1. Grow Your Savings More Than 8x Faster Every Month

Now that you’ve built substantial savings, you’ll want to make sure that money is working for you. And if you keep it in a traditional savings account, you could be missing out on serious growth.

When you keep your savings with Cash App, you could earn up to 3.25% interest* — that’s more than eight times faster than the average savings account (which pays just 0.39%**).

Cash App pays a base 1.5% interest rate, but when you set up a direct deposit of just $300 per month, you’ll boost that rate to 3.25% interest. Even better? There’s no minimum balance or monthly/hidden fees, and Cash App monitors your money 24/7 to look out for any fraud.

Want to boost your savings to 3.52% interest every month with Cash App’s partner bank? It’s easy to get started here with as little as $1 and watch your money grow more than eight times faster than average.**

2. Diversify Your Portfolio With Precious Metals

If the past few years have shown us anything, it’s that disruptions to the market can come out of nowhere. Between the pandemic, supply-chain issues and bear markets, a lot of people’s retirement savings felt the impact. 

That’s why it can be a smart idea to look for ways to protect your retirement savings from the unpredictable. For a lot of people, investing in precious metals is a way to diversify and protect their investments.

One way to do this is with a precious metals IRA through a company like Thor Metals Group. Precious metals often outperform other investments in a volatile market, and their value tends to rise with inflation, making them an effective hedge during uncertain economic times.

Opening a gold or silver IRA is easy, and you can roll over funds from existing retirement accounts without any taxes or penalty fees. Or you can buy gold and silver directly from Thor Metals Group’s extensive collection.

Worried you may need to sell your precious metals in the future? Thor Metals Group offers a no-fee buy-back program. Plus, Thor Metals Group has an A rating with the Better Business Bureau.

Want to diversify and safeguard your investments by adding gold and silver to your portfolio? It’s easy to get started here and get your free report. Right now, Thor Metals Group is offering up to $20,000 in free metals on qualifying purchases — plus, you’ll pay no account fees for 2025.

3. Grow Your Money More Than 13x Faster

This one’s almost too easy. If you’re keeping your savings in a traditional savings account, it’s probably not doing much for you. In fact, the latest numbers from the FDIC show that the average savings account only pays 0.40% APY.* 

If you want to grow your money faster — 13 times faster* — one option you might consider is the Gainbridge^® FastBreak™ annuity. You’ll earn up to 5.20% APY** on this annuity, which comes with a self-managed platform and the ability to withdraw your money without a tax penalty before age 59 1/2. 

An annuity is a contract between you and an insurance company that promises you a future payout in regular installments, usually monthly and often for life. The Gainbridge^® FastBreak™ annuity comes in three to 10 year terms, in premiums of $1,000 to $1 million, and you’re able to withdraw up to 10% of the account value each year.** 

The FastBreak™ annuity is self-directed, easy to set up and comes with 30 days to cancel your contract if you change your mind. 

Want to start growing your money 13 times faster than if you kept it in a savings account? Get started here to start earning up to 5.20% APY**.

4. Pocket an Extra $325 When You Open This Checking Account

Keeping your cash in the right place is one of the easiest ways to boost your balance.

When you open a new Wells Fargo Everyday Checking account, you can earn a $325 bonus. All you have to do is make $1,000 or more in qualifying direct deposits within 90 days of opening the account. After the 90-day qualification period, Wells Fargo will deposit your bonus within 30 days, as long as you’ve met the requirements.

You’ll also get FDIC insurance, 24/7 fraud monitoring, and access to an app with a 4.9-star rating.

Want to add an extra $325 to your wallet? It takes just minutes to open an account.

5. Stop Wasting $1,025 a Year on Car Insurance

Sometimes, the easiest way to put money in your pocket is to find out where you’re wasting it. And most people are seriously overpaying for car insurance — by as much as $1,025 a year.

Fortunately, Insurify lets you compare all your car insurance options at once — and it can put an extra $1,025 a year back in your wallet. 

Just enter some basic details about your car and background, you’ll get customized quotes you can review on your own time and from the comfort of home. 

Want to add up to $1,025 back to your wallet this year? It’s easy to get started here and see how much you can save.

6. Get Up to $1,000 in Free Stock Just For Investing

While your cash sits in a basic account doing absolutely nothing, smart investors are growing their wealth effortlessly – and getting up to $1,000 in free stock just for opening and funding a new SoFi Active Invest account.

Whether you’re new to investing or a seasoned pro, SoFi® makes it easy to start, manage and grow your portfolio by investing in stocks, ETFs and even fractional shares, meaning you can own a slice of your favorite company without having to buy a full share.

Traditional investing platforms charge fees that eat away at your gains. But with SoFi Active Invest, you keep more of what you earn: There are no commissions on stocks and ETFs, no account minimums and no hidden fees.

It takes just a few minutes to open an account. Get started here and fund your account within 45 days to earn up to $1,000. 

{{text: rateTexts.expertAdviceHeader.text}}

BROUGHT TO YOU BY {{image: rateUrls.logoPath}}

{{html: rateTexts.expertAdviceProTipsCopy.html}}

{{text: rateTexts.expertAdviceClientName.text}} Sponsored Tip {{tooltip: rateTexts.expertAdviceToolTipCopy.text}}

{{text: rateTexts.expertAdviceAdTitle.text}}

{{html: rateTexts.expertAdviceAdCopy.html}}

{{text: rateTexts.ctaButton.text}}

{{image: rateUrls.logo300X25Path}}

Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.

*Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. To earn the highest interest rate on your Cash App savings balance, you need to (a) have a Cash App Card or sponsor one or more sponsored accounts and receive at least $300 in paycheck direct deposits each month; or (b) have a sponsored account with sponsor approval to earn interest. Exceptions may also apply. Savings yield rate is subject to change.**The national average savings account interest rate is 0.40% APY, according to the FDIC, as of Sept. 15, 2025.

*Source: FDIC, national average of savings, week of 12/15/25. Rates subject to change.

*Moneylion: Instacash® is subject to terms and eligibility requirements. 

* Fees apply for optional Turbo delivery within minutes

*SoFi: Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify. Probability percentage is subject to decrease.

Other fees, such as exchange fees, may apply. Please view SoFi’s fee disclosure to view a full listing of fees

There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

*Source: FDIC, national average of savings, week of 12/15/25. Rates subject to change.**Gainbridge^®: Annuity rates are subject to change at any time, and the rate mentioned may no longer be current. Please visit Gainbridge.io for current rates, full product disclosures and disclaimer. Withdrawals above the 10% free withdrawal amount are subject to a withdrawal charge and market-value adjustment. FastBreak™ is issued by Gainbridge Life Insurance Company in Zionsville, Indiana. FastBreak™ is not a tax-deferred annuity; instead, it is taxed annually.

GOBankingRates maintains editorial independence. While we may receive compensation from actions taken after clicking on links within our content, no content has been supplied by any advertiser prior to publication.