.50% APY · Best 12-month CD if you want no minimum and a rate guarantee.
- Discover 12-Month CD — Discover Bank · 4% APY · Fine for a laddering strategy but the $2500 minimum stings.
- CIT Platinum Savings — CIT Bank · 4.55% APY · Top APY if you keep at least $5k parked. Below that, look elsewhere.
- SoFi Checking & Savings — SoFi · 4.50% APY · If your paycheck goes here, the APY is very competitive and checking comes bundled.
- Marcus Online Savings — Marcus by Goldman Sachs · 3.40% APY · The default HYSA recommendation for most people. No minimums, no fees, straightforward.
- 360 Performance Savings — Capital One · 3% APY · Reasonable APY with actual branch access. A good compromise if you want a real bank.
- Synchrony 12-Month CD — Synchrony Bank · 4.15% APY · One of the highest 12-month CD rates with no minimum. Solid pick.
- BMO Alto 12-Month CD — BMO Alto · 4.50% APY · Currently one of the top 12-month CD rates in the market with no minimum.
- PenFed 12-Month Money Market Certificate — PenFed Credit Union · 2.90% APY · If you prefer credit unions, PenFed is the easy pick. Membership is open to anyone.
- Ally Online Savings — Ally Bank · 3% APY · Best all-in-one online bank. Savings buckets are genuinely useful for goal-based saving.
- Discover Online Savings — Discover Bank · 3% APY · The zero-fees pledge is genuine and their support is well-regarded.