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Should I use DepositAccounts?

Bank and credit union rate comparison, reviews, and financial health ratings - depositaccounts.com

Worth it. Use it if you're shopping deposit rates or vetting a bank's financial health — it's free and respected in DIY finance communities. Skip it if you need loans, investments, or advice; it only covers deposit accounts.

Confidence

Medium. Based on ~15 public sources; user review ratings and security findings are thin.

Ratings

  • Value for money
  • Ease of use
  • Feature depth
  • Support qualityNo evidence in sources
  • Security postureNo meaningful security evidence in sources

Pricing

$0

Free site

ModelNot disclosed
Monthly feesNot disclosed
HardwareNot disclosed
Free tierYes

Best for

  • Savers chasing top CD and savings rates
  • Depositors vetting small banks' health
  • DIY cash managers comparing credit unions

Not for

  • Loan, mortgage, or investment shopping — not covered
  • Anyone wanting financial advice; it lists rates, not guidance
  • People expecting one-click account opening on-site
  • Businesses needing treasury-grade deposit analytics

Gotchas - check before you buy

medium

Affiliate-funded model: partner banks may get promoted placement, so deals aren't fully neutral (Guess)

low

Health grades are DepositAccounts' own methodology, not an official regulator rating

low

Longtime Bogleheads users are looking for alternatives; cross-check rates elsewhere

low

ConsumerAffairs hosts customer reviews of the site itself — skim before trusting on-site reviews

Pros and cons

Pros

  • Tracks CD, savings, and money market rates bank-by-bank
  • Assigns quarterly A+ to F health grades to banks and credit unions
  • Runs Top 200 healthiest credit unions recognition program
  • Backed by LendingTree since its 2017 acquisition
  • Regularly cited on Reddit and Bogleheads for rate research

Cons

  • Owned by LendingTree; placement may favor partner banks (Guess)
  • Some veteran users now hunt for alternatives
  • Site's own security page shows only a cookie wall in sources

Sources & method

Analyzed 10/03/2026 - 12 sources - No known vulnerabilities found in the sources reviewed.

official x4review x3security x1news x4

Key stats

  • Value for money: 5/5

    Rating

  • $0

    Starting price

  • 12

    Sources

  • Analyzed

  • Value for money: 5/5. Free comparison site; no paid tiers found
  • Ease of use: 4/5. Calculators require only a few inputs
  • Feature depth: 4/5. Rates, reviews, health grades, award programs
  • Support quality. No evidence in sources
  • Security posture. No meaningful security evidence in sources
  • LendingTree Owner Acquired June 2017
  • $0 Cost No paid tiers found in sources
  • A+ to F Bank health grades Updated quarterly
  • CDs, savings, MMA, checking Coverage Plus bank reviews and local rate pages

Pricing

Free site

$0

  • CD, savings, and money market rate tables
  • Bank reviews and A+–F health grades
  • Local bank and credit union rate pages

Security

No known vulnerabilities found in the sources reviewed.

What users say

Reddit and Bogleheads threads cite DepositAccounts for comparing rates and checking bank health, though some longtime users now seek alternatives.

Companies that use it

  • Rio Grande Credit Union11
Full analysis

Based on ~15 public sources; user review ratings and security findings are thin.

Free, credible rate and bank-health comparison site for savers; useless for loans, investing, or advice.

Methodology

Based on ~15 public sources; user review ratings and security findings are thin.

Sources

  1. LendingTree Acquires DepositAccounts.cominvestors.lendingtree.com
    news
  2. DepositAccounts Bank Financial Health Ratingsdepositaccounts.com
    official
  3. DepositAccounts Health Rating A+ to F methodology PDFfirstnebraska.org
    official
  4. St. Francis X FCU named Top 200 healthiest credit unionstfranciscu.org
    news
  5. DepositAccounts homepagedepositaccounts.com
    official
  6. Best CD Rates of October 2026depositaccounts.com
    official
  7. Are lesser-known high-APY banks safe? (Reddit)reddit.com
    review
  8. Depositaccounts.com — looking for alternatives (Bogleheads)bogleheads.org
    review
  9. DepositAccounts Reviews on ConsumerAffairsconsumeraffairs.com
    review
  10. Quontic Bank ranked Top 200 in Americaquontic.com
    news
  11. Rio Grande CU signs five-year extension involving DepositAccountsengageware.com
    news
  12. DepositAccounts product security pagedepositaccounts.com
    security

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