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Understanding the different product types
High-yield savings & MMDA
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.
Variable, depending on market conditions.
Flexibility to withdraw as much as you want, whenever you want; there are no restrictions.
Fixed term CDs
Guaranteed rates and clear terms for easy planning or laddering – whatever your timeline.
Lock in to a competitive interest rate for a fixed period to better manage your return expectations.
Fixed for CD term regardless of market conditions.
Full withdrawal when fixed term expires. Penalty fee applies for early withdrawal, varies by bank.
No penalty CDs
Stability and flexibility in one: guaranteed interest rates, plus penalty-free full withdrawal.
The best of both worlds; lock in to a competitive fixed term interest rate with the flexibility of withdrawing.
Fixed for CD term regardess of market conditions.
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
Helping support neighborhoods as a Community Development Financial Institution (CDFI) – building prosperity and providing opportunities in the communities that need them most.
Learn morePonce Bank
Bank with the largest Latinx owned Minority Depository Institution east of the Mississippi. ¡Somos como familia!
Learn moreContinental Bank
Community focused Western bank committed to offering great products to help you save.
Learn moreWEX Bank
WEX is a global leader in financial technology solutions. They simplify the complexities of payment systems across continents and industries—including Fleet, Corporate Payments, and Health.
Learn moreThe State Exchange Bank
The State Exchange Bank opened in Salt Fork, Oklahoma on October 1, 1901. As a result of circumstances brought about by the nation’s financial crisis in the early 1930s, the bank was moved to Lamont in 1935. Since its beginning, the bank has remained a locally-owned independent community bank.
Learn moreAll deposit balances on the SaveBetter platform are held at 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
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. WEX Bank is a trademark of WEX Bank, used with permission. The State Exchange Bank is a trademark of The State Exchange Bank, used with permission.
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APY means Annual Percentage Yield. APY is accurate as of September 27, 2021. Interest rate may change after initial deposit. Minimum opening deposit is $1.00.
Banking services provided by Central Bank of Kansas City. 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.