Savings Account Comparison

Compare Money Market Accounts With CDs and Savings Accounts

Use the Nationwide Bank® savings comparison chart to help you make smarter decisions with your money. This chart is designed to help you understand everything from account interest rates to other features so you can be better informed when you open a new Nationwide Bank account. 

Account consideration Nationwide Bank money market account Nationwide Bank CD account Nationwide Bank savings account
Best for you if You already have money saved and want convenient access to your money when you need it. You can afford to save your money and not access it for a specified period of time. You want a place to grow your money without higher fees or balance requirements.
Interest features Traditionally higher interest rates than a savings account Interest rates often higher for longer-term CDs Same APY1 for all balances
Monthly maintenance fee2 No monthly maintenance fee when you maintain a minimum daily balance of $1,000. Otherwise, $8. None No monthly maintenance fee when you maintain a minimum daily balance of $300, or a monthly direct deposit of $25 or more. Otherwise, $3.
Online Banking Free Free Free
Transaction limitations2 Up to 6 preauthorized withdrawals per monthly statement cycle, including telephone or electronic transfers and check or point-of-sale transactions. A penalty may apply for withdrawal of funds before CD matures. Up to 6 preauthorized withdrawals per monthly statement cycle, including telephone or electronic transfers and check or point-of-sale transactions.
Account access First order of checks free

Free ATM card upon request

Complete transactions online, by phone or at an ATM

Access to more than 76,000 surcharge-free ATMs

2 free non-Nationwide Bank ATM transactions per month. ATM owner surcharges may apply.
Transactions may be completed online or by phone. Free ATM card upon request

Transactions may be completed online, by phone or at an ATM

Access to more than 76,000 surcharge-free ATMs

2 free non-Nationwide Bank ATM transactions per month. ATM owner surcharges may apply.
Account statements Free online statements. Paper statements available at no additional cost. Free online statements. Paper statements available with linked checking account. Free online statements. Paper statements available at no additional cost.
Overdraft protection Can be used as an overdraft protection funding account when linked to a checking account No Can be used as an overdraft protection funding account when linked to a checking account
FDIC- insured3 Yes Yes Yes
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Compare money market vs. CDs vs. savings

Money market vs. savings

Money market vs. CDs