Access to E*TRADE Savings Bank, offering free checking, a high interest-rate savings account and a line of credit (LOC). With the LOC you can borrow up to 50% of the value of your account for any purpose except buying securities on margin. The interest rate is lower than margin interest rates, and you can repay on your own schedule. Best Online Savings Accounts of April 2020 | Bankrate.com Top banks offering the best savings account rates (March 24, 2020) If you are looking for a low-risk way to save money over a long period of time, high yield savings accounts may be a good option