Best Savings Account

Looking for a savings account where your money works for you? Look no further than these accounts, which offer a variety of options, depending on your financial needs. All accounts listed are insured through the FDIC for varying deposit amounts. Interest rates are reported for the time of publication of this list.

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 Offered through HSBC Direct

 High 5.05% APY. Only need $1 to open an account. ATM cards are available for withdrawing money.

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 Offered through Amboy Direct

 5.25% APY with no minimum or fees for account. Regular transfers can be set up.

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 Offered through Emigrant Direct

 5.05% APY. In addition to no minimum balance, direct deposits can be set up with this account.

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 Offered through Citibank

 High 5% APY with no minimum balance. ATM transactions are available when you link to the Citibank EZ Checking. This is an online money market savings account.

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 Offered through ING Direct

 No minimum account balance or fees are associated with this account. Set up an automatic savings plan. Yield 4.4% APY; get a bonus if you register through a referral with a minimum deposit.

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 Offered through GMAC Bank

 APY of 5% for balances above $500. Minimum opening deposit of $50. Can get a check card linked to savings account, and use STAR/CIRRUS ATMs.

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 Offered through Washington Mutual

 Depending on the amount deposited, the APY is figured according to balance. Offers ATM, in-person, and telephone banking. No monthly charge, although certain fees may apply.

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 Offered through Countrywide Bank

 Minimum opening deposit is $1,000. Tiered APY depending on account balance.

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 Offered through E-Loan

 Minimum account opening is $5,000. High 5.5% APY. They do not accept wire, cash, or check deposits.

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 Offered through Principal Bank

 Opening balance of $25,000. Need to maintain opening balance to avoid fees. Interest rates begin at 5% for opening balance amount and are tiered from there on up.