Our Comprehensive Saving Account Reviews of 2025
Current Rate: 3.90% APY
Initial deposit
Monthly contribution
Period (years)
APY
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Interest earned
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Contributions
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Initial deposit
Total savings
Key
#1
Emergency funds should be easily accessible. A savings account is a secure place to store 3–6 months’ worth of living expenses.
Key
#2
Automate transfers to your savings account to stay consistent with your goals without extra effort. Even small amounts add up.
Key
#3
Keep a buffer in your savings account to avoid overdraft fees if your checking account runs low. It’s a simple safety net.
Key
#4
Use a savings account as a temporary holding place for big purchases while keeping your money secure and earning interest.
Key
#5
Online savings accounts often have better rates than traditional ones. Consider switching to an online bank for higher returns.