For example, let’s say that you made an initial deposit of $10,000, and your bank compounds interest annually. With a 0.1 percent APY, you’d earn about $10 in interest for the year.

Deposit accounts are attractive for investors because they are a safe vehicle for maintaining their principal, earning a small amount of fixed interest, and taking advantage of deposit insurance.

These accounts offer FDIC insurance for deposits greater than $250,000 Some institutions have begun to offer up to $3 million of FDIC insurance coverage. Updated Tue, Jun 24 2025.

Call deposit accounts allow investors to deposit and withdraw funds in several currencies, including the U.S. dollar, the euro, and the British pound. Understanding a Call Deposit Account ...

As deposit accounts, savings accounts are by definition federally insured up to at least $250,000. This means you won’t lose your money (up to at least $250,000) if the bank fails.

Demand deposit accounts allow flexible, immediate cash access without needing to notify the bank, with the most common type being a checking account. Go to Homepage. Finance ...

These accounts are federally insured for up to $250,000 per account owner, per financial institution, per ownership category at banks insured by the Federal Deposit Insurance Corp. (FDIC), or at ...