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Consider online savings accounts

Finding a decent interest rate for your savings is getting tougher and tougher to come by these days. One good place to look is online.

Online banking has come a long ways in the past couple of years. Improvements in both security and functionality have made online savings accounts a viable choice for many savers.

And with lower overhead costs to maintain online accounts, many banks are able to offer more generous interest rates for online savings accounts, including money market account, cd’s, and, of course, traditional savings accounts.

Quick tips on finding an online savings account

  • Make sure that the banking insitution is FDIC insured
  • Ensure that the banking site makes use of the latest in security features to secure your data and transactions.
  • Find out if there are any minimum balance requirements to qualify for the highest interest rates
  • Be aware of any monthly restrictions on withdrawals or other transactions.

Recommended reading: Five things to know about online savings accounts

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