The Highest Yield Savings Accounts are Now Found on the Internet
With the average national interest rate on savings at .85%, individuals are wondering where they can find a higher yield savings account inorder to park their money. The truth is, you can find it on the web by looking for an internet bank that doesn't have a walk in premise.
Once upon a time savers had to scour newspapers for local bank ads to find the highest paying CDs, money market rates, and interest plus checking account deals. That time is no more because the internet has revolutionized your ability to find the best bank rates online, and the reach extends nationwide. You can live in California and find a bank headquarted in Arizona that offers online accounts and better rates, so geography is no longer a barrier. Simply open up the account online.
Online savings banks can offer better rates because they don't have the overhead brick and mortar costs that most banks do. Internet banking has cut the cost of premises, staff and other overhead costs so that savings can be passed on to you. Without a walk in premise, they save on staff, insurance, overhead and all sorts of other expensive niceties.
The good part is, because the bank savings account is automated you have 24/7 access to your bank statements, customer service representatives through chat and e-mail, and some of the highest interest rates on a savings account you’ll find. If you just want to park your money for high yield, find an interent bank with a SAFE rating and open up an accountand remember the guarantees offered by the FDIC. Don't open up an account overseas that doesn't have such a guarantee.
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