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A rate that's 11X better than the national average1

With current rates that are among the top in the nation, Barclays gives you one of the best savings accounts for helping your money grow. These aren't promotional rates. It's our goal to consistently provide you with one of the best rates nationally. Plus, our bank account comes with the following benefits:

  • No hidden fees
  • No minimum balances to open
  • No need to change banks

Online banking delivers more than a great rate.

With Barclays, a great rate is just the start. You'll also have convenient banking features and versatile access to your funds:

  • Secure, 24/7 access
  • Easy transfers to other banks
  • Simple, scheduled transfers
  • Direct deposit for consistent savings

Better for your money

Safe and secure online banking

Your account is FDIC insured up to the maximum of $250,000 per depositor, per deposit category. Barclays adheres to the highest standards to ensure your account and transactions are completely secure.

Easier for you

Keep your current bank

Opening and maintaining a Barclays account couldn't be easier. You can link directly to any existing US bank account you already have and add or change accounts at any time.

1. National savings rate courtesy of Bankrate.com’s 2012 Passbook & Statement Savings Study, as of 10/23/13, survey is compiled semi-annually April 15 and October 15 of current year.

2. Barclays Online Savings Annual Percentage Yield (APY) is valid as of

 

. No minimum opening balance or deposit required to open. Fees could reduce the earnings on the account. Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0.01.

3. Anything calculated or described in connection with calculator is for illustrative purposes only. The interest and APY earned amount is based on the advertised APY, and assumes that for the entire investment period, that the APY (which is variable) remains constant, principal and interest remain on deposit and there are not deposits or withdrawals. Interest is compounded daily and credited monthly.

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Have a goal you're trying to reach?

Map and follow your progress with our goal tracker.3

Our goal tracker will help you set a savings plan so you can reach your dream faster. Just answer a few questions and we'll show you when you will reach your goal.

What are you saving for?
How much do you want to save?
How much can you put into your account to start?
Initial amount: $
How much can you contribute each month?
Monthly contribution: $

Anything calculated or described in connection with Goal Tracker is for illustrative purposes only. The interest and APY earned amount is based on the advertised APY, and assumes that for the entire investment period, that the APY (which is variable) remains constant, principal and interest remain on deposit and there are not deposits or withdrawals. Interest is compounded daily and credited monthly.

Calculate

You'll reach your goal in:

Your goal:

  • You want to save
  • Your initial deposit was
  • Your monthly contribution is

Remember, you can earn bonuses and get closer to your goals with smart saving choices.

Your goal:

  • You want to save$-
  • Your initial deposit was$-
  • Your monthly contribution is$-

You'll reach your goal in:

-

Your goal: -

  • You want to save$-
  • Your initial deposit was$-
  • Your monthly contribution is$-

You'll reach your goal in:

-

Your goal:

  • You want to save$-
  • Your initial deposit was$-
  • Your monthly contribution is$-

You'll reach your goal in:

-

Dream Big. Save Big.

Dreams are nice – but turning them into reality is even better. And with Barclays Dream Account, you can. The Dream Account is a savings account that has all the award-winning benefits of our Online Savings Account – including an Annual Percentage Yield (APY) that’s currently 11X1 more than the national average, no hidden fees and no minimum balance to open. So what makes the Dream Account different? It’s specifically designed to reward you for smart savings choices, like making consecutive monthly deposits and not withdrawing funds for a period of time. So dream big, save up – and reap the rewards.

Here's how it works:

  • Deposit up to a maximum of $1,000 of savings each month into your account.
  • Every time you make consecutive deposits for six months, we’ll give you a 2.5% bonus on the total interest you earned over that time.4
  • Make no withdrawals for six consecutive months and earn another 2.5% bonus on the past six months of interest earned.4
  • Smart savings decisions can earn you one or both bonuses, getting you closer to your dream.

Saving up the easy way

The Dream Account makes it simple to manage your funds, so you can spend more time dreaming.

  • Secure 24/7 access
  • Easy transfers to and from other banks
  • Multiple convenient ways to make deposits

1. National savings rate courtesy of Bankrate.com’s 2013 Passbook & Statement Savings Study, as of 10/23/13, survey is compiled semi-annually April 15 and October 15 of current year.

2. Barclays Dream Account (online savings) Annual Percentage Yield (APY). APY is valid as of

 

. No minimum opening balance or deposit required to open. Fees could reduce the earnings on the account. Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0.01.

3. Anything calculated or described in connection with goal tracker is for illustrative purposes only. The interest and APY earned amount is based on the advertised APY, and assumes that for the entire investment period, that the APY (which is variable) remains constant, principal and interest remain on deposit and there are not deposits or withdrawals. Interest is compounded daily and credited monthly.

4. A bonus of 2.5% will be applied to interest accrued and paid in the previous six(6) months if six(6) consecutive monthly deposits are made to the account in the amount of $1,000 or less. A bonus of 2.5% will be applied to interest accrued and paid in the previous six(6) months, if there are no withdrawals from the account in any of the previous six(6) months. Bonuses will be paid to the account at the end of the month which the applicable conditions have been met.

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When a guaranteed interest rate is better for your money

An Online CD from Barclays gives you the assurance of a fixed rate of return to help you meet your savings goals. And because it is insured up to the FDIC maximum, you can sleep easy knowing your money is secure. You also get the advantages of:

  • Some of the best CD rates in the nation
  • Daily compounding of interest for maximum savings
  • No minimum balance to open
  • No hidden monthly maintenance fees

A full range of CD rates and terms to fit your savings goals

Barclays Online CDs are available in a full range of terms and interest rates to suit your personal savings goals. To compare available terms and rates, select a term in the CD calculator. You can choose a single CD or a combination of CDs with different terms to maximize your savings.

Our CD rates

Term Interest rate APY

Better for your money

Safe and secure online banking

Your Barclays CD is FDIC insured up to the maximum of $US 250,000 per depositor, per deposit category. Barclays adheres to the highest standards to ensure your account and transactions are completely secure.

Easier for you

Barclays Online CD

Opening a Barclays Online CD couldn't be easier. It takes only minutes, and you can fund your CD with a simple electronic transfer from any of your existing accounts.

1. Barclays Online CD Annual Percentage Yield (APY) for the CD term(s) mentioned above is valid as of

 

. No minimum opening balance or deposit required to open. Fees could reduce earning on the account. Rates may change at any time without prior notice, before or after the account is opened. In order to maintain an account funding must occur within 7 days of account opening. For interest to post to your account you must maintain a minimum balance that would earn you at least $0.01. A penalty may be charged for early withdrawal.

2. Anything calculated or described in connection with calculator is for illustrative purposes only. The interest and APY earned amount is based on the advertised APY, and assumes that for the entire investment period, that the APY (which is variable) remains constant, principal and interest remain on deposit and there are not deposits or withdrawals. Interest is compounded daily and credited monthly.

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Barclays Online Banking: better for your money and easier to choose

Barclays Online Banking customers enjoy some of the best rates. Need to keep your money available? Choose our high rate Online Savings account. Don’t need immediate access to your funds? Choose one of our CDs with terms from 3 to 60 months. Whatever your choice, every Barclays savings product is:

  • FDIC insured up to the maximum of $250,000 per depositor, per deposit category
  • Free of hidden fees
  • Easy to open in a matter of minutes

Our high-rate commitment

We work hard to deliver savings rates that are among the top rates in the nation. Use the calculator to see what your money could earn with Barclays.

Our rates

Product Interest
rate
APY

Industry-leading savings rates (APYs)

1. National savings rate courtesy of Bankrate.com’s 2013 Passbook & Statement Savings Study, as of 10/23/13, survey is compiled semi-annually April 15 and October 15 of current year.

2. Barclays Online Savings Annual Percentage Yield (APY) is valid as of

 

. No minimum opening balance or deposit required to open. Fees could reduce the earnings on the account. Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0.01.

3. Barclays Dream Account (online savings) Annual Percentage Yield (APY). APY is valid as of

 

. No minimum opening balance or deposit required to open. Fees could reduce the earnings on the account. Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0.01.

4. Barclays Online CD Annual Percentage Yield (APY) for the CD term(s) mentioned above is valid as of

 

. No minimum opening balance or deposit required to open. Fees could reduce earnings on the account.  Rates may change at any time without prior notice, before or after the accounts is opened. In order to maintain an account funding must occur within 7 days of account opening. For interest to post to your account you must maintain a minimum balance that would earn you at least $0.01. A penalty may be charged for early withdrawal.

5. Anything calculated or described in connection with calculator is for illustrative purposes only. The interest and APY earned amount is based on the advertised APY, and assumes that for the entire investment period, that the APY (which is variable) remains constant, principal and interest remain on deposit and there are not deposits or withdrawals. Interest is compounded daily and credited monthly.

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Give Kids a Savings Head Start

Teach kids to be savvy savers by opening a Barclays Online Savings Account or a Barclays Dream Account in their name. You will be the qualified joint account holder, with full account access – but kids will have the opportunity to participate in the process and experience the excitement of saving. By sharing with them the joy of reaching a savings goal, you’ll be starting them on a bright financial path.

Here's how it works:

  • Any US Resident under the age of 18 can open an account with a qualified joint account holder—be it parents,  relatives or a family friend.
  • As joint account holder, you’ll have full access to the account and be the only person authorized to make withdrawals.
  • Kids can set up their own user IDs and passwords, make deposits and view their account online.
  • An educational goal-tracking tool and calculator lets kids see the impact of smart saving choices.

Online banking that grows
with you

With a Barclays Online Savings Account or Dream Account, you and the kids can easily manage funds anytime.

  • Secure 24/7 access
  • Easy transfers to and from other banks
  • Direct deposit to help kids save