Looking for a higher return rate than Marcus, Discover, Ally and Capital One?

We use two accounts — an FDIC-insured savings account with Webster Bank, N.A., Member FDIC^³. and a separate investment account with Apex Clearing Corporation.

The financial professionals at Save work with our partners to fund investments in your selected portfolio of stocks, bonds, real estate and other asset classes accessed via ETFs. The investments then mature based on the term you choose.

At the end of your term, you get your initial deposit back, plus any returns generated by your portfolio, minus our fee, if applicable.

The market investments are allocated to a portfolio managed by our team of financial professionals. Learn More About Investments.

No. The Market Savings APY* is linked to an investment return. Just like any investment account, your returns are based on market fluctuation. The APY* presented is based on historical performance in the S&P 500 Risk-Controlled portfolio from 2009 to present with the understanding that in certain years the portfolio may have outperformed the APY,* and in other years it may have underperformed the APY* and even potentially returned 0%.

The big difference in Save is that your principal isn’t at risk because your deposit is put in an FDIC-insured account^³ with our partners at Webster Bank, N.A., Member FDIC. Your Market Savings deposit is not encumbered, collateralized, or put at risk. Save does not utilize your deposit for anything else aside from placing it with Webster Bank, N.A., Member FDIC, to ensure capital protection.^³ Independently of your deposit, Save will make an investment on your behalf based on your portfolio allocation. When you open your account with Save, you’ll use the Recommendation Tool to choose the best portfolio. Plus, we never take a fee if you don’t earn a return. You can find out more information on our Legal page.

You can see our Market Savings investment program actual returns and account level returns on https://joinsave.com/market-savings-actual-returns.

After you make a deposit, Save’s investment team works with our partners to fund investments in your selected portfolio of stocks, bonds, real estate and other asset classes accessed via ETFs. Your returns could be higher or lower than expected depending on the performance of the portfolio, but they can never be lower than zero (if the portfolio goes down during your term, you will simply receive your original deposit back). In other words, your APY* comes from the performance of those investments — and if they perform really well, it goes up!

Save® only charges a fee when you get returns. If your returns do not exceed the management fee, the management fee is waived. There are no other fees such as set-up fees or monthly fees. More info on fees in Form ADV.

The answer to that question actually depends on your portfolio. During a bad year, you may earn a lower than average APY* — but, because our portfolios are dynamic, meaning that they respond to market conditions — that’s not always the case. The best way to stay on top of your APY* is by logging into your account.

The simple answer is yes. Because your APY^* is based on market-generated returns, if your investments perform really well, you can earn a higher APY than shown.

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.

We are proud to present Webster Bank, N.A., Member FDIC, as our partner in sponsoring your Save® Market Savings. The FDIC-insured deposit account portion^³ of the Market Savings product and service is provided by Webster Bank, N.A., Member FDIC. Customer funds provided will be deposited into non-interest-bearing accounts at Webster Bank, N.A. The investment portion of the Market Savings product and service is provided by Save® . Save Advisers, LLC, nor its investment affiliates, are a bank. 

Webster Bank, N.A., Member FDIC, is a leading commercial bank in the Northeast that provides a wide range of digital and traditional financial solutions across three differentiated lines of business: Commercial Banking, Consumer Banking, and its HSA Bank division, one of the country's largest providers of employee benefits solutions. Headquartered in Stamford, CT, Webster is a values-driven organization with over $70 billion in assets. Its core footprint spans the northeastern U.S. from New York to Massachusetts, with certain businesses operating in extended geographies. Webster Bank, N.A., Member FDIC, is a member of the FDIC and an equal housing lender. For additional information on Webster Bank, N.A., Member FDIC, you may review our Terms and Conditions or visit their website.

Yes! You can start a live chat or leave us a message and someone will get back to you asap.