Deposit Products
Twelve account types, compared by APY, FDIC or NCUA insurance, and depositor profile fit.
High-Yield Savings Account
A federally insured deposit account paying substantially more than the national savings average, typically off…
Money Market Account
A hybrid deposit account combining savings-account interest rates with limited check-writing and debit-card ac…
1-Year Certificate of Deposit
A time-locked deposit at a fixed APY for twelve months. The twelve-month term sits at the inflection point of …
5-Year Certificate of Deposit
A long-duration fixed-rate deposit commitment. Historically pays a premium over shorter CDs, though in inverte…
No-Penalty CD
A certificate of deposit that waives the early-withdrawal penalty after an initial lock period (typically 7 da…
Rewards Checking Account
A checking account that pays interest or cash-back rewards in exchange for meeting monthly activity requiremen…
Cash-Back Checking Account
A transaction account that returns a percentage of qualifying purchases as cash, rather than as interest. More…
IRA Certificate of Deposit
A CD held within a traditional or Roth IRA wrapper. Combines the federal insurance of a bank deposit with the …
HSA Savings Account
The interest-bearing cash component of a Health Savings Account. Contributions are tax-deductible, growth is t…
Kids Savings Account
A custodial or joint savings account opened for a child. Teaches saving habits while earning interest, often w…
Business Savings Account
A deposit account held in a business entity's name, carrying FDIC insurance separate from the owner's personal…
Brokerage Cash Sweep
The default rate applied to uninvested cash sitting in a brokerage account. Most brokerages default to extreme…
How to Use This Directory
Each product page maps the account type across six bank categories (big-four, regional, online-only, credit union, fintech neobank, and brokerage bank) and six depositor profiles (emergency fund builder, college saver, retiree, small business owner, high-net-worth, and recent immigrant).
Rates shown carry an “as of” date from our weekly editorial survey. Rates change daily — always verify on the institution’s own site before depositing. FDIC coverage at fdic.gov. NCUA coverage at ncua.gov.
If you are not sure which product fits your situation, use the product finder — three inputs (cash amount, time horizon, profile) and we narrow the field.