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The best accounts to
keep your money safe and growing
These accounts are FDIC-insured, fully liquid, and pay significantly more than a traditional savings account. Moving your money here costs nothing and takes less than 10 minutes.
Compare your options
SoFi offers one of the highest APYs on the market with no minimum balance and no monthly fees. It also combines savings and checking in one app, making it easy to manage your full financial picture in one place. FDIC insured up to $250,000.
Open a SoFi account →Marcus is the consumer banking arm of Goldman Sachs. It offers a clean, no-frills high-yield savings account with no fees, no minimums, and a consistently competitive rate. Known for reliability and straightforward terms — no surprise conditions attached to the APY.
Open a Marcus account →Acorns combines a checking account, emergency fund, and automated investing in one app. Its round-up feature automatically saves spare change from everyday purchases. Lower APY than dedicated HYSAs, but the automation makes it ideal for people who struggle to save consistently.
Open an Acorns account →Credit Karma’s savings account is free to open, has no minimum balance, and is backed by a network of FDIC-insured banks. It integrates directly with Credit Karma’s free financial tools, making it a convenient option if you already use the platform to monitor your credit.
Open a Credit Karma account →*APY rates are estimates based on publicly available information and are subject to change. Always verify the current rate directly with the provider before opening an account.