SaveBetter logo
Family flying a kite outside
mph bank logo

15 month high-yield CD

  • 1.45% APY high-yield CD, 8.5X higher than national average.

  • Deposits are FDIC insured through Liberty Savings Bank.

  • No fees. $1 minimum deposit.

  • 24/7 online access to funds.

Start Saving 15 month high-yield CD

Earn 8.5 times the national average APY 15 month high-yield CD APY is 8.5 times higher than the national average

Don't settle for average rates

Expedite your savings with APYs significantly higher than the national average. Receive a competitive rate with the ability to withdraw or add funds whenever you like. Flexibility to withdraw as much as you want, whenever you want; there are no restrictions.

Start Saving


A group of happy friends having pizza together is a digital bank that focuses on delivering value directly to its customers. A savings product from can offer highly competitive interest rates in part because there's no spending going toward splashy marketing or expensive naming rights for professional sports stadiums. was created by Liberty Savings Bank, which has a history of offering products and services that deliver value for people. For, the priority is empowering customers’ financial success. Making People Happy. It's that simple.


A New Bank with History is part of and backed by a century-old, FDIC-insured financial institution, Liberty Savings Bank.



Not flashy. Value goes to customers.


Exceptional Savings offers competitive savings products exclusively through SaveBetter.

Security Is Our Top Priority


FDIC logo is powered by Liberty Savings Bank, FSB, member FDIC. Deposits in are insured by the FDIC up to the limits of federal law. The standard insurance amount is $250,000 per depositor, per insured bank, for each deposit account ownership category.

Click to learn more about FDIC insurance

Cybersecurity is a top priority at SaveBetter

SOC2 logo

We invest in a variety of technologies to protect our customer’s data, privacy and transactions. These include Multi-Factor authentication, encryption, and Cloudflare advanced internet protection and monitoring. We are a SOC 2 certified organization, which means we have met the requirements outlined by the American Institute of Certified Public Accountants (AICPA) to ensure that we have the controls in place to keep customers' data secure and private.

Click to learn more about SOC 2 certification, Powered by SaveBetter

Family enjoying outdoor time uses the secure SaveBetter platform to offer savings products to savers nationwide. Customers open accounts at, and the platform manages all aspects of the products offered by, including a customer's deposits and withdrawals, statements and any customer service needs. In simple terms, SaveBetter provides you exclusive access to a special selection of products. Best of all, SaveBetter is completely free!

  • Security: Funds deposited into any of the products accessible through SaveBetter are held by federally insured institutions. We use a host of cybersecurity measures to protect your funds and sensitive information.

  • Choice: Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.

  • Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.

  • Service: A supportive, accessible, responsive customer service team based in New York, NY, sets SaveBetter apart.

  • Access: Enjoy 24/7 online access to your account and funds.


Read what the media is saying about SaveBetter.

  • U.S. News

    Deposit Solutions is launching its savings portal in the United States

    Read article

Open an Account in 3-5 Minutes

Select a product


the right product for your savings goals.

Register for a SaveBetter account


with an email address and password, then verify your identity and bank information.

Add funds


the savings products you add to your new SaveBetter account.


1.45% APY 15 month high-yield CD

Offering Bank:*

Term of CD: 15 months.

The term will automatically renew at maturity. You can elect to pay-out and close your CD by logging into your account prior to the maturity date.

Interest Rate: 1.44 %

Annual Percentage Yield (APY): 1.45 %

APY Effective as of: April 21, 2022

Interest Calculation: Interest will be compounded daily and credited on the last calendar day of each month in which the CD is active and on the maturity date of the CD.

If funds are withdrawn before the maturity date, then interest is credited through the date of withdrawal.

Balance Computation Method for Calculating Interest: Daily Balance Method (based on actual balances in the account on each day)

Minimum Opening Deposit: $1

Transactions Limitation: One-time full withdrawal of the CD.

Early Withdrawal Penalty: Withdrawals may be made 7 days after opening. If you withdraw the balance from your CD prior to maturity, an early withdrawal penalty will be assessed based on the term of the CD and the principal. CDs that are renewed at maturity can be cancelled within 7 days of opening without early withdrawal penalty.

The early withdrawal penalties are assessed as described below:

CD Term Less than 12 months - Early Withdrawal Penalty: 90 days simple interest on the principal at the rate in effect for the CD

CD Term 12 months to 5 years - 270 days simple interest on the principal at the rate in effect for the CD

CD Term Greater than 5 years - 365 days simple interest on the principal at the rate in effect for the CD

Daily simple interest is calculated by multiplying the interest rate (not APY) by the amount of principal in your CD account and dividing by 365. To calculate the early withdrawal penalty, multiply the daily simple interest by the number of penalty days indicated above.

For any questions or assistance in calculating the early withdrawal penalty, please call us at 844-994-EARN (3276).

* deposit products are provided by, and is a brand of, Liberty Savings Bank, F.S.B., Member FDIC.


Call us: 844-994-EARN (3276)(Monday to Friday from 9:00 a.m - 4:00 p.m)
SaveBetter logo

The SaveBetter name and logo are trademarks of SaveBetter LLC. The Deposit Solutions name and logo are trademarks of Raisin GmbH, used with permission. and Mark are trademarks of Liberty Savings Bank, FSB, used with permission.

© 2022 SaveBetter LLC. All rights reserved.

*APY means Annual Percentage Yield. APY is accurate as of April 21, 2022. Interest rate may change after initial deposit. Minimum opening deposit is $1.00.

Each customer authorizes the Custodian Bank to hold the customer’s funds in a custodial capacity in order to facilitate the customer’s deposits to and withdrawals from deposit accounts at various Product Banks that the customer requests through The Custodian Bank does not establish the terms of the deposit accounts, or offer the deposit accounts to customers, and provides no advice to customers about deposit accounts. Central Bank of Kansas City, Member FDIC, d.b.a. Central Payments is the Service Bank. Custodian services are provided by Lewis and Clark Bank.