Slow clap. You’ve actually managed to sock away some serious moolah for your emergency savings/trip to Paris. (Either/or.) But whatever your long-term goal may be, keep in mind: Your everyday bank might actually not be the best place to store your funds. Here, four of the best high-interest savings banks, according to your needs.

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ally bank savings
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Ally Online Savings

Yep, this online-only bank (we repeat, there are no brick-and-mortar locations) makes up for its lack of physical branches by offering a 1.15 percent annual percentage yield (APY). So say you have $10,000 in savings; you’ll earn approximately $115 on that amount over the course of 365 days. There’s also no monthly fee or minimum balance required and you have access to 24/7 chat support.

capital one savings

Capital One 360 Savings

Not only does this online offshoot of Capital One offer a decent APY (0.75 percent), it also gives you the option to walk into a physical branch—at least in some states. There’s of course phone and online support, too, but it’s nice to know that you can talk to a teller or hit up an ATM if you need to. Another feature we love: the option to open up to 25 different sub-accounts under the same high-interest plan—super useful if you’re trying to earmark funds for different goals. (There are no monthly fees or minimum balance required.)

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barclays savings
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Barclays Savings

The APY is stellar (1.15 percent), but combine that with the fact that there’s no monthly fee or minimum balance requirement, and this no-frills bank is a top pick to trust with your cash.

synchrony savings
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Synchrony High Yield Savings

Not only is the interest rate high (the APY is 1.15 percent), this online bank incentivizes savings by offering discounts on car rentals, hotels, spas—just for setting aside more cash. (Note: A balance of $10,000 or more is required to access perks.)

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