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Best savings interest rates today


best savings interest rates today

National Rates and Rate Caps current Monthly Rate Cap Information. Savings and interest checking account rates are based on the $2, product tier. Find high interest rate savings accounts that suit your saving needs when you compare accounts at GoCompare. Pair your savings and checking accounts. Move money from your checking account into savings with ease by linking them. Many customers set up automatic.

: Best savings interest rates today

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The top rate you can currently earn from a nationally available savings account is % annual percentage yield (APY), offered by Sallie Mae's SmartyPig. That's more than 11 times the national average for savings accounts, as reported by Bankrate, which varies from week to week in the % to % range (% APY for the week of November 15, ), and it's just one of the top rates you can find in our rankings below. Culled from our weekly rate research on more than banks and credit unions that offer nationwide savings accounts, even the 10th-best rate on the list pays almost % APY.

Best High-Yield Savings Account Rates

  • SmartyPig by Sallie Mae - % APY
  • Affirm - % APY
  • Bo - % APY
  • ConnectOne Bank - % APY
  • Axos Bank - % APY
  • Ivy Bank - % APY
  • Prime Alliance Bank - % APY
  • Monifi - % APY
  • LendingClub - % APY
  • CFG Bank - % APY
  • Comenity Direct - % APY
  • BrioDirect - % APY
  • Alliant Credit Union - % APY
  • Fitness Bank - % APY
  • USAlliance Financial Credit Union - % APY
  • Quontic Bank - % APY

Note that some banks opt to call their savings accounts "money market" accounts. Traditionally, money market accounts offer the ability to write checks, while savings accounts do not. The accounts you'll find in our ranking here all operate like savings accounts, with no check-writing privileges, even if the name might suggest otherwise.

Below you'll find the top savings account rates available from our partners, followed by our complete ranking of the best savings account rates nationwide.

The top savings account rates in the country are listed below in order of APY. Where more than one institution has the same rate, we've ranked accounts by those requiring the smallest minimum ongoing best savings interest rates today.

Sallie Mae, SmartyPig High Yield Savings Account - % APY

  • Minimum initial deposit: $0
  • Minimum ongoing balance: $
  • Monthly fee: None
  • ATM card: No
  • Mobile check deposit: No
  • Checking accounts available: No
  • CDs available: No
  • Note: The advertised APY applies to the first $10, of your account balance, followed by a lower interest rate tier on amounts beyond that.

Affirm, Savings Account - % APY

  • Minimum initial deposit: Any amount
  • Minimum ongoing balance: Any amount
  • Monthly fee: None
  • ATM card: No
  • Mobile check deposit: No
  • Checking accounts available: No
  • CDs available: No
  • Note: Only available and accessible via the Affirm mobile app

Bo (Bank Onward), Bo Savings - % APY

  • Minimum initial deposit: $
  • Minimum ongoing balance: Any amount
  • Monthly fee: None
  • ATM card: No
  • Mobile check deposit: Yes
  • Checking accounts available: No
  • CDs available: No

ConnectOne Bank, Online Savings Account - % APY

  • Minimum initial deposit: $2,
  • Minimum ongoing balance: $2, to earn stated APY
  • Monthly fee: None
  • ATM card: No
  • Mobile check deposit: Yes
  • Checking accounts available: Only local where they have branches
  • CDs available: Yes

Axos Bank, High Yield Savings - % APY

  • Minimum initial deposit: $
  • Minimum ongoing balance: $0
  • Monthly fee: None
  • ATM card: Yes (upon request only)
  • Mobile check deposit: Yes
  • Checking accounts available: Yes
  • CDs available: Yes

Monifi (app-based) - % APY

  • Minimum initial deposit: Any amount
  • Minimum ongoing balance: $0
  • Monthly fee: None
  • ATM card: Yes
  • Mobile check deposit: Yes
  • Checking accounts available: Yes
  • CDs available: No

LendingClub, High-Yield Savings - % APY

  • Minimum initial deposit: $
  • Minimum ongoing balance: $2, to earn stated APY
  • Monthly fee: None
  • ATM card: Yes
  • Mobile check deposit: Yes
  • Checking accounts available: Yes
  • CDs available: Yes

CFG Bank, High Yield Money Market Account – % APY

  • Minimum initial deposit: $1,
  • Minimum ongoing balance: $25, to earn stated APY (or earn a slightly lower rate with a $1, minimum balance)
  • Monthly fee: None with $1, ongoing balance; otherwise, $10/month
  • ATM card: No
  • Mobile check deposit: Yes
  • Checking accounts available: No
  • CDs available: Yes
  • Note: Although this account has "money market" in its name, it offers no check-writing privileges and instead operates like a savings account.

BrioDirect, High-Yield Money Market Account - % APY

  • Minimum initial deposit: $0
  • Minimum ongoing balance: $25, to earn stated APY
  • Monthly fee: None
  • ATM card: No
  • Mobile check deposit: No
  • Checking accounts available: No
  • CDs available: Yes
  • Note: Although this account has "money market" in its name, it offers no check-writing privileges and instead operates like a savings account.

Fitness Bank, Savings Account – % APY

  • Minimum initial deposit: $
  • Minimum ongoing balance: $
  • Monthly fee: None with a $ ongoing balance; otherwise, $10/month
  • ATM card: No
  • Mobile check deposit: No
  • Checking accounts available: No
  • CDs available: No
  • Note: In order to earn its highest rate, Fitness Bank requires an average daily step count of 12, which is tracked through its app. However, additional APY tiers are offered for lower step counts.

What Is a High-Yield Savings Account?

As the name implies, high-yield savings accounts pay much higher interest rates than traditional ones. Typically offered online, whether by an internet-only bank or a brick-and-mortar institution, they're based on the idea that it's smart to hold your savings wherever it can earn a competitively high yield, even if that's a different bank than where you hold your checking account.

The difference in interest rates can be dramatic, with the top savings accounts in the country typically paying 15 to 20 times the national average rate. You can still keep your checking account where it is because it's simple to link a high-yield savings account to your primary account for easy transfers.

Is My Money Safe in an Online Savings Account?

The vast majority of banks, whether physical or online, carry FDIC insurance, which protects banking customers by insuring up to $, of their deposits at any one institution if the bank fails. The U.S. government similarly backs credit union customers up to $, by providing NCUA insurance to the vast majority of credit institutions.

So whether your institution has branches or is an internet-only bank, your deposits are equally safe and protected. Just be sure to check for the FDIC or NCUA logo before you begin doing business with any new financial institution. 

What B of a online banking phone number the Difference Between a High-Interest Savings Account and a Money Market Account?

Savings accounts and money market accounts are close cousins. Both allow you to move money in and out at your convenience, with their main function being to provide an option for you to sock away savings while earning interest on your balance. In addition, the federal regulation that limits savings account withdrawals to six per month is applied to both types of accounts.

Traditionally, what differs between savings and money market accounts is that money market accounts include the option to write checks on the account. In contrast, savings accounts typically only allow fund withdrawals via electronic transfer, ATM cards (when offered), or in-branch visits. 

How Often Do Savings Rates Change?

The APY that a savings account pays on the day you make your initial deposit is not guaranteed. In fact, the account’s rate can change at any time.

Whether the rate goes up or down, and how often it changes, is largely influenced by the Federal Reserve. When it adjusts the federal funds rate, banks and credit unions often follow suit in the same direction.

That said, rate changes among savings accounts are not typically a daily or weekly event. Barring recent moves by the Fed, rates often remain at the same level for weeks or months at a time.

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Which savings accounts can beat inflation?

Inflation rose to best savings interest rates today in October , up from % the month before, according to the latest figures from the Office for National Statistics (ONS).

Below, we've listed the accounts paying the most interest on cash across instant-access, notice and fixed-rate deals at the time of publishing.

Regular savings accounts

The best regular savings accounts pay a higher interest rate than the current rate of inflation, but to access them you'll need to have a current account with the same provider.

In the past, these accounts have offered interest rates as high as 5% but these disappeared last year.

Bear in mind that unlike fixed-rate bonds or instant-access accounts, which allow you to deposit a lump sum, you'll be much more restricted on the amounts you can pay into a regular savings account: maximum monthly deposits are typically around £

What's more, the rates are sometimes only payable for a limited time - typically 12 months.

Current accounts

Despite a series of rate cuts on popular interest-paying current accounts, many still offer meaningful returns, albeit only on small balances. You'll also need to make sure you pay in the required minimum monthly amount to qualify for interest.

Nationwide's FlexDirect account currently pays 2% AER on balances up to £1, for the first 12 months, generating a maximum return of £ The rate will drop to % AER after that. You're also required to pay in at least £1, a month.

 

What are the best savings deals in November ?

Instant-access savings accounts (unlimited withdrawals)

Excluding accounts with limited withdrawals or other restrictions, the best instant-access savings rate is % AER, offered by Investec Bank plc.

The next-best rate is % AER, offered by Cynergy Bank. This rate will reduce to % AER after the first 12 months.

One-year fixed-rate savings accounts 

If you're willing to tie up your savings for a year, the best rate currently available is % AER, offered by Zopa.

The next-best rate is % AER, offered by Investec.

Two-year fixed-rate savings accounts 

The best rate for a two-year account is % AER, from United Trust Bank.

The next-best rate is % AER, offered by SmartSave and Zopa.

Three-year fixed-rate savings accounts 

For a three-year term, the highest rate is % AER, offered by United Trust Bank.

The next-best rate is % AER, from SmartSave.

Four-year fixed-rate savings accounts

The best rate for a four-year account is currently % EPR/AER, offered by Gatehouse Bank and United Trust Bank.

The next-best rate % AER, offered by United Bank UK.

The account from Gatehouse Bank is a sharia-compliant product, and so offers an expected profit rate (EPR), as opposed to interest (AER).

Five-year fixed-rate savings accounts 

The best rate is % AER, from United Trust Bank.

The next-highest rate is % EPR/AER, offered by Gatehouse Bank and United Bank UK.

The account from Gatehouse Bank is a sharia-compliant product, and so offers an expected profit rate (EPR), as opposed to interest (AER).

Please note that jordan kuwait bank prepaid card balance inquiry and maximum deposit amounts vary, even across products with the same rate, so make sure you consider the full details before you opt for a new account.

Which are the best and worst savings providers?

We know that customer service is an important factor for many people when choosing a savings account. But how do you find a bank or building society that combines great rates with top-notch customer service?

Which? is here to help. We've asked thousands of savers to rate their bank or building society, enabling us to create unique customer scores for all the major providers.

We've also analysed thousands of savings products and given each provider an overall product score, highlighting which companies offer consistently competitive rates. The full results from our  analysis are as follows:

Best and worst savings providers

Which? Recommended Providers for savings,

Each year, we name the very best savings providers as 'Which? Recommended Providers' (WRPs). To win this award, the bank or building society must:

  • achieve a customer score of 66% or above;
  • achieve an above-average product score;
  • be fully covered by the UK Financial Services Compensation Scheme (FSCS); and
  • offer products which are available nationally and are not tied to the purchase of another product with the same provider.

This year, our WRPs are:

Coventry Building Society

Coventry Building Society achieved a customer score of 66%, with customers giving it high ratings for its customer service, application process, regular communications, and transparency of charges and penalties. Its online banking service also proved popular.

Among the savings accounts on offer, Coventry Best savings interest rates today Society's instant-access saver pays % AER, but only allows you to access your cash six times a year. Its unrestricted instant-access cash Isa and savings account both pay % AER.

Elsewhere, its three-year fixed-term cash Isa and savings account both pay 1% AER.

Marcus by Goldman Sachs

Marcus by Goldman Sachs received a 68% customer score. Savers gave it top marks for its application process, clarity of statement and online banking service. The provider's transparency of fees and charges was also rated highly.

Marcus currently offers an instant-access savings account and cash Isa that both pay a competitive variable rate of % AER for the first 12 months; after that time the rate will drop to % AER.

About Which?'s savings account research

Scores and star ratings are based on a survey of 4, UK savings account holders in September

Which? Customer Score

This is Which?'s rating for customer satisfaction, based on feedback from real customers. The score is calculated based on customers' overall satisfaction with the brand, and how likely they are to recommend it to others.

Product score

We analyse nine key elements of savings accounts, from account management and restrictions to how often interest is paid, in order to calculate a product rating score. 

Providers must also offer an account sitting within the top half of at least one category.

This ensures that the providers we endorse offer consistently good rates along with excellent customer service. 

How to find the best sustainable savings account

When you deposit money into a savings account, it doesn't just sit there until you're ready to withdraw it again.

Instead, it's put to use by your bank or building society, which will lend those deposits to fund things like mortgage loans, or use them to make investments. These could include fossil fuels, arms, or other industries you may disagree with.

If you're curious about what your money is being used for, or looking for a provider that matches your values, try the following:

  • Which? ratings: In July we rated 18 leading providers of savings accounts on their sustainable credentials. Find their scores here.
  • Provider websites: Look for the 'about us' page, which should discuss environmental issues, with the best listing what they currently invest in.
  • Environmental reports: Some providers publish dedicated reports about their emissions and target for reducing them.
  • Lending criteria: Sometimes called an ethical policy, this should show which industries best savings interest rates today bank will and won't lend money to.
  • Annual reports: These often list emissions and other environmental impacts and plans to reduce these impacts.

If you're saving for more than five years, you could earn higher returns through investing. This also allows you to exercise more control over what are marcona almonds good for you money is being used for.

Rates correct at time of publishing. Last updated 2 December 

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Online Savings Account

Annual percentage yield

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Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.

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Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

mynewextsetup.us%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

mynewextsetup.us%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Best savings interest rates today Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

mynewextsetup.us%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

mynewextsetup.us%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

mynewextsetup.us%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

mynewextsetup.us%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of Best savings interest rates today, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

mynewextsetup.us%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

mynewextsetup.us%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

mynewextsetup.us%

Competitor APY comparison information obtained from Curinos, as of XX/XX/XXXX, using savings account APYs. Competitor APYs are subject to change at any time. The non-Discover Bank service marks for Chase, Citibank, Bank of America, Wells Fargo, PNC Bank, U.S. Bank, Capital One, Ally Bank, Marcus and Synchrony Bank, are owned by each respective entity. Rates were obtained from Curinos, who relies on the data from the banks it tracks and such information cannot be guaranteed.

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Generally savings accounts offer very low interest rates. So, if you want to earn on your deposits (rather than simply using your account as a temporary “holding tank” or directing to longer-term saving and investing vehicles), a savings account with a high interest is a no-brainer.

However, when shopping for an account, there’s more to consider than just the interest. You can make an informed decision by using the finder tool to compare the fees and features of several different options available. How to volunteer at a food bank do scroll down to read our seven editors’ picks for the best high-interest savings accounts (HISA) in Canada.

These are rates offered by Ratehub partners. You can find information about additional product options below.

You can compare high-interest rates in the table above or input your estimated account balance to compare the growth between HISAs, tax-free savings accounts, registered retirement savings plans and youth savings accounts.


Our pick for the best high-interest savings accounts in Canada for

 


Best high-interest savings account rate: Saven Financial High Interest Savings Account*

This HISA may sneak under the radar, but once you see the rate you will be impressed. This online-only financial institution hits in with a strong interest rate on its HISA offering, along with no minimum balance requirements and free transfers. Saven is a division of FirstOntario Credit Union, a financial institution with roots back toand which currently has more thanmember clients. Note, you will need to invest at least $25 to become a member of FirstOntario.

  • Promotional rate: None
  • Interest rate: %
  • Minimum balance: None
  • Fees: None, except for a $25 cost to become a member of FirstOntario
  • Other restrictions: Only available to residents of Ontario

Also consider: Motive Savvy Savings Account

Motive Financial, the online banking division of Canadian Western Bank, offers the highest regular interest rate on this list. As such, your eligible deposits are held at Canadian Western Bank, and protected by the Canada Deposit Insurance Corporation (CDIC; see details below). There isn’t a monthly fee, and account holders get two free monthly withdrawals. But additional transactions will cost you.

  • Promotional Rate: None
  • Interest Rate: %
  • Minimum balance: None
  • Free transactions per month: 2 free monthly withdrawals ($5 charged per additional transaction)
  • Interac e-Transfer fee: $1 per outgoing transfer (no fee to receive)
  • Fees for extras: $ charged per withdrawal though non-exchange ATMs
  • CDIC insured: Eligible on deposits up to $, in Canadian funds that are payable in Canada and have a term of no more than 5 years
  • Other restrictions: Not available to residents of Quebec

Best for interest rates and no service fees: EQ Bank Savings Plus Account*

EQ Bank is owned by Equitable Bank, a Canadian institution in business since Another in the burgeoning online space, EQ Bank offers great returns on their Savings Plus account. There is no best savings interest rates today for the account and no minimum balance. All services, including Interac e-Transfer, are free.

EQ Bank Savings Plus Account*Get more details*

  • Minimum balance: None
  • Free transactions per month: Unlimited
  • Interac e-Transfer fee: Free
  • Fees for extras: None
  • CDIC insured: Eligible on deposits up to $, in Canadian funds that are payable in Canada and have a term of no more than 5 years
  • Other restrictions: There’s a maximum balance of $, per customer; paper statements are not available

Best regular interest rate at a credit union: Maxa Financial High-Interest Savings Account

Maxa is a division of Chase bank north carolina branches Credit Union, located in Manitoba. But its accounts are open to all Canadians, and it offers an impressive interest rate on savings. There’s no fee, but account holders can expect to pay service charges for many transactions.

  • Promotional Rate: None
  • Interest Rate: %
  • Minimum balance: missing info
  • Free transactions per month: First debit of each month free
  • Interac e-Transfer fee: $2 per transfer domestically; $5 per transfer internationally
  • Fees for extras: $ per debit except on the first of each month
  • CDIC insured: No, but all deposits guaranteed by the Deposit Guarantee Corporation of Manitoba, with no dollar-amount limit
  • Other restrictions: Online interface is dated

Best eSavings account: Neo High-Interest Savings Account

The Neo High-Interest Savings Account is a no-fee hybrid account that lets you best savings interest rates today and save—and earn cash back rewards—all in one place. Clients earn % in interest on every $1 held in the account, and can access their money from an app on their phone, making bill payments, purchases, Interace-Transfer transactions and more simple and seamless. 

 

  • Promotional Rate: None
  • Interest rate: %
  • Minimum balance: None 
  • Free transactions per month: Unlimited
  • Interac e-Transfer fee: $0
  • Fees for extras: $ for each printed document 
  • CDIC insured: Deposits held in Neo Savings accounts are combined with eligible deposits held at Concentra Bank, for up to $, of deposit protection, per category, per depositor
  • Other restrictions: Maximum balance per customer is $,; not available to residents of Quebec

Best regular interest rate in a hybrid account: Wealthsimple Cash*

Wealthsimple Cash* was launched in January by the Canadian online financial services provider Wealthsimple. Joining the fintech’s original robo-advisor offering and its more recently added discount brokerage Wealthsimple Trade, Wealthsimple Cash is a hybrid chequing and savings account. Unlike many of the big banks, this institution offers a high regular interest rate. Plus, as with a good chequing account, this one gives you unlimited transactions with zero fees. From the account, you can make no-fee bill payments and Interac e-Transfer transactions. If you have a Wealthsimple investment account, such as a TFSA or RRSP, you can contribute to them easily using funds from your savings account.

  • Promotional Rate: None
  • Interest Rate: %
  • Minimum balance: $1
  • Free transactions per month: unlimited
  • Interac e-Transfer fee: free
  • Fees for extras: free
  • CDIC insured: Yes, as of January 1,
  • Other restrictions: none
  • Open a Wealthsimple Cash account now*

Best promotional rate: Tangerine Savings Account

The Tangerine’s regular savings account is really flexible. It doesn’t require a minimum balance, and there are no fees or service charges. The entire Tangerine banking experience is simple and friendly, and their savings offerings are the same. Account holders can set up an Automated Savings Program online to help plan and meet savings goals.

  • Promotional Rate: % for the first days
  • Interest Rate: %
  • Minimum balance: None
  • Free transactions per month: Unlimited; free unlimited deposits and withdrawals at Tangerine or Scotiabank ABM Network bank machines in Canada; no surcharge or access fees on withdrawals from Global ATM Alliance machines internationally
  • Interac e-Transfer fee: Free
  • Fees for extras: None; no cost for paper statement, if desired (sent quarterly)
  • CDIC insured: Eligible on deposits up to $, in Canadian funds that are payable in Canada and have a term of no more than 5 years
  • Other restrictions: None

Best tiered interest savings account: Scotiabank MomentumPlus Savings Account

With tiered earnings on interest starting, this product acts like a GIC, giving account holders the opportunity to save more just by leaving their money alone—but with the freedom to make withdrawals if you need to. Provided no debit transactions have taken place during that time; deposits bb gun rifle ebay for longer can earn extra interest based on the following calculations:

% +

  • % after 90 days
  • % after days
  • % after days
  • % after days

Plus, if you also have an Ultimate Package account with Scotiabank, your earn rate will be % for a limited time. The account is no-fee and self-service transfers are unlimited.

  • Minimum balance: None
  • Fees for extras: $5 per debit transaction that’s not self-service
  • Free transactions per month: Unlimited for self-service transfers
  • Interac e-Transfer fee: Free
  • CDIC insured: Eligible if in Canadian currency with a term of 5 years or less and payable in Canada
  • Other restrictions:  No paper statement available

Also Consider:

LBC Digital High-Interest Savings Account

SinceLaurentian Bank has been available only in Quebec, but with the recent launch of a new digital offering at mynewextsetup.us, the institution is tempting clients from across the country. The headline news here is the high-interest rate and the fact the account has no minimum balance and no monthly fees, easily topping the best rates of most financial institutions on GICs, which lock in your money for a specified period of time. With the LBC Digital High-Interest Savings Account, you can access funds whenever you like, and frequently used services including electronic fund transfers, pre-authorized deposits, and transfers between LBC Digital accounts are included. This last is important as it means you can move your money to an mynewextsetup.us chequing account, from which you can make unlimited free Interac e-Transfer transactions.

  • Promotional Rate: None
  • Interest Rate: % on deposits up to $,; rate drops to % on deposits over $,
  • Minimum balance: None
  • Free transactions per month: Unlimited
  • Interac e-Transfer fee: Free
  • Fees for extras: None
  • CDIC insured: Eligible on deposits up to $, in Canadian funds that are payable in Canada and have a term of no more than 5 years
  • Other restrictions: Non-sufficient funds (NSF), returned items and overdrawn accounts are subject to fees, and if you close the account within 90 days there’s a $25 penalty

Didn’t find the perfect savings account?

If none of our editors’ picks sound like the right HISA for your exact financial needs, then head to our Savings Account Finder tool to compare the best HISAs in Canada from most Canadian financial institutions side by side.


Compare the Best Savings Accounts in Canada >


What is a high-interest savings account?

A HISA is a savings account that pays a better rate of interest than standard savings accounts. HISAs are offered widely by a variety of banks, credit unions and other financial institutions.

This type of account allows you to safely and securely set aside money and earn a modest return without losing the ability to access that money anytime.

It’s also great for short or medium-term savings that want to be able to withdraw from than later. People will often use a HISA to save for big costs, like a wedding, the down payments on a home, a vacation or for an emergency fund. HISAs are also smart places to stash some money during times of uncertainty or during economic downturns.

 

 


How does a high-interest savings account work?

The greatest appeal of HISAs is that they are a safe and secure place for savings to grow money slowly. Financial institutions that are members of the Canada Deposit Insurance Corporation (CDIC) insure savings of up to $, while credit unions are insured provincially and usually cover the full deposit, with no limits. Money that is deposited in a HISA account generates interest by allowing the bank to access those funds to loan to others. Interest rates offered by HISA accounts typically vary between rates as low % and to the 2% range at the upper end. There are usually no monthly service first international bank and trust watford city associated with savings accounts since they are intended to serve as places for people to park their money for stretches of time. However, it’s not unusual to see the number of withdrawals and transfers limited or to have a fee associated with transactions. (Read more for how CDIC protects you.)


How are high-interest savings accounts taxed?

Earnings from a HISA are taxable as income. That means any interest you earn from your savings must be declared and will be taxed at your normal rate. It is, however, possible to shelter your savings from taxes if you hold a HISA within either a TFSA or an RRSP.


What is the difference between a high-interest savings account and a regular savings account?

The main difference between a standard savings account and a HISA is the interest rate. As suggested by their name, HISAs pay a slightly higher rate than standard savings accounts, allowing savings to slowly grow. They may, however, be subject to withdrawal or transfer limits, transaction fees or minimum balance requirements. A standard savings account is a good place to keep surplus cash that you don’t need for everyday transactions (use a chequing or hybrid account for those needs). A HISA, on the other hand, is a better choice for holding savings that are geared toward a particular goal, such as paying for home renovations or university tuition. 


How to choose a high-interest savings account

Most financial institutions in Canada offer HISAs, and you will want to consider which is the best fit for your needs. First and foremost, you should consider the interest rate. Conventional wisdom states that you want to look for a rate of interest that outpaces the rate of inflation or you will wind up with less buying power than you started with. In recent years the rate of inflation has been about 2%. During recessions, however, we can expect both interest rates and inflation to decrease. 

You also want to carefully look at the HISA terms and conditions. Some may require you to best whole foods in houston a minimum balance, charge fees on transactions, limit withdrawals, or enforce lock-in periods. 

Look to take advantage of cash signing bonuses or higher promotional rates, but also keep in food stamp office houston that the long-term interest rate is more important than a short-term introductory rate.


Savings account vs. chequing account

Chequing and savings accounts are two of the many products offered by financial institutions. While they share some similarities, there are a few differences. Generally speaking, chequing accounts are used for everyday banking transactions while savings accounts are designed to help you reach longer-term goals by offering interest on your deposits without monthly fees. As a third option, hybrid accounts are an increasingly popular choice for those seeking the perks and features of chequing and savings accounts in a single package. Let’s take a closer look.

What is a savings account?

There are different types of savings accounts, each with their own specific terms. But in general, these accounts are where you put money while working towards a financial goal. Savings accounts do not typically have monthly fees, and you are paid interest on your deposits. Depending on the type of savings account you have, you may be able to use the money in it to make everyday purchases but usually you will have to transfer the money into your chequing account first. You cannot write a cheque from a savings account.

What is a chequing account?

As the name suggests, you can write cheques against a chequing account, and you might receive your paycheque into this account as a direct deposit. While writing a physical cheque isn’t as popular as it once was, “chequing” accounts are still around. As they are used for everyday transactions, these accounts are accessible from ATMs, at tellers, online and apps. This type of account is where you store money you intend to spend on routine transactions, including Interac e-Transfer, bill payments, withdrawals, deposits, pre-authorized payments and point-of-purchase payments, like using your debit card at a store. 

The best of both worlds—the hybrid account

Hybrid bank accounts combine the interest of a savings account with the flexibility of a chequing account—all for low or no fees. Money in this kind of account earns interest but it can also be accessed for purchases, pay bills, buy money transfers, make Interac e-Transfer transactions and so on. For those who want to simplify how they bank, a hybrid account could be the solution. Note that not all banks offer hybrid accounts, so you may have to shop around.

What kind of account is my money in?

After reading the above options, you might be wondering what kind of account you have already. The easiest way to find out is to call or visit your bank. Speaking with a banking teller can clarify your current structure and give you the opportunity for help should you want to make a change or move your money. 

Other types of savings accounts

A standard HISA is a very safe and secure way to squirrel away some money and earn a small amount of interest in the meantime. For medium or long-term savings, Canadians should consider holding their HISA in one of two types of registered plans that will help mitigate the amount of tax you will owe on your interest earnings.

Tax-free savings account

TFSAs are registered with the federal government, like an RRSP. More than just a savings account, a TFSA allows you to invest up to $6, per year and not pay any taxes on the earnings. You are free to withdraw the money, tax-free, at any time. The savings plans available within a TSFA may have somewhat lower interest rates than some other HISAs, but could be a better choice after considering the tax savings. (You can also hold other kinds of investments inside a TFSA, such as stocks and ETFs.)

Registered retirement savings plan

An RRSP is a tax-deferred retirement savings plan, registered with the federal government, that allows Canadians to defer paying taxes on their income until after retirement.

Canadians can defer paying taxes on up to $27, this year and instead hold that money in a savings account (or other types of investments, including stocks, bonds and ETFs) within an RRSP where earnings will accrue tax-free as well. When you withdraw the money to use for living expenses in retirement, it’s typically taxed at a lower rate, assuming your income in retirement is lower than when you made the original contribution.

Why do the interest rates on a savings account go up and down?

The interest rates on savings accounts fluctuate, sometimes on very short notice. Infor example, there were several rapid changes—mostly on a downward trend. In that case, it’s not hard to understand why. The COVID pandemic threw the world’s economies into disarray, and this was reflected in interest rates. The rates offered by savings accounts are controlled by the prime rate, which is linked to the Bank of Canada’s policy rate.

In times of economic turmoil, the Bank of Canada might reduce its interest rate to stimulate the economy by making it more affordable for people to borrow money. This shift affects your interest rate. In general, the interest rates are high in a strong economy, and they are lower during downturns. Today’s prime rate is %.

Reductions in the Bank of Canada policy rate might negatively affect your savings account, but they do have benefits. You’ll get a very attractive interest rate when taking on or refinancing a mortgage, for example. The same goes for personal loans. If you’re looking for a good savings rate and can plan to set aside your savings for a certain term, you might consider moving it to a GIC. GICs offer guaranteed interest rates for a given term so needn’t worry about fluctuation.

The rates for GIC, like with many investments, go up and down with the economic environment. Right now the GIC rates are very low, despite the fact that the money is locked in. So, look at GIC rates when deciding what to do with your money. Would you want to tie up your money for the minimal payoff.

Is having a savings account really necessary?

Even when the economy is strong, the interest rates on savings accounts tend to be in the low single digits. If you compare this to real estate or stock portfolio returns, you might wonder why you should hold a savings account at all. The thing to understand is that these aren’t comparable products. They’re apples and oranges, each used for different specific reasons.

A savings account is an essential part of everyone’s personal finance portfolio. Why? They are a place to keep your money safe—and liquid!—while earning guaranteed returns. Although these returns tend to be modest, they can help your money grow steadily to combat against inflation. Having a savings account is important if you want a safe way to set aside money in case of emergencies or for an upcoming major purchase, like a car or a down jose angel medina soto on a house. Stocks do well in the long term, but short-terms fluctuations make them unsuitable places to store money for a purchase in the walmart eye center mexico mo future because you may well be forced to sell during a downturn. If you’re lucky enough to have real estate, you already know that it is anything but liquid. Savings accounts hit the sweet spot by providing interest, while your money is protected by CDIC or similar deposit insurance coverage, up to specified limits.


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What does the * mean?

If a link has an asterisk (*) at the end of it, that means it's an affiliate link and can sometimes result in a payment to MoneySense (owned by Ratehub Inc.) which helps our website stay free to our users. It's important to note that our editorial content will never be impacted by these links. We are committed to looking at all available products in the market, and where a product ranks in our article or whether or not it's included in the first place is never driven by compensation. For more details read our MoneySense Monetization policy.

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Best interest rate: Workers Credit Union SaveUp Account

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Consider this if you want the highest possible interest rate for building your child's savings.

  • Monthly fee: $0
  • APY: Up to %
  • Opening minimum: $5

Although the SaveUp savings account with Workers Credit Union isn’t exclusively for children, it offers one of the highest APYs for savings accounts. Anyone under the age of 18 can open a savings account with the credit union as long as there is an adult joint owner on the account who is 18 years of age or older.

The SaveUp savings account offers a tiered APY rate. You'll earn % APY on balances up to $ — or % APY on balances up to $ if you also have at least $50 in direct deposits for the month. APYs decrease on any balance equaling $1, or more, but you’ll still receive the phenomenal % or % APY on your first $1,

It’s also easier to become a member of Workers Credit Union than it is with other credit unions. You can be eligible for membership if you are an immediate family member of someone who is a member, if you live, work, worship or attend school in Lowell or Worcester, Mass.; if you or your family member work for a participating employer or through a charitable donation to the United Way of North Central MA. You can also become a member through the Financial Fitness Association, in which the credit union will pay your initial membership fee.


Best for a baby: USALLIANCE MyLife Savings for Kids

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Consider this if you'd like an incentive to save consistently until your child's 18th birthday.

  • Monthly fee: $0
  • APY: Up to %
  • Opening minimum: $1

USALLIANCE offers the highest APY of 2% for balances up to the first $, which is nice if you’re just starting out with a savings account. However, on balances beyond the first $, the APY drops to %. As a bonus, however, the USALLIANCE MyLife Savings for Kids includes $10 in Birthday Bucks each year for your child’s birthday.

USALLIANCE Financial is a credit union so you’ll need to become a member to open an account. You’re eligible for membership if you live, work or worship in certain Massachusetts counties; West Haven, Conn.; or certain districts in New York. Also, if you are a state or local government employee or retiree in New York counties and employees of more than Select Employee Groups. However, if you don’t live or work in these areas, you can become a member by joining any of four other associations, which are free to join.


Best for teens: Capital One Kids Savings

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Consider this if you want a savings account with decent interest and educational features for your teenager.

  • Monthly fee: $0
  • APY: %
  • Opening minimum: $0

The Capital One Kids Savings Account offers a great combination of a decent APY and educational features that give teens a chance to practice actual money management. This account not only carries an interest rate of % APY, it also gives your child an online account for checking the balance, making deposits and tracking their expenses. And since an adult is required to act as the joint account-holder, the account also strikes a balance between independent learning and parent supervision.

Both you and your teen will be able to manage the account through Capital One's convenient mobile banking app. In addition, Capital One also operates hundreds of branches, supplementing walmart eye center mexico mo online experience if you prefer brick-and-mortar banking. Even if your family is located outside of the bank's physical footprint, you can open an account from anywhere as long as you're willing to manage your money through the bank's website and mobile banking app.


Best teaching tools: PNC S is for Savings

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Consider this if you want an account with engaging educational tools for your young child.

  • Monthly fee: $0 if under 18
  • APY: %
  • Opening minimum: $25

Among traditional banks, the PNC S is for Savings account goes the furthest in providing tools to teach your child about managing money. Though the interest rate is just % APY, parents who emphasize learning by doing will appreciate the variety of activity-based features on PNC's child-oriented account. Kids learn how to divide their savings towards customized goals through a drag-and-drop feature, and the engaging use of Sesame Street characters provides just one more feature you probably won't find at other banks. All of these options make the PNC S is for Savings Account best-suited to younger children.

However, we recommend that you supplement this account with a stronger interest-earning option. % APY is the lowest possible rate that a bank can put on any type of deposit account, and it would be inefficient to keep the bulk of your child's savings at PNC just for the child-friendly features. With no monthly service charge for children under 18, it's certainly possible to keep the account at a low balance and use it just for teaching. If you already bank with PNC yourself, then managing automatic deposits to this account becomes even easier.


Best credit union account for kids: Alliant Kids Savings Account

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Consider this if you're looking for a low-fee, kid-friendly credit union account.

  • Monthly fee: $0 (or $1 if receiving paper statements)
  • APY: % on balances $ and more
  • Opening minimum: $5

If you're willing to try a credit union instead of a bank, the Alliant Kids Savings Account gives you one good reason to sign on. The % APY you can earn on balances of at least $ beats any rate you'll be able to find at a brick-and-mortar bank. We also recommend Alliant Credit Union over other credit unions because it's both larger and easier to join. While many credit unions restrict membership based on profession or region, Alliant Credit Union has a strong online presence and allows anyone to join after becoming a member of Foster Care to Success. The credit union will pay a $5 membership fee to Foster Care to Success on your behalf.

You'll need to open this account on or before your child's 12th birthday and sign yourself up as the co-owner of the account. Alliant Credit Union provides the initial $5 deposit required to open the account, which can then be used like any regular savings account to help teach your child about saving. Children aged 13 to 17 can also benefit from an Alliant Teen Checking Account, which automatically links to the savings account. This gives your child the chance to start practicing with both a checking and a savings balance.


Finding the right savings account for your child

Ideally, the savings account you choose for your child will have both a strong interest rate and a way to get him or her involved directly in managing the account. Realistically, it won't be easy to find a bank that delivers both in the same package. Instead, you should either choose one of the two features or search for two accounts that each specialize in a different area. For instance, you might want to find a high-yield savings option online, then supplement it with a more practical brick-and-mortar experience from a bank that actually operates in your area.

On the other hand, if you feel that it's more helpful to teach your child using websites and online banking tools, it might be a better option to skip the brick-and-mortar account altogether. Since banking seems to be increasingly focused on electronic and mobile platforms, it makes sense to prepare your child for the methods that many banks will favor as they grow older.

Methodology for best savings accounts for kids

To find the best savings accounts for kids, MagnifyMoney looks at hundreds of financial institutions offering savings accounts for children. Specifically, we consider the following factors when making our selections for the best accounts for kids:

  • Savings account annual percentage yield (APY): Savings accounts for kids often carry lower APYs. We heavily weighted the APYs offered by each bank in terms of both magnitude and consistency. Higher savings account interest rates were prioritized over lower rates. Due to the variable rates on savings accounts, we also gave additional consideration to banks that were known to maintain a competitive APY over longer periods of time.
  • Minimum deposit and balance requirements: To ensure accessibility to all customers, we focused on banks that welcome deposits of all sizes, where the ideal banks in this category have a minimum balance and deposit requirements of $0.
  • Bank account fees: Unnecessary fees can eat into a kids’ savings allied first bank sb. As such, we gave priority to banks that offer low or no fees, including account maintenance fees, service charges and other surcharges. If accounts had the same APY and minimum requirements, we went with the account with lower fees.
  • FDIC-insured and NCUA-insured: It is crucial for your deposit accounts to be protected by FDIC insurance and NCUA insurance in the case your financial institution were to fail. As such, we only included FDIC-insured and NCUA-insured savings accounts on our list.
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Best Savings Account Interest Rates

What Is a High-Interest Savings Account?

A high-interest savings account, also known as a high-yield savings account, helps you grow your money while keeping it accessible. Savings accounts often pay interest on your deposits, but interest rates vary from bank to bank. What makes high-interest accounts unique is a relatively high rate on your balance: Top rates on these accounts are often best savings interest rates today or more times the national average savings rate, multiplying your earnings.

As you earn interest on your savings, you can leave the money in your account and allow the funds to compound. Put another way, you earn interest on the interest payments you received in previous months. The higher your rate, the faster your money grows.

What Should You Look for in a High-Yield Savings Account?

The interest rate is the feature that most people pay attention to when shopping for a high-yield savings account. Compare banks and pick a competitive rate, but don’t ignore other critical features.

  • Low fees are crucial: If you’re paying monthly maintenance fees, you might wipe out any earnings in your account (or even best savings interest rates today your account balance fall each month).
  • Verify that your money will be safe: Banks should be FDIC-insured, and the safest credit unions provide NCUSIF coverage.
  • Select a bank that will be convenient to work with. Evaluate how you’ll use the account, and find a bank that fits your needs. For example, if you want to deposit checks frequently, make sure the bank offers mobile best savings interest rates today. If you withdraw cash regularly, choose a bank with a convenient ATM network or ATM rebates.

Why Do Savings Account Rates Change?

The interest rate on your savings account changes over time. In some cases, the rate remains the same over extended periods. But when rates in the broad economy change, banks typically move in sync with those changes. If the Fed cuts rates, there’s a good chance that your savings account rates will remain stagnant or fall. When rates rise, banks tend to increase rates, but not necessarily as quickly as you’d like.

Why Are Some Bank Interest Rates Higher Than Others?

How much interest you earn can vary quite a bit, but interest rates tend to be lower at big brick-and-mortar banks and higher at online banks.

Banks raise rates when they want to gather money. If they need to get deposits in the door, a high rate on savings accounts attracts customers. If, on the other hand, they don’t need cash, they can keep rates lower.

Banks have different approaches to earning money. Some take deposits and lend them out, while others take a more varied approach (earning revenue and fees from other services like credit cards and ancillary business).

Organizational structure is also important. Some banks have shareholders demanding that the bank grow (and/or share income with the shareholders), and those demands may make it harder to pay high rates to depositors. However, some banks are able to keep only what they need to pay the bills and share the rest of the revenue (from walking the west highland way in 4 days, ATM fees, etc.) with account holders. Small banks and credit unions are most likely to fit the latter model.

Is Savings Account Interest Taxable?

Interest you earn in your savings account is generally taxable as income. Your bank typically reports your earnings on Form INT, and you should provide that information to your tax preparer or include it with your tax filings.

Keep an eye out for a INT in the mail during tax season. You may also be able to download the form through your online banking portal. But in many cases, banks do not provide a INT unless you earn at least $10 during the year.

With individual accounts, joint accounts, and other taxable accounts, you’ll pay tax on the interest you receive as income for the year. But if your account is part of a retirement account like an IRA, you may be able to postpone or avoid taxation on that interest. 

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Savings Accounts

best savings account in syracuse ny

When you join SECNY, a regular share/savings account is opened for you. Your savings are called "shares" because they represent shares of ownership. A minimum balance of $5 must be maintained to keep the account open.

Open a Savings Account

Regular Share Account

A savings account that allows you to earn interest (with a minimum $ balance).

Club Accounts

Specialized savings accounts designed to fit your needs. Accounts may be opened to save for Christmas, vacations, etc.

Certificate Accounts

A range of certificates that allow you to invest for short or long term earnings.

View Certificate RatesView Savings Rates

Individual Retirement Accounts

Secure your retirement funds in an open IRA activity account or IRA/Certificate. Whether you are just beginning your career, planning for your family, or approaching retirement, it's never too late to start saving with a Traditional IRA or Roth IRA.

View Certificate Rates

Youth Accounts

Money Mammals Kids Club

Designed to help kids years old learn about the value of money in a fun and engaging way. It includes a multimedia site with videos, games and more.

Save2Learn - (Ages )

Get all the perks of having your own account. Whether you just got your first job, are planning for college or a trade; you’re going to need the right account to get you started.

Save2Earn - (Ages )

Your first steps on the path to adulthood. No matter where you are going in life, you'll need the right tools. You have places to go and people to see. We want to help you check everything off your life's to-do list!

Coverdell Education Savings Accounts (ESA)

Save for a child's education expenses such as tuition, fees, books, supplies, equipment, and, in some cases, room and board.

View Savings Rates

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best savings interest rates today

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