Learn Which Savings Accounts Earn the Most (and Least) Interest
Looking to secure the best interest rates for your savings or maximize income through annuities? The Annuity Expert offers a free comparison of top interest rates from banks, credit unions, and insurance companies to help you get the most out of your money. With our extensive network, we provide access to the largest selection of annuity products in the United States. Our advisors are ready to guide you in finding an affordable, high-yield plan that’s worth it, tailored to your needs.
| Account Type | Bank | APY |
|---|---|---|
| Savings Account | Oregon Community Credit Union | 5.25% |
| Money Market Account | Redwood Credit Union | 4.15% |
| Certificate of Deposit | A+ Federal Credit Union | 5.00% |
| Fixed Annuity | Wichita National | 6.40% |
Explore Our Live Rate Marketplaces
To help you find the exact yield and liquidity structure you need, we track and update daily interest rates across the four primary guaranteed growth categories. Select an account type below to compare today’s top-performing institutions:
- Fixed Annuity Rates (MYGAs): Our highest-yielding guaranteed category. Lock in multi-year compound interest rates that consistently outpace bank CDs, backed by A-rated insurance carriers with tax-deferred growth.
- Certificate of Deposit (CD) Rates: Compare FDIC-insured term certificates from national banks and credit unions for short-term and medium-term savings horizons.
- High-Yield Savings Account Rates: Maximize your liquid emergency fund. Compare bank savings accounts offering variable APYs that yield significantly higher returns than traditional brick-and-mortar banks.
- Money Market Account Rates: Get the high-interest yields of a savings account combined with the check-writing and debit card flexibility of a checking account.
Other Tax-Advantaged & Retirement Rate Options
If you are investing through workplace retirement plans or specialized accounts, you can also explore yield strategies for Traditional & Roth IRAs, 401(k) rollovers, 403(b) plans, 457(b) government plans, and Thrift Savings Plans (TSP).
Reasons to Compare Interest Rates:
- Maximize Your Earnings: Higher interest rates mean greater growth potential for your savings and investment accounts.
- Optimize Cash Efficiency: Secure more value from each dollar saved, ensuring your principal balances earn maximum yields without adding market risk.
- Flexibility to Contribute Over Time: Choose products that let you add to your savings consistently and grow at a competitive rate.
- Transfer or Rollover Opportunities: Compare options to roll over or transfer from retirement accounts without hassle.
- Best Rates and Payouts: Get guaranteed high-interest rates and income payouts that are unmatched.
Application Process – Step-by-Step:
- Book a Call: Schedule a time with our advisors to discuss your goals and compare rate options.
- Receive a Personalized Comparison: We’ll present interest rate comparisons from trusted banks, credit unions, and insurance companies tailored to your preferences.
- Choose the Right Product: Select the financial vehicle featuring the highest payouts, best interest rates, or optimal liquidity structures.
- Easy Application and Account Setup: Complete the application process online with guided support from our brokers.
- Finalize and Start Saving: Confirm your plan and start contributing over time or with a lump sum.
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Questions From Our Readers
What bank has the highest interest rate?
Currently, A+ Federal Credit Union is offering a 12-month certificate of deposit at 5.00% APY up to $1,000.00.
Where can I find a bank or credit union with high CD interest rates?
Are money market accounts FDIC insured?
Yes, money market accounts offered by banks are FDIC insured up to $250,000 per depositor, per institution. This insurance protects your money in case the bank fails. However, money market funds, which are different from money market accounts, are not FDIC-insured.