Thanks to 's referral, once you open your Market Savings program, $3,000 in equivalent portfolio investments will be added to your account.

Finally, an account
where your money
can grow‡

Your secure bank deposits are with Webster Bank,
N.A., Member FDIC.†

Get Started

Market Savings

1-year term

5.74% Average annual returns reflect the most recent deposit rates and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment of one (1) year or greater are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate

Market Savings

2-year term

5.79% Average annual returns reflect the most recent deposit rates and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment of one (1) year or greater are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate

Market Savings

5-year term

9.36% Average annual returns reflect the most recent deposit rates and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment of one (1) year or greater are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate
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OUR NEW APPROACH TO SAVINGS TECHNOLOGY OPENS UP NEW POSSIBILITIES.

How Market Savings gives your money a smarter way to grow

Your account is powered by Save — our new approach to savings technology.
Save combines the safety of bank deposits with the growth potential of the market.

1

Your deposit is placed in an
FDIC-insured partner bank
account.†

2

Save will make an investment on your behalf in your selected portfolio. Your deposit is not invested.

3

You will receive the upside of
a diversified portfolio of
stocks, bonds, and other
assets.

Grow your savings with the upside potential of market returns combined with the safety of FDIC insurance†

Most savings accounts return less than 2% Source: National Rates and Rate Caps per year. If you want to grow your wealth, you can always invest in the market. But that puts your hard-earned savings at risk.

So how can you get more from your savings without risking them in the market?

By replacing traditional savings account interest with investments, Market Savings combines the security of FDIC-insured bank deposits with the upside potential of market returns. So your savings get a chance to truly grow — without risking your deposit.

Market Savings

High-Yield Savings CDs No-Penalty CDs

Market Savings

1-year term

5.74% Average annual returns reflect the most recent deposit rates and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment of one (1) year or greater are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate

Average Annual Return

Market Savings

2-year term

5.79% Average annual returns reflect the most recent deposit rates and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment of one (1) year or greater are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate

Average Annual Return

Market Savings

5-year term

9.36% Average annual returns reflect the most recent deposit rates and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment of one (1) year or greater are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate

Average Annual Return

Limelight Bank

2.90% APY

Marcus by Goldman Sachs

3.00% APY

Capital One

3.25% APY

Bask Bank

2.20% APY

TAB Bank

2.16% APY

BrioDirect

2.15% APY

CIT Bank

11-month CD 2.15% APY

Ally Bank

11-month CD 2.00% APY

Synchrony Bank

11-month CD 2.00% APY
Learn Chart Details

There are more ways to earn with Save

Expand your earning potential with referrals
and Wealth Card spending.

Save Wealth Card +
Referral rewards

Earn average yield of 5.77% Average annual returns are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. Minimum return will always be at least 0%. The return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see Hypothetical Back-testing."

on all purchases in all categories.

Get $3,000

in equivalent portfolio investments††
for each friend you refer to Market Savings.

Get Started

FAQ

  • What is the difference between Market Savings and a traditional savings account?

    The below provides a general overview of how Market Savings is different from a traditional savings account. Terms and conditions for traditional savings accounts may differ depending on provider.

    Market Savings
    		Traditional Savings Account
    FDIC Insured†
    Yes, up to the maximum allowed by law
    		Yes, up to the maximum allowed by law
    Term
    Limited. Maximum 5-year investment term.
    		No defined term
    Minimum deposit
    $1,000
    		$0
    Guaranteed rates
    No
    		No
    Average annual return/APY
    Varies, but typically higher than traditional savings accounts
    		Varies, but typically lower than Market Savings accounts
    Source of average annual return/APY
    Market investments
    		Decision by bank
    Taxes
    Long-term capital gains tax on any positive returns
    		Income tax on positive returns
    Liquidity
    You may withdraw at any time, subject to advisory fees and account costs
    		You may withdraw at any time, typically with no costs

  • Will I be charged any fees?

    Save only charges a fee when you get returns. When you do get returns, the management fee is 0.35%. (If your returns are less than 0.35%, there’s no fee.) There are no other fees such as set-up fees or monthly fees.

  • Can I withdraw my money at any time?

    Yes. If you need to withdraw your funds, you can do so by logging into your account online or in the mobile app. You can also request help by emailing us at support@joinsave.com or chatting with us through your app. Note that you may forfeit any potential returns you've received on your account by withdrawing your funds early.

  • I want to know more about the investments. How do they work?

    The investments go into a portfolio managed by our team of industry-leading experts. Learn more about investments.

  • Is there a limit on how much I can earn?

    Nope! All the investment returns (minus our fee) are yours to keep — no matter how big they are.

  • Is there a minimum deposit amount?

    The minimum deposit amount is $1,000 and the maximum is currently $250,000 to ensure FDIC insurance coverage.

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