Where Can You Earn An Online Master’s In Real Estate In 2023?

 Where Can You Earn An Online Master’s In Real Estate In 2023? a

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. With the recent proliferation of shows like Selling Sunset, the world has come to perceive real estate as a glitzy, glamorous and luxurious field. The nitty-gritty of day-to-day life in the real estate industry doesn’t always match that narrative; however, real estate is still an enticing field to many, offering strong earning potential and upward mobility. While many real estate professionals do not earn advanced degrees, an online master’s in real estate can help you stand out from your peers and qualify for managerial roles in the field. Read on to learn about two accredited, nonprofit U.S. universities offering online real estate master’s degrees, and learn how to decide if this degree path is the right fit for you. Why You Can Trust Forbes Advisor Education The Forbes Advisor Education team is committed to bringing our readers unbiased rankings and trustworthy, informative articles covering higher learning https://www.highcpmrevenuegate.com/cc1nk9t2d?key=779b3bd44d546e4de89107a2bb4aff5einstitutions, individual degree programs, bootcamps, professional credentials and various career paths. Our team sources data from the National Center for Education Statistics and the U.S. Bureau of Labor Statistics. We also pull information from reputable professional organizations and education providers’ direct websites.https://www.highcpmrevenuegate.com/cc1nk9t2d?key=779b3bd44d546e4de89107a2bb4aff5e Our rankings use a strict methodology to determine the best schools, programs or bootcamps for each category. Moreover, an expert advisory board of experienced professionals and educators reviews and verifies Forbes Advisor Education content to ensure accuracy and completeness. Online Master’s in Real Estate Degree Options Georgetown University Florida International University Georgetown University Located in Washington, D.C., Georgetown University‘s School of Continuing Studies offers an online master’s degree in real estate that many students complete in two years, although part-time learners may take up to five years to graduate. The program strives for maximum flexibility, delivering all coursework asynchronously. As they work through the 33-credit curriculum, online students can virtually attend networking events and professional development seminars. Applying to the program is free if students submit all materials by the priority deadline. Tuition costs $1,573 per credit. What To Know School Type: Private Application Fee: Free Degree Credit Requirements: 33 credits Program Enrollment Options: Full time, part time Notable Majhttps://www.highcpmrevenuegate.com/cc1nk9t2d?key=779b3bd44d546e4de89107a2bb4aff5eor-Specific Courses: Sustainable development and construction Concentrations Available: N/A In-Person Requirements: No Florida International University Headquartered near Miami, Florida International University is among the largest universities in the nation—due in part to its large selection of distance learning programs, including a master of science in international real estate. Full-time students can complete the 30-credit program in 10 to 12 months dependhttps://www.highcpmrevenuegate.com/cc1nk9t2d?key=779b3bd44d546e4de89107a2bb4aff5eing on whether they start in the fall or spring semester. The curriculum does not include a capstone or thesis requirement. Applicants can receive a GMAT/GRE waiver if they earn a minimum 3.25 undergraduate GPA in a relevant field like business, architecture, engineering, economics or construction management. Total tuition costs $28,000 for in-state students and $30,000 for out-of-state learners. What To Know School Type: Public Application Fee: $30 Degree Credit Requirements: 30 credits Proghttps://www.highcpmrevenuegate.com/cc1nk9t2d?key=779b3bd44d546e4de89107a2bb4aff5eram Enrollment Options: Full time Notable Major-Specific Courses: Real estate development, real estate finance Concentrations Available: N/A In-Person Requirements: No How To Find the Right Online Master’s in Real Estate for You Consider Your Future Goals Before committing to any online master’s in real estate program, it’s worth asking yourself a few key questions to find your best fit. What are your career goals? A master’s in real estate can help you stand out from the field. According to the National Association of Realtors, as of July 2023, only 12% of realtors held graduate degrees. As such, a master’s degree in real estate isn’t necessary to become a real estate agent, but it can help you differentiate yourself in the eyes of employers. It can also help you advance to a managerial role more quickly. How quickly do you want to enter the workforce? While completion times vary, you should plan on spending at least 12 to 18 months to earn your master’s degree in real estate. In most states, earning a real estate license only takes a few months. If you want to enter the workforce immediately, pursuing licensure might provide a better fit. What’s your plan for getting licensed? If you eventually plan to buy and sell homes, you must first earn real estate licensure in your state. The process takes a few months. Some master’s programs build licensure into the curriculum, which allows you to check that box while also gaining more comprehensive finance and business knowledge provided by these degrees. Understand Your Expenses and Financing Options The two qualifying schools in our ranking of the best online master’s in real estate programs charged between approximately $28,000 and $55,000 in total tuition. For comparison, according to the National Center for Education Statistics, tuition and fees for a two-year master’s program average between approximately $22,000 and $40,000, depending on state residency status and whether a school is public or private. To help fund your education, make sure to submit the Federal Application for Federal Student Aid (FAFSA). The FAFSA is the first step to accessing financial aid opportunities like loans, grants, and work-study programs. You can also seek out scholarships from nonprofit organizations or your chosen school; these providers may also use FAFSA data to determine aid awards. Should You Enroll in an Online Master’s in Real Estate Program? A few key considerations can help you determine whether an online program is the right fit for you. The first factor is your learning style. Online learning generally includes less built-in structure than on-campus learning, so it requires a good bit of discipline, organization and time management. If you like the support and consistency of a peer group and a classroom, you might prefer in-person learning. The second factor is your schedule. If you are a parent or plan to work full time while pursuing your master’s degree, the flexibility of online learning might help you juggle responsibilities. Many online programs allow you to access coursework and lectures at your convenience, allowing you to complete assignments around your schedule. The third factor is your budget. While some online programs require occasional campus visits, distance learning generally eliminates campus-related costs like relocation, housing and transportation. Also, many schools provide in-state or otherwise discounted tuition rates to online students, regardless of where they live. As such, distance learning is often more affordable than on-campus learning. Accreditation for an Online Master’s in Real Estate When you research online master’s in real estate programs, institutional accreditation should be a non-negotiable factor. The U.S. Department of Education and Council for Higher Education Accreditation oversee this process, which ensures the quality of each school’s programs, services and faculty. Enrolling at an institutionally accredited school is the only way you can qualify for federal student aid, and many employers, credentialing bodies and advanced degree programs only recognize diplomas from accredited colleges and universities. Programmatic accreditation, which applies to specific departments and degrees, is not very prevalent in real estate. If you pursue a real estate degree within a business college, however—such as an MBA in real estate—your program or department might hold accreditation from a business-oriented accreditor like the Association to Advance Collegiate Schools of Business. Our Methodology We scored two accredited, nonprofit colleges offering online master’s in real estate degree programs in the U.S. using 16 data points in the categories of credibility, affordability, student outcomes, student experience and application process. We pulled data for these categories from reliable resources such as the Integrated Postsecondary Education Data System; private, third-party data sources; and individual school and program websites. Data is accurate as of January 2023. We scored schools based on the following categories: Student Outcomes: Overall graduation rate Median earnings 10 years after graduation Affordability: In-state graduate student tuition In-state graduate student fees Alternative tuition plans offered Median federal student loan debt Percentage of students in federal student loan deferment Student Experience: Student-to-faculty ratio Socioeconomic diversity Availability of online coursework Total number of graduate assistants More than 50% of graduate students enrolled in at least some distance education Credibility: Fully accredited Programmatic accreditation status Nonprofit status Application Process: We listed the two schools in the U.S. that met our ranking criteria. Find our full list of methodologies here. Frequently Asked Questions (FAQs) About Online Master’s in Real Estate Programs What is the difference between an MSRE and an MSRED? A master of science in real estate, or MSRE, is a more general degree and often includes coursework in finance and asset management. A master of science in real estate development, also called an MSRED, typically focuses on the development aspect of real estate. Is a master's degree in real estate worth it? It depends on your career goals. If you aspire to managerial positions in real estate and want a broader background in finance, a master’s in real estate may be a good fit.

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Where Can You Earn An Online Ph.D. In Special Education In 2023? 

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. Education professionals pursuing leadership roles to change the futuhttps://www.highcpmrevenuegate.com/cc1nk9t2d?key=779b3bd44d546e4de89107a2bb4aff5ehttps://www.highcpmrevenuegate.com/cc1nk9t2d?key=779b3bd44d546e4de89107a2bb4aff5ere of special education should consider earning a doctor of philosophy (Ph.D.) in special education. This terminal graduate degree develops advanced expertise in a particular area of special education. Special education doctoral programs explore educational research methodology, special education law, public policy and pedagogy. Program specializations like administration, autism, applied behavior analysis and university teaching. An online Ph.D. in special education can prepare you to work in university teaching and research, program development, specialist teaching and consulting, or educator preparation and training. Learn where you can earn a Ph.D. in special education online. Why You Can Trust Forbes Advisor Education The Forbes Advisor Education team is committed to bringing our readers unbiased rankings and trustworthy, informative articles covering higher learning institutions, individual degree programs, bootcamps, professional credentials and various career paths. Our team sources data from the National Center for Education Statistics and the U.S. Bureau of Labor Statistics. We also pull information from reputable professional organizations and education providers’ direct websites. Our rankings use a strict methodology to determine the best schools, programs or bootcamps for each category. Moreover, an expert advisory board of experienced professionals and educators reviews and verifies Forbes Advisor Education content thttps://www.highcpmrevenuegate.com/cc1nk9t2d?key=779b3bd44d546e4de89107a2bb4aff5eo ensure accuracy and completeness. Online Ph.D. in Special Education Degree Options Texas Tech University University of Northern Colorado Texas Tech University Texas Tech University in Lubbock, Texas, offers a fully online Ph.D. in special education that prepares students for leadership roles in special education and accepts up to 30 transfer credits. The curriculum explores educational statistics and research, program evaluation in special education and grant writing for special education. Students complete a doctoral internship, a qualifying exam and a 12-credit doctoral dissertation to graduate. The program requires a one-year residency, which in most cases entails enrolling as a full-time student for two consecutive semesters. Applicants need a master’s degree, a résumé, three professional recommendations and an applicant statement. Total tuition costs approximately $2,817 per term for full-time, in-state students; TTU charges an additional distance learning fee of up to $100 per credit. At a Glance School Type: Public Application Fee: $75 Degree Credit Requirements: 90 credits Program Enrollment Options: Part time, full time Notable Major-Specific Courses: Introduction to educational statistics, qualitative research in education Concentrations Available: Assessment/generic special education, applied behavior analysis, autism, deaf/hard of hearing, deaf/blind, orientation and mobility, visual impairment In-Person Requirements: No University of Northern Colorado Learners can earn a Ph.D. in special education online in three to five years from the University of Northern Colorado Extended Campus in Loveland, Colorado. The program prepares students to conduct research, use evidence-based practices and advocate for change in special education. The curriculum explores grant-writing, individualized instruction, collaboration in education and leadership. Students can add a certificate in applied behavior analysis. The program requires doctoral core, research core and elective graduate coursework. Students also complete an externship, a comprehensive exam and a doctoral dissertation. Tuition costs $706 per credit, and the program has one annual start date each fall. At a Glance School Type: Public Application Fee: $50 Degree Credit Requirements: 77 credits Program Enrollment Options: Part time, full time Notable Major-Specific Courses: Theories of exceptionality, grant writing seminar Concentrations Available: Transition of children and youth with exceptionalities; education of infants and preschool children with exceptionalities; one of the categorical areas of special education (e.g., autism, blindness or visual impairment, deaf or hard of hearing, learning disabilities); gifts and talents; curriculum development; special education administration; university teaching and research In-Person Requirements: No How To Find the Right Online Ph.D. in Special Education for You Consider Your Future Goals Before choosing an online Ph.D. in special education, think about what you want to do after graduation. No two programs are identical, so you should find the one that best aligns with your future career goals. One of the most important things to consider when choosing where to earn your Ph.D. is whether the program’s faculty can support your individual area of interest. In a program where faculty members are already conducting research in your interest area, you’ll have an easier time getting the support and opportunities you need to succeed. If you want to concentrate your research on a specific population or area of special education, make sure to find a program that makes this possible. For example, if you want to research special education issues related to children with autism spectrum disorder, find a program with an autism concentration, or one that will let you design your own area of focus. Understand Your Expenses and Financing Options Total tuition rates for the degrees discussed on this page amount to about $28,170 for TTU’s Ph.D. and $54,362 for UNC’s. For comparison, The National Center for Education Statistics reports that one year of graduate school tuition and fees costs about $11,000 for in-state students at public universities. Private, nonprofit universities charge nearly $20,000 per year for graduate tuition and fees. (These figures include master’s degrees; it’s tough to parse out the average cost of tuition for a doctorate since programs vary widely at the doctoral level.) The total cost of your online Ph.D. in special education depends on how many years it takes you to finish the program, the type of school you choose (public or private), the amount of funding you receive, and whether you participate in an assistantship or a similar paid position during your studies. To apply for federal student aid that can help pay for your online Ph.D. in special education, fill out the Free Application for Federal Student Aid. Federal aid may include student loans, grants and scholarships. Your department and school also may offer funding options like scholarships, fellowships, and graduate student research and teaching assistantships. Should You Enroll in an Online Ph.D. in Special Education Program? Online Ph.D. in special education programs can provide flexibility and convenience, making it easier for working educators to go back to school. However, online learning does not suit everyone. Consider the below factors before committing to a delivery format for your degree. Budget Online programs can offer savings since distance learners do not pay for expensive on-campus housing or transportation costs. In general, tuition rates for distance education programs tend to be similar to or lower than rates for on-campus offerings. However, public universities frequently waive out-of-state tuition increases for online programs. This can sometimes mean big savings for out-of-state students who choose an online graduate program. Way of Learning Succeeding in an online learning environment usually takes good time management and organizational skills. You must be able to motivate yourself to do the work, even when you don’t feel like it. If you tend to procrastinate, or if you otherwise benefit from the structure and accountability of in-person classes, an online program might not work for you. Time Commitment Unlike in-person programs, which require you to attend class at a specific place and time, online programs provide scheduling flexibility. Asynchronous programs in particular allow you to work through your course material at your convenience. This flexibility can especially benefit learners with full-time jobs and other time-intensive commitments. Accreditation for Online Ph.D. in Special Education Universities can pursue institutional accreditation to showcase their high-quality educational offerings. You must choose an accredited university to qualify for federal financial aid, and many employers only recognize degrees from accredited institutions. To award institutional accreditation, independent accrediting bodies approved by the U.S. Department of Education and the Council for Higher Education Accreditation (CHEA) evaluate schools based on factors like quality of faculty, availability of student services and responsible financial management. Programmatic accreditation signals that a specific department or program within a university has passed a rigorous quality assurance process. Online Ph.D. in special education programs may hold programmatic accreditation from the Council for the Accreditation of Educator Preparation. You can research school and program accreditation using CHEA’s searchable directory. Most schools also provide accreditation information on an accreditation page of their website. Our Methodology We scored two accredited, nonprofit colleges offering online Ph.D. in special education programs in the U.S. using 15 data points in the categories of credibility, affordability, student outcomes, student experience and application process. We pulled data for these categories from reliable resources such as the Integrated Postsecondary Education Data System; private, third-party data sources; and individual school and program websites. Data is accurate as of January 2023. We scored schools based on the following categories: Student Outcomes: Overall graduation rate Median earnings 10 years after graduation Affordability: In-state graduate student tuition In-state graduate student fees Alternative tuition plans offered Median federal student loan debt Percentage of students in federal student loan deferment Student Experience: Student-to-faculty ratio Socioeconomic diversity Availability of online coursework Total number of graduate assistants More than 50% of graduate students enrolled in at least some distance education Credibility: Fully accredited Programmatic accreditation status Nonprofit status We listed all two schools in the U.S. that met our ranking criteria. Find our full list of methodologies here. Frequently Asked Questions (FAQs) About Online Ph.D. in Special Education Programs What is the difference between a Ph.D. and an Ed.S.? An education specialist (Ed.S.) degree, similar to a doctor of education (Ed.D.), is a postgraduate education degree that is more advanced than a typical master’s degree but less intensive than a Ph.D. While a Ph.D. in special education usually prepares graduates to work on high-level special education research, policy or university teaching, an Ed.S. prepares graduates to assume leadership roles as special education practitioners. Is a Ph.D. better than an Ed.D.? The answer depends on your career goals. Ph.D. special education programs focus primarily on university-level research and teaching, while Ed.D. programs are designed for practitioners. If you want to take a leadership role working directly with special education students, an Ed.D. is a good choice. On the other hand, if you want to design and conduct studies on special education issues, choose a Ph.D.

Earn more than 5% interest on your money: The best high-yield savings accounts of October 2023 

Editor's Note: APYs listed in this article are up-to-date as of the time of publication. They may fluctuate (up or down) as the Fed rate changes. CNBC Select will update as changes are made public. When it comes to building an emergency fund or saving up for a large expense, such as a down payment on a home, putting your money in a high-yield savings account can help you reach your goals quicker. Unlike traditional savings accounts, high-yield savings accounts reward you with a higher interest rate and your money grows even faster thanks to compound interest — which lets you earn interest on interest. The higher your annual percentage yield (APY), the faster your money grows and you get a better return than you would with a traditional savings account. The national average APY on savings accounts is just 0.42%, according to the Federal Deposit Insurance Corporation (FDIC). That's over 12 times less than the 5-plus percent APY and around 6% APY that the highest-yield savings accounts offer. And as the Federal Reserve continues to raise interest rates, banks are responding by paying out higher annual percentage yields, or APYs, to their customers. To determine which high-yield savings accounts are the best overall, CNBC Select analyzed and compared dozens of savings accounts offered by online and brick-and-mortar banks, including large credit unions. We found that although most online banks don't have physical branch locations, they typically offer higher APYs, lower fees and overall better benefits than national brick-and-mortar banks. When rating our top nine, we considered each account's APY, its ease of use, account accessibility, monthly fees and minimum balance requirements. The savings accounts selected offer an above-average APY to all customers (no matter their balance), are FDIC-insured, have zero monthly maintenance fees and low (or no) minimum balance requirements. (See our methodology for more information on how we choose the best high-yield savings accounts.) Best high-yield savings accountsCompare offers to find the best savings accountBest overallLendingClub High-Yield Savings LendingClub Bank, N.A., Member FDIC Annual Percentage Yield (APY) Minimum balance No minimum balance requirement after $100.00 to open the account Monthly fee Maximum transactions Excessive transactions fee Overdraft fees Offer checking account? Offer ATM card? Pros Strong APY No minimum balance required No monthly fees Free ATM card and no ATM fees Cons $100 minimum opening deposit required, though there's no minimum balance after that No physical branch locations Who's this for? The LendingClub High-Yield Savings account stands out for offering one of the highest returns on your money, charging no monthly maintenance fee and not having a minimum balance requirement. You just need an initial $100 deposit to open the account. Unlike many savings accounts, LendingClub provides customers with a free ATM card and never charges any ATM fees. This makes it easy to access your savings account and withdraw money whenever you want. You can also use your funds to pay bills, send money to friends and family and make internal and external transfers. To add money to your savings account at LendingClub, you can deposit cash at select ATMs, deposit checks via the mobile app, do a direct deposit, make an electronic transfer from an external bank or make a wire transfer. Runner-upUFB High Yield Savings UFB High Yield Savings is offered by Axos Bank, a Member FDIC. Annual Percentage Yield (APY) Minimum balance Monthly fee Maximum transactions No max number of transactions; max transfer amounts may apply Excessive transactions fee Overdraft fee Overdraft fees may be charged, according to the terms, but a specific amount is not specified; overdraft protection service available Offer checking account? Offer ATM card? Pros Strong APY No minimum balance No monthly fees Free ATM card Free transfers between direct deposit accounts Online and SMS banking available Mobile check deposits Cons No physical branch locations Potential overdraft fee, though overdraft protection is offered Who's this for? The UFB High Yield Savings is ideal for anyone who wants to earn a high return, while also maintaining easy access to their cash. The account charges no monthly fees, allows unlimited transfers and has no minimum deposits. Whether you deposit $1 or $1,000, you'll earn the same, high return. As with the other banks on this list, UFB Direct is an online-only bank, and it is a division of Axos Bank. Although there are no physical branches and you can't add a checking account, customers do get a free ATM card. Best for earning a high APYWestern Alliance Bank Savings Account Western Alliance Bank is a Member FDIC. Annual Percentage Yield (APY) Minimum balance Monthly fee Maximum transactions Up to 6 transactions each month Excessive transactions fee The bank may charge fees for non-sufficient funds Overdraft fee Offer checking account? Offer ATM card? Pros Strong APY Low minimum deposit required No monthly fees Cons Bank may charge non-sufficient funds Doesn't offer checking account or ATM access Accounts are opened and managed on Raisin.com Who's this for? The Western Alliance Bank Savings Account account is for anyone who's focused on maximizing their returns. With a 5.20% APY, it offers one of the highest interest rates currently available. Western Alliance requires just a $1 minimum deposit to open an account and charges no monthly fees. Plus, there is no cap for offering this high APY. Best for no feesMarcus by Goldman Sachs High Yield Online Savings Goldman Sachs Bank USA is a Member FDIC. Annual Percentage Yield (APY) Minimum balance Monthly fee Maximum transactions At this time, there is no limit to the number of withdrawals or transfers you can make from your online savings account Excessive transactions fee Overdraft fee Offer checking account? Offer ATM card? Pros Strong APY No minimum balance or deposit No monthly fees No limit on withdrawals or transfers Easy-to-use mobile banking app Offers no-fee personal loans Cons Higher APYs offered elsewhere No option to add a checking account No ATM access Who's this for? Marcus by Goldman Sachs High Yield Online Savings offers no fees whatsoever, no minimum deposits and easy mobile access. It's the most straightforward savings account to use when all you want to do is grow your money with zero conditions attached. The Marcus account also stands out thanks to its mobile banking app, which is simple to use and allows you to set up recurring deposits, track your savings goals and see how much interest you've earned this year. The bank's U.S.-based contact center is open 24/7 for live customer support over the phone or through online chat. Account holders can withdraw money from their Marcus savings account online and by phone through ACH or by free wire transfer to a linked account at another bank. You can also request a withdrawal by check mailed to you. To add money to your account, you can transfer funds, make direct deposit payments, deposit a check or make a wire transfer. Marcus doesn't charge a fee if you link other bank accounts for incoming and outgoing transfers, but keep in mind that your other bank might. Best for checking/savings comboAlly Bank Savings Account Ally Bank is a Member FDIC. Annual Percentage Yield (APY) Minimum balance Monthly fee Maximum transactions Unlimited withdrawals or transfers per statement cycle Excessive transactions fee Overdraft fee Offer checking account? Offer ATM card? Yes, if have an Ally checking account Pros Strong APY No minimum balance or deposit No monthly fees Unlimited withdrawals or transfers Option to add a checking account with ATM access Cons Higher APYs offered elsewhere $10 excessive transactions fee Who's this for? Ally is a good choice for anyone looking to do all their banking in one place. While the Ally Savings Account is a good high-yield account on its own, account holders can enjoy even more benefits if they also have an Ally checking account. In addition to a solid APY, no minimum account balance and no monthly maintenance fees, an Ally checking and savings account also gives you access to over 43,000 free Allpoint® ATMs, making it easy to withdraw cash when you need to. If you only have an online savings account, you won't have access to a debit card. If you use an out-of-network ATM, Ally doesn't charge a fee and if the ATM provider does, Ally will reimburse those fees up to $10 per month. Not all online banks also offer a checking account option. Saving your money with a bank that doesn't offer a checking account means you would have to transfer your money between banks, which could take a couple of days. By law, account holders with Ally can withdraw or transfer money online up to six times per month with no penalty. After, Ally charges $10 per transfer. You can also call the bank to request a mailed check, which doesn't count as one of your six transactions. You can't deposit cash in your Ally savings account, which is standard for many online banks, but you can deposit checks remotely with eCheck Deposit on the mobile app. Account holders can organize their saving goals by creating up to 10 different "buckets" within the same savings account. For example, you can create a designated fund for a "Future Vacation" and another for "Emergency Savings." Ally is also a consumer favorite because of its easy-to-use mobile app and 24/7 live customer service that is available over the phone, through online chat or on the Ally mobile app.  Best for easy access to your cashSynchrony Bank High Yield Savings Synchrony Bank is a Member FDIC. Annual Percentage Yield (APY) Minimum balance Monthly fee Maximum transactions Up to 6 free withdrawals or transfers per statement cycle Excessive transactions fee Overdraft fee Offer checking account? Offer ATM card? Pros Strong APY No minimum balance or deposit No monthly fees Easy ATM access Cons No option to add a checking account Who's this for? Withdrawing money is quick and easy when you have a Synchrony Bank High Yield Savings account. There is no minimum balance requirement, no monthly fees and a strong APY. But what makes this account stand out is its convenient withdrawal options. Synchrony Bank offers an optional ATM card to its savings account holders. You can access your money by ATM, wire transfer (up to three free per statement cycle) or through an electronic transfer to or from accounts you have at other banks. Though you are limited to six free withdrawals or transfers per statement cycle, Synchrony Bank allows you to conduct unlimited transactions at an ATM. The bank won't charge an ATM fee, but the ATM provider may. For these charges, Synchrony Bank refunds ATM fees in the U.S. up to $5 per statement cycle. Still, you should be wary of how much you withdraw from an ATM because the fees, even with a $5 refund, can add up. According to Bankrate, ATM operators charge customers an average fee of $3.14. Just going to the ATM twice in one month would already put you over the refundable amount. To deposit money into your savings account at Synchrony Bank, you can make an electronic transfer from an external bank account that you've linked, do a direct deposit, make a wire transfer, mail a check or use the bank's mobile app to deposit a check. Synchrony Bank's customer service line is available seven days a week by phone or online chat, as well as 24/7 through its app so you can manage your account on the go. Additional customer perks include complimentary identity theft assistance, travel discounts and free webinars. Best for earning airline milesBask Mileage Savings Account Bask Bank and BankDirect are divisions of Texas Capital Bank, Member FDIC. Annual Percentage Yield (APY) Earn 2.5 American Airlines AAdvantage® miles for every $1 saved annually instead of interest. Minimum balance Monthly fee Maximum transactions Up to 6 free withdrawals or transfers per statement cycle *The 6/statement cycle withdrawal limit is waived during the coronavirus outbreak under Regulation D Overdraft fees Offer checking account? Offer ATM card? Pros Earn American Airlines AAdvantage miles instead of cash No minimum balance  No monthly fees Cons No option to add a checking account No ATM access Who's this for? If you want to maximize your interest-earning potential, consider Bask Bank. The Bask Bank Interest Savings Account offers a very respectable 5.00% APY to all savings account holders. Here's the kicker: If you're a frequent traveler, you can opt for the Bask Bank Mileage Savings Account to earn American Airlines AAdvantage® miles back instead. With the mileage savings account, you'll earn 2.5 miles for every $1 saved annually. You can use these miles for flights on American Airlines or any of its 20+ partner airlines. So, you can effectively fund your next vacation without any spending. The accounts offer no monthly fees and no minimum deposits. Just note that the bank may close your account if it remains unfunded for 15 business days. Bask Bank is a division of Texas Capital Bank, but operates completely online. Best for welcome bonusSoFi Checking and Savings SoFi Bank is a Member FDIC. Annual Percentage Yield (APY) Members with direct deposit earn 4.50% APY on savings and Vaults balances and .50% APY on checking balances; members without direct deposit earn 1.20% APY on savings and Vault balances and 0.50% APY on checking balances. Minimum balance Monthly fee Maximum transactions Up to 6 free withdrawals or transfers per statement cycle; transaction amount limits apply Excessive transactions fee Overdraft fee SoFi members who receive $1,000 or more in total monthly direct deposits are eligible for no-fee Overdraft Coverage (covers up to $50; purchases exceeding this amount are declined) Offer checking account? Yes, bundled with savings account Offer ATM card? Yes, along with SoFi checking account Pros Strong APY with direct deposit No minimum balance or deposit No monthly fees Comes with checking account and ATM access 2-day-early-paycheck automatically when set up direct deposit Save change automatically with Roundups and set savings goals with Vaults Get up to 15% cash back at local establishments No foreign transaction fees FDIC insurance up to $2 million through the SoFi Insured Deposit Program Up to a $250 welcome bonus for a limited time Cons Have to set up direct deposit to earn high APY No reimbursement for out-of-network ATM fees Not a standalone checking or savings account Who's this for? The SoFi Checkings and Savings account stands out for offering a valuable welcome bonus after you set up and receive direct deposit payments. You can earn anywhere from $50 to $250, depending on the total of your direct deposits in a 30-day period. The account also gives you a solid return. The only caveat is that you must opt-in to direct deposit in order to get the maximum interest, which is 4.50% APY*. Without direct deposit, it lowers to 1.20% APY. In addition, the account comes with a debit card that has fee-free ATM access through the Allpoint® Network, which has over 55,000 locations across the country. And while paying with a debit card can sometimes lack rewards, you can get up to 15% cash back when you use your card at specific merchants. And if you're looking to fully immerse yourself in the fintech/online bank space, SoFi offers a variety of financial products, including student loans, personal loans, mortgage refinancing, auto loans and more. Best if you want extra help savingVaro Savings Account Bank Account Services are provided by Varo Bank, N.A., Member FDIC. Annual Percentage Yield (APY) Begin earning 3.00% APY and qualify to earn 5.00% APY if meet requirements Minimum balance Monthly fee Maximum transactions Up to 6 free withdrawals or transfers per statement cycle Excessive transactions fee Overdraft fee Offer checking account? Offer ATM card? Yes, if have a Varo Bank Account Pros Strong APY and option to earn even higher No minimum deposit and low minimum balance No monthly fees Option to add a checking account with ATM access Offers 2 programs to help automate your savings Cons Have to meet requirements to earn higher APY Cash deposits are only available through third-party services, which charge a fee Who's this for? Varo is an all-mobile national bank, so for those looking to save and who don't mind banking entirely over the phone or online, the Varo Savings Account makes a good option. Varo offers a 3.00% APY to all savings account holders, as well as a checking account option. Neither accounts require minimum balances to open and neither charges monthly maintenance fees.  Varo stands out because of its uniquely tiered APY program that encourages you to save more. While you can take advantage of a 3.00% APY regardless of your account balance, you can earn up to 5.00% APY if you meet certain monthly requirements: Account holders must make a minimum of five purchases using their Varo Visa® Debit Card, have direct deposits totaling $1,000 or more each month and keep a savings account balance no higher than $5,000 (there is no minimum balance) all in the same month. For those who want extra help saving, the online bank offers two programs that automatically transfer money from your Varo bank account to your savings account: Save Your Pay, which transfers a percentage of your paycheck into your savings, and Save Your Change, which rounds up your checking account transactions to the nearest dollar and transfers the difference to your savings. Varo also offers an ATM network with no fees (as well as no penalty for overdrafts up to $50). For any cash deposits, note that Varo only makes these available through third-party services, which may charge a fee. What is a high-yield savings account? A high-yield savings account is like a normal savings account but offers a higher interest rate, or APY, on one's cash. With a higher APY, your money grows faster as it sits in your account. Note, however, that these offered interest rates are variable, meaning they can go up or down at any time. Not only does your money earn a better return in a high-yield savings account than in traditional savings, but you still have access to your cash when you need it as you would in a normal savings account. Your money in a high-yield savings account is federally insured by the FDIC, which means that deposits up to $250,000 are protected if the bank were to suddenly collapse. Common high-yield terms you should know Annual Percentage Yield (APY): The amount of interest an account earns in a year. ACH transfer: When you want to make small and frequent payments electronically (direct deposit, automated bill payments, etc.); typically always free but usually takes at least one business day to complete the transfer. Wire transfer: When you want to move funds from one bank account to another and have the money be available for use in the same business day; banks usually charge a fee. Mobile deposit: Instead of going to the bank to deposit a check, you can use your mobile banking app to scan a photo of the check and have the funds immediately deposited into your account. It can sometimes take a day or two for the funds to be accessible. ATM networks: ATMs can either be in-service or out-of-network, depending on which bank you have. When you make a transaction at an ATM that is outside your bank's network, then a fee will most likely be applied by both the ATM operator and your bank. FAQs What is the difference between a high-yield savings account and a traditional savings account? The main difference between high-yield savings accounts and traditional savings accounts is that high-yield savings accounts offer higher interest rates, which in turn allow your money to grow faster. Also, unlike traditional savings accounts, high-yield savings accounts are generally offered by online banks that don't have physical branch locations. Why are most high-yield savings accounts online? High-yield savings accounts, by nature, offer higher returns largely because they operate solely online. They do this because of the savings they get by not having to pay for overhead costs that traditionally come with operating physical branches, such as the cost of real estate and the additional workers to work in those branches. How do online savings accounts work? While online savings accounts offer some of the highest APYs, it's also more tedious to access your money than banking at a brick-and-mortar institution, since you'll usually have to transfer to a checking account to use your money. This is arguably a good thing if you're trying to grow your emergency savings, as you won't have easy access to withdraw from the account. While it may seem nerve-wracking to have limited access to your savings, one of the big reasons to put your emergency fund into a high-yield account is to watch it grow. The higher your account balance is, the more money you will earn in compound interest over time. How often do savings rates change? Interest rates on high-yield savings accounts are variable and can fluctuate at any time. In general, savings rates change every few months after a Fed committee meets to adjust the federal funds rate. Are high-yield savings rates increasing? Yes, high-yield savings rates are increasing. Rates so far in 2023 have been going up as the Fed continues to raise its benchmark rate in an effort to tamper with inflation. We've seen this reflected in high-yield savings accounts' APYs, which are now around 5% to even 6% APY. And, as of now, interest rates are poised to increase even more throughout the rest of the year. Can you lose money in a high-yield savings account? There's a near-zero risk of capital loss when you open a savings account at an FDIC-insured bank, as your account is insured for up to $250,000. Interest rates may decrease, but your cash will not. Theoretically, your money would lose value if the inflation rate is higher than your APY, but that's no different than a traditional savings account. So, opening a high-yield savings account is safe and worth considering. Can you withdraw money from a high-yield savings account? You can withdraw funds from a high-yield savings account like you can a traditional savings account. How often can I take money out of a high-yield savings account? It used to be a rule that consumers could only withdraw or transfer cash out of a high-yield savings account up to six times per month without paying any fees. However, since the pandemic this rule has ended and it is now up to each individual bank's discretion to choose how often savers can withdraw. Most banks have stuck to this six-times-per-month rule, while others let you make unlimited withdrawals at no cost. Do you pay taxes on a high-yield savings account? Interest accrued on a high-yield savings account is taxed as ordinary income. You must report the interest on your tax return for any account that earned more than $10 in one year. What are the cons of a high-yield savings account? The biggest con of high-yield savings accounts is that though they offer high interest rates, those rates can fluctuate at any time. Withdrawing money may also be a slightly slower process as only a few high-yield savings accounts offer ATM cards. And, if you care about in-person banking, most of the online high-yield savings account banks don't have physical locations. Why trust CNBC Select? At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every high-yield savings account review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of banking products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best savings accounts. Our methodology To determine which high-yield savings accounts offer the best return on your money, CNBC Select analyzed dozens of U.S. savings accounts offered by online and brick-and-mortar banks, including large credit unions. We narrowed down our ranking by only considering those savings accounts that offer an above-average APY, no monthly maintenance fees and low (or no) minimum balance requirements. While the accounts we chose in this article consistently rank as having some of the highest APY rates, we also compared each savings account on a range of features, including ease of use and account accessibility, as well as factors such as insurance policies and customer reviews when available. We also considered users' deposit options and each account's compound frequency. All of the accounts included on this list are FDIC-insured up to $250,000. Note that the rates and fee structures for high-yield savings accounts are not guaranteed forever; they are subject to change without notice and they often fluctuate in accordance with the Fed rate. Your earnings depend on any associated fees and the balance you have in your high-yield savings account. To open an account, most banks and institutions require a deposit of new money, meaning you can't transfer the money you already had in an account at that bank. Subscribe to the CNBC Select Newsletter! Money matters —  so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date. Information about the Synchrony Bank High Yield Savings Account has been collected independently by CNBC and has not been reviewed or provided by the bank prior to publication. * SoFi members with direct deposit can earn up to 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum direct deposhttps://www.highcpmrevenuegate.com/cc1nk9t2d?key=779b3bd44d546e4de89107a2bb4aff5eit amount required to qualify for the 4.50% APY for savings. Members without direct deposit will earn up to 1.20% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 8/2/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

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