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Understanding the different product types

explore high-yield savings accounts

High-yield savings

Expedite your savings with APYs significantly higher than the national average.

Benefits

Receive a competitive rate with the ability to withdraw or add funds whenever you like.

Interest rate

Variable, depending on market conditions.

Withdrawals

Flexibility to withdraw as much as you want, whenever you want; there are no restrictions.

explore fixed term CD accounts

Fixed term CDs

Guaranteed rates and clear terms for easy planning or laddering – whatever your timeline.

Benefits

Lock in to a competitive interest rate for a fixed period to better manage your return expectations.

Interest rate

Fixed for CD term regardless of market conditions.

Withdrawals

Full withdrawal when fixed term expires. Penalty fee applies for early withdrawal, varies by bank.

explore no penalty CD accounts

No penalty CDs

Stability and flexibility in one: guaranteed interest rates, plus penalty-free full withdrawal.

Benefits

The best of both worlds; lock in to a competitve fixed term interest rate with the flexibiity of withdrawing.

Interest rate

Fixed for CD term regardess of market conditions.

Withdrawals

You can make a full withdrawal as soon as 7 days after funding but rules may vary at different banks.

Develop a cash strategy to meet your unique needs

Use each type of product to make the most out of your short and long-term cash requirements as interest rates change over time. Savings accounts are subject to rate increases and decreases. With CDs, on the other hand, the interest rate is fixed for its specific term. Developing a cash strategy that takes into account both fixed rates (for periods of interest rate uncertainty or to lock into attractive rates) and variable rates (high-yield savings for short term cash needs or if rates are expected to increase) may help you better achieve your long term goals.

Our partner banks

Learn more about our curated network of partner banks, and how they are helping their communities.

Central Bank of Kansas City

Central Bank of Kansas City logo

Helping support neighborhoods as a Community Development Financial Institution (CDFI) – building prosperity and providing opportunities in the communities that need them most.

Learn more

Ponce Bank

Ponce Bank logo

Bank with the largest Latinx owned Minority Depository Institution east of the Mississippi. ¡Somos como familia!

Learn more

Continental Bank

Continental Bank logo

Community focused Western bank committed to offering great products to help you save.

Learn more

All deposit balances on the SaveBetter platform are held at FDIC insured financial institutions

FDIC insured financial institutions

Federal Deposit Insurance Corporation

All participating banks are members of the FDIC. Deposits in participating banks 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.

How taxes are taken care of

tax reporting with Savebetter

You will receive a 1099-INT for each calendar year for income tax reporting requirements.

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The SaveBetter name and logo are trademarks of SaveBetter LLC. The Deposit Solutions name and logo are trademarks of Deposit Solutions GmbH, used with permission. The Central Bank of Kansas City name and logo are trademarks of Central Bank of Kansas City, used with permission. Continental Bank is a trademark of Continental Bank, used with permission. Ponce Bank and the Ponce De Leon image are trademarks of Ponce De Leon Federal Bank, used with permission.

© 2020 SaveBetter LLC. All rights reserved.

APY means Annual Percentage Yield.

Each customer authorizes the Service 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 SaveBetter.com. The Service 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.