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- mph.bank18 monthsHigh Yield CDAPY2.85%
- mph.bank15 monthsHigh Yield CDAPY2.75%
- Patriot Bank N.A.13 monthsHigh Yield CDAPY2.75%
- mph.bank12 monthsHigh Yield CDAPY2.65%
- Patriot Bank N.A.17 monthsNo Penalty CDAPY2.55%
- mph.bank10 monthsHigh Yield CDAPY2.55%
- Sallie Mae Bank14 monthsNo Penalty CDAPY2.50%
- The State Exchange Bank13 monthsHigh Yield CDAPY2.35%
- SkyOne Federal Credit Union18 monthsCertificateAPY2.30%
- Patriot Bank N.A.Money Market Deposit AccountAPY2.05%
- mph.bankMoney Market Deposit AccountAPY2.02%
- The State Exchange BankHigh Yield Savings AccountAPY2.00%
- SkyOne Federal Credit Union12 monthsCertificateAPY2.00%
- Sallie Mae Bank10 monthsNo Penalty CDAPY2.00%
- Liberty Savings Bank, FSBHigh Yield Savings AccountAPY1.85%
- Ponce BankMoney Market Deposit AccountAPY1.75%
- The State Exchange Bank60 monthsHigh Yield CDAPY1.71%
- SkyOne Federal Credit UnionMoney Market Deposit AccountAPY1.70%
- Ponce Bank48 monthsHigh Yield CDAPY1.61%
- The State Exchange Bank36 monthsHigh Yield CDAPY1.51%
- The State Exchange Bank24 monthsHigh Yield CDAPY1.36%
- Ponce Bank13 monthsHigh Yield CDAPY1.31%
- Ponce Bank11 monthsHigh Yield CDAPY1.21%
- The State Exchange Bank7 monthsHigh Yield CDAPY1.10%
- Continental Bank13 monthsHigh Yield CDAPY0.90%
- The State Exchange Bank9 monthsHigh Yield CDAPY0.90%
- Continental Bank5 monthsHigh Yield CDAPY0.65%
- Continental Bank3 monthsHigh Yield CDAPY0.55%
- The State Exchange Bank4 monthsHigh Yield CDAPY0.55%
- Continental BankHigh Yield Savings AccountAPY0.50%
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 institution.
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 institutions.
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 financial institutions
Learn more about our curated network of banks and credit unions, and how they are helping their communities.
All deposit balances on the SaveBetter platform are held at federally 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.
Click to learn more about FDIC insuranceNational Credit Union Administration
All participating credit unions are insured by the NCUA through its Share Insurance Fund. Deposits in participating credit unions are insured by the NCUA up to the limits of federal law. The standard insurance amount is $250,000 per depositor, per insured credit union, for each deposit account ownership category.
Click to learn more about NCUA insuranceHow 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 Raisin US LLC. The Raisin Solutions US name and logo are trademarks of Raisin 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. Patriot Bank is a trademark of Patriot Bank N.A., used with permission. Liberty Savings Bank is a trademark of Liberty Savings Bank, used with permission. mph.bank and mph.bank Mark are trademarks of Liberty Savings Bank, FSB, used with permission. SkyOne Federal Credit Union is a trademark of SkyOne Federal Credit Union, used with permission. Sallie Mae is a trademark of Sallie Mae Bank, used with permission.
© 2022 Raisin US LLC. All rights reserved.
APY means Annual Percentage Yield. APY is accurate as of {todayDate}. 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 SaveBetter.com. 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.