Navigation Menu

Grandpa sitting on couch holding a tablet with grandson looking over
Grandpa sitting on couch holding a tablet with grandson looking over

Santander savings options

From college to retirement, we all have goals we're saving towards. Our interest-bearing CDs, money market savings, and savings accounts are fit for your short- and long-term goals. Let us help you get started.

Santander Select® Money Market Savings

Enjoy better rates and benefits with your Santander Select relationship*. Exclusively available to Santander Select® Checking account holders.

Certificates of Deposit

If you don’t plan on tapping into your savings, then start earning interest on a fixed term with a guaranteed rate.

Santander® Savings

Discover an easy way to start growing your savings and the perfect partner to your Santander checking account.

Santander® Money Market Savings

Grow your money faster, whether you’re saving for a rainy day or a nice vacation, with higher rates on higher balances.

Looking for an elevated banking experience with unique privilegesCredit Card and exclusive rates and benefits? Explore Santander® Private Client

Compare Santander Savings Accounts

Filter Products
Monthly Fee
How to waive the Monthly Fee
Must own a Santander Select® Checking account in order to open.
Waived with any personal Santander® checking account or with a $10,000 average daily balance in the Santander® Money Market Savings account.
Waived with any personal Santander® checking account or with a $100 average daily balance in the Santander® Savings account. Additionally, the Monthly Fee is waived if any owner on the account is under age 26.
Interest earning?
Yes – Competitive rates  
Yes – Competitive rates 
Minimum opening deposit
ATM withdrawal fee§ (domestic non-Santander ATM)


$0 if any owner on the account is under 26 years of age.

Free Paperless Statements?
Paper Statement Fee
Mobile Banking and Online Banking?
Open account comparison
Father crossing the street carrying a baby while holding groceries and his young daughter's hand as she skips

Helping you save every step of the way

Our handy tools and services can help you understand when and how to reach your goals faster.

Piggy bank icon Tools & Services

Auto Save to make recurring transfers from checking to savings

Direct Deposit to split your deposit between checking and savings

Set up alerts to manage your progress and stay on track

Mobile check deposit to easily make check deposits at your convenience
Calculator icon Calculators

Interest calculator: How much will my savings be worth?

Savings goal calculator: How can I reach my goals with monthly deposits?

Bank anywhere, anytime

Manage your account whenever and wherever you want with our Mobile Banking App.

Download our
Mobile Banking App

Unlock on-the-go features with our highly-rated Mobile Banking App.

Responsive Image
4.7 out of 5 Rating. Based on 354k ratings on the app store as of 5/16/2024.

Scan QR code to open app.   qr icon

Enroll in Santander
Online Banking

Manage your money securely by enrolling in Online Banking.

Image of smartphone showing Santander mobile app
Calendar image

Book an appointment at a branch near you

Talk to one of our experienced Bankers about opening a new account or get help with your existing accounts.
Banker smiling at customer going over finances.

FAQs: Savings

All savings accounts can be opened in a Santander Bank branch and the Santander® Savings account can be opened online. Santander® Money Market Savings, Santander Select® Money Market Savings, and Santander® Private Client Money Market Savings accounts can only be opened online in conjunction with an online checking account opening. Certificates of Deposit and Individual Retirement Accounts can only be opened in branch. To open an account, you will need:

  • Your Social Security number
  • A government-issued ID
  • Funds for an opening deposit
  • A valid email address

Support resources: Savings options

We’ll guide you on your financial journey.

Overhead illustration of a man sitting at his desk reviewing his finances using the Santander Mobile Banking App

How much could my savings be worth?

See how your deposits can contribute to greater savings over time.

Read more

Emergency savings

Are you prepared for an emergency? Discover the importance of emergency savings to your financial future.

Read more

Money market vs. savings

Learn about the differences between a money market savings account and a savings account to see which one is right for you.

Read more

Find Us
Branches across the Northeast and in Miami, Florida, plus 2,000+ ATMs.

Are you a Santander Client

Log in to Online Banking for a more seamless experience.

*Rates are available for new money market customers only. This is a variable-rate account and the rate applicable to your balance tier may change at any time without notice. Rate is available when account is opened within the residential ZIP code entered. Rates in other locations may vary. Fees may reduce earnings. A minimum deposit of $25 is required to open a Santander Select® Money Market Savings account. Personal accounts only. Must have or open a Santander Select® Checking account. All other fees apply. For more information about applicable fees and terms, refer to the Personal Deposit Account Fee Schedule or visit your local branch.

Check with the IRS or a tax professional. Santander does not offer tax advice.

‡Per service fee period.

§Domestic ATMs are ATMs in the 50 United States, the District of Columbia, and Puerto Rico. ATM owner may charge a separate fee.

Apple, the Apple logo, Apple Pay and Touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.