Barclays offers extremely high-interest rates. Their rates are higher than other banks and even other online banks. Their high yield savings account and CDs earn great interest rates. Even their short-term CDs earn higher interest rates than most other banks.

Barclays offers a Savings Assistant tool. First, input your goal. Next, decide how much you want to save and how much you have saved already. Finally, decide how much you can contribute to the account each month. With one click, the Savings Assistant tells you how long it will take you to reach your goal.

There is not a set amount to open a savings or CD account with Barclays. Their accounts do not have monthly maintenance fees. There is also not a set amount you are required to keep in the different accounts.

You have the choice of how to receive the money earned on interest. You can choose to have the money kept in the CD or transferred into your Barclays savings account. You can choose to have the money transferred to a verified external account. To set up different interest options log in to your account.

Barclays only offers one high yield savings account and CDs. They do not offer a checking account. Barclays used to offer accounts for minors but stopped in June of 2017. Even though they only offer one savings account, you can open up to 25 different accounts if needed.

Your money is not available immediately. Transfers into your Barclays account take five business days. Electronic transfers from your Barclays account to your external account take 2-3 business days. Money transferred between Barclays accounts are immediate.

There isn’t an app for the Online Savings account and the CD accounts. You can access your accounts and do whatever you need to do online, but not through an app.

Customer service is not available all the time. You can reach customer service through the mail or by the phone. They are open seven days a week from 8 a.m. to 8 p.m. ET.

Read the full Barclays review.

There are a variety of accounts available from GTE Financial. They offer personal savings, checking, and money market accounts. They offer personal CDs, loans, and credit cards. They also offer business accounts and accounts specifically for students.

GTE offers CDs and a checking account with competitive interest rates. The rates are competitive with online accounts. These account interest rates are much higher than typical bank rates. To earn the most competitive rate on the checking account, you must meet set requirements. That includes receiving eStatements, having a direct deposit over $500, and 15 debit card transactions each month.

GTE accounts have low amounts required to open. The savings accounts only require $5 to open. To earn interest requires $100. Each of the CD terms require $500 to open. The checking accounts do not have a required amount to open.

GTE Financial CDs offer an Add-On Feature. This allows you to add money any time during the CD term. You must add at least $20 each time you add money to the CD. Sometimes there is a limit of $6,000 you can add to the CD. GTE Financial offers promotions where there is not a cap on the amount you can add to the CD.

Before you can open an account with GTE Financial, you must first become a member of the credit union. You are eligible to join if a family member is a member of the credit union or if you work for a specific company. Your business can join, and living in certain areas makes you eligible to join. If these don’t work, you can join CU Savers, a non-profit educational financial club. There is a one-time $10 fee to become a member.

GTE Financial has daily withdrawal limits. You can withdraw up to $500 per 24-hour period from an ATM. There is a $5,000 limit that you can transfer from another bank into a GTE Financial CD.

The money market account with GTE Financial has tiered interest rates. To earn the most competitive rate on your money requires a balance of $100,000. Balances below this amount earn interest, just not the most competitive rate.

Most GTE Financial accounts have monthly maintenance fees. The checking account fees range from $4.95 to $9.95 each month. The Go Premium checking account has a fee of $4.95. There is no way to waive this fee. You can pay the fee with Go Points, but you cannot waive the monthly fee. There are ways to waive the other checking account fees.

Read the full GTE Financial review.