The most popular savings accounts are a great mixture of exceptional client service, user-friendly offering mobile applications and easy access from every device and last but not least high-interest rates.

The below eight accounts are a result of detailed research and analysis on the market to compare and shortlist the best options available now.

There is no secret that today’s rates are extremely low but there is a hope that things are going in a better direction. The online-only savings accounts are offering better interest rates than the standard ones.

Please find below our list of the 8 accounts that offer few of the highest rates available nationally.

 

1. PurePoint Financial

PurePoint Financial is a part of  MUFG Union Bank, N.A., PurePoint is popular with being in the top 3 in savings rates for a national bank. The online savings rate that it currently offers is of 1.40% APY. To be able to set that up it requires a $10,000 minimum deposit to open an account. The plus here is that there is no monthly fee.

2. Marcus by Goldman Sachs

This one is a great way an option if you like to save some money and earn interest, it doesn’t have any monthly fees and you can start with just 1$. It pays a very competitive 1.50% APY for the saving deposits. The downside is that is not user-friendly at all. Currency there is no mobile application that you can use and the bank doesn’t offer checking accounts. An ATM network is also not available.

3. Synchrony

Synchrony offers one of the best terms for opening a savings account. One of the grates benefits it has is that it is easily accessible as it is a part of two major ATM nets and you can always withdraw your savings if needed. The APY you’ll get is currently 1.55% with just 1$ minimum balance required. There are no monthly fees and you can earn a travel discount when your savings hit $10,000.

4. Barclays

Barclays is the next on our list. You can start your account with no minimum deposit and pay no monthly fees. Barclays recently raised their interest to 1.50% APY. You have easy access to customer services by phone and e-mail and there is a wide ATM network available. The Dream Account is a one to consider as you’ll get bonus ones you hit a certain amount or keep it for six months.

5. CIT Bank’s Premier High-Yield Savings Account

The CIT’s saving accounts offer a 1.55% APY and it definitely is worth considering. The opening deposit required is $100. There are no monthly fees and the interest is available daily. A downside is that the bank doesn’t offer a checking account at the moment.

6. Ally Bank

Ally’s online- savings account is considered to be one of the best in terms of online experience. It is very easy to use and accessible due to being very well digitally developed. It has a mobile app available for most operating systems. The customer service is accessible through online chat which is a great advantage. The APY is 1.45% and there is no minimum deposit required or any monthly fees.

7. Discover Bank

Discover Bank offers a very competitive APY 1.50% with no minimum deposit required or any monthly fees. Interest is compounded daily and paid monthly. The transfer between existing Discover accounts is made very easy and also transfers to outside accounts as well.

8. Chase

Chase is a good choice for those requiring great customer service and easily accessible funds. It offers a bonus for opening a new savings account. The bonus is $150 and it is required to keep a balance of $10,000 for 90 days. The expiration date for this offer is 04/16/2018. There is a monthly fee of $5 and you the APY is surprisingly low 0.01%.

 

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