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  • mph.bank
    18 monthsHigh Yield CD
    APY
    2.85%
  • mph.bank
    15 monthsHigh Yield CD
    APY
    2.75%
  • Patriot Bank N.A.
    13 monthsHigh Yield CD
    APY
    2.75%
  • mph.bank
    12 monthsHigh Yield CD
    APY
    2.65%
  • Patriot Bank N.A.
    17 monthsNo Penalty CD
    APY
    2.55%
  • mph.bank
    10 monthsHigh Yield CD
    APY
    2.55%
  • Sallie Mae Bank
    14 monthsNo Penalty CD
    APY
    2.50%
  • The State Exchange Bank
    13 monthsHigh Yield CD
    APY
    2.35%
  • SkyOne Federal Credit Union
    18 monthsCertificate
    APY
    2.30%
  • Patriot Bank N.A.
    Money Market Deposit Account
    APY
    2.05%
  • mph.bank
    Money Market Deposit Account
    APY
    2.02%
  • The State Exchange Bank
    High Yield Savings Account
    APY
    2.00%
  • SkyOne Federal Credit Union
    12 monthsCertificate
    APY
    2.00%
  • Sallie Mae Bank
    10 monthsNo Penalty CD
    APY
    2.00%
  • Liberty Savings Bank, FSB
    High Yield Savings Account
    APY
    1.85%
  • Ponce Bank
    Money Market Deposit Account
    APY
    1.75%
  • The State Exchange Bank
    60 monthsHigh Yield CD
    APY
    1.71%
  • SkyOne Federal Credit Union
    Money Market Deposit Account
    APY
    1.70%
  • Ponce Bank
    48 monthsHigh Yield CD
    APY
    1.61%
  • The State Exchange Bank
    36 monthsHigh Yield CD
    APY
    1.51%
  • The State Exchange Bank
    24 monthsHigh Yield CD
    APY
    1.36%
  • Ponce Bank
    13 monthsHigh Yield CD
    APY
    1.31%
  • Ponce Bank
    11 monthsHigh Yield CD
    APY
    1.21%
  • The State Exchange Bank
    7 monthsHigh Yield CD
    APY
    1.10%
  • Continental Bank
    13 monthsHigh Yield CD
    APY
    0.90%
  • The State Exchange Bank
    9 monthsHigh Yield CD
    APY
    0.90%
  • Continental Bank
    5 monthsHigh Yield CD
    APY
    0.65%
  • Continental Bank
    3 monthsHigh Yield CD
    APY
    0.55%
  • The State Exchange Bank
    4 monthsHigh Yield CD
    APY
    0.55%
  • Continental Bank
    High Yield Savings Account
    APY
    0.50%

Understanding the different product types

explore high-yield savings accounts

High-yield savings & MMDA

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 institution.

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 competitive fixed term interest rate with the flexibility 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 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.

  • Sallie Mae logo

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

Federal Deposit Insurance Corporation

FDIC logo

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 insurance

National Credit Union Administration

NCUA logo

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 insurance

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

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.