Cheesy Good Savings

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3 Best Online Savings Accounts

Savings accounts aren't typically very fun. On that note, here are some legal disclaimers. First, let's get our learn on. APR is the annual rate of interest. APR's are typically associated with non-interest bearing accounts. When APY is used, the effects of compounding interest are added in. APY's are going to be based on a variable rate that is subject to change through any given year. Rates are valid as of the date listed. Second, savings accounts are FDIC insured. That means your money is insured up to a specified amount in the event your bank becomes insolvent. You can learn more here. Whew. Done. 

Synchrony High Yield Savings Account


  • 1.30% APY as of 11/15/2017
  • High interest savings rates that go well beyond the national average
  • Peace of mind through FDIC Insurance
  • No minimum balance or monthly service fee
  • Easy withdrawals online, by phone or ATM card
  • 24/7 online savings account management
  • Terms Apply

GS Bank Savings


  • 1.30% APY as of 11/15/217
  • No minimum deposit to open
  • Maximum customer deposit limits apply
  • No transaction fees
  • Interest compounded daily, paid monthly
  • Rate is variable and may change after the Account is opened
  • Six withdrawal limit per statement cycle
  • FDIC insurance up to the maximum allowed by law
  • Terms Apply

Barclays Online Savings


  • 1.30% APY as of 11/15/2017
  • Secure, 24/7 online access to your funds
  • Online transfers to and from other banks
  • Direct deposit to make saving simple and easy
  • Terms Apply

Additional Savings Accounts

Sometimes the highest APY might not be the best answer for you. Have you ever had Bacardi 151? Sure it'll get you where you want to go fast, but the fastest path isn't always the most convenient. Pick the bank that's going to get you where you want to go at your speed. Here are some additional savings accounts that might be more your speed.

American Express Personal Savings


  • 1.25% APY as of 11/15/2017
  • No Monthly Fees, No Minimums
  • Links Easily with your Current Bank Accounts
  • 24/7 Account Access
  • FDIC Insured
  • Terms Apply

Ally Online Savings Account


  • 1.25% APY as of 11/15/17
  • No monthly maintenance fees
  • Earn a higher rate than most savings accounts
  • Deposit checks remotely with Ally eCheck Deposit
  • Grow your money faster with interest compounded daily
  • Six transactions limit per statement cycle
  • Your deposits are insured by the FDIC up to the maximum allowed by law.

Discover Savings Account


  • 1.20% APY as of 11/15/2017
  • No monthly fees for maintenance
  • No monthly balance requirements
  • Terms Apply

FNBO Online Savings


  • 1.15% APY as of 11/15/2017
  • No monthly fees or minimum balance requirements and you can open an account with as little as a $1
  • Get access to your money anytime and save with the confidence of
    superior online security. Plus, with easy transfer options, send money to and from your accounts easily

Capital One 360 Savings


  • 0.75 APY as of 11/15/17
  • No fees
  • No minimum balance
  • Open multiple accounts and name them. Then track your goals or put everything on autopilot with our automatic savings plan.
  • Terms Apply.

Aspiration Checking Account


  • 0.25% APY* on balances up to $2,499.99, 1.00% APY* on the entirety of balances of $2,500 or more as of 9/27/2017
  • Aspiration is not a savings account, but a checking account that offers a competitive APY on balances, giving it a spot on TPJ's savings list.
  • No monthly service fees.
  • FDIC insured
  • $0 monthly balance required
  • Terms Apply

USAA Savings Account


  • Rates from 0.05% - 0.15% APY. Rates valid as of 11/15/2017
  • Open with as little as $25
  • No monthly service fess, regardless of your balance
  • Use USAA Money Manager to create a spending plan and see all your accounts in one place — even eligible non-USAA accounts
  • Eligibility limited to those who serve and their eligible family members.
  • Terms Apply