Axos ONE® Savings
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $250,000 | 4.21% |
| $250,000+ | 3.50% |
- Minimum to Open: $0
Additional Info
- Get up to 4.21% APY* on savings and 0.51% APY* on checking.
- *The Annual Percentage Yield (APY) is accurate as of 3/25/2026. The base and promotional interest rate and corresponding APY for Axos ONE® Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE® Savings is variable and is set at our discretion. Axos ONE® Savings is a tiered variable rate account. Axos ONE® Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.
- Promotional terms and conditions are subject to change or removal without notice. Incentive may be taxable and reported on IRS Form 1099-MISC. Consult your tax advisor. After the accounts are opened, the amount of incentive earned will depend on meeting the additional requirements outlined below.
- The Axos ONE® Checking account will earn a base rate of 0.00% APY. The Axos ONE® Savings account will earn a base rate of up to 1.00% APY.
- Axos ONE® accounts are eligible to receive a promotional APY for each statement cycle where the promotional criteria are met during the Qualification Period. To receive the promotional APY on both Axos ONE® Checking and Axos ONE® Savings, the Axos ONE® Checking account must meet both of the requirements in either Option 1 or Option 2 below during the Qualification Period:
- Option 1
- 1. Your Axos ONE® Checking account has received monthly qualifying direct deposits of at least $1,500 in total.
- 2. The average daily balance of your Axos ONE® Checking account is at least $1,500.
- Option 2
- 1. Your Axos ONE® Checking account has received monthly qualifying deposits of at least $5,000 in total.
- 2. The average daily balance of your Axos ONE® Checking account is at least $5,000.
- If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:
- - The Axos ONE® Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
- - The Axos ONE® Savings account will earn a promotional rate of 4.21% APY on the first $249,999.99 and 3.50% APY on any additional balance for the statement cycle in which the requirements are met.
- The Qualification Period begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. The Qualification Period for new accounts will begin on the day the account is approved. New accounts opened on or after the 25th of the month will be eligible to earn the promotional APY starting in the following month.
- A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit.
- Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder’s Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.
- Both accounts must be in an open and active status on the 25th of the month and on the date the interest is paid to receive the promotional APY for that statement cycle. If either account closes during the Qualification Period, neither account will be eligible to earn the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
- Get your money up to 2 days early. You’ve earned it, so start earning on it.
- No monthly maintenance, minimum balance, account opening, or overdraft fees.
- Deposit accounts FDIC insured up to $250K individual and $500K joint.
- Access a network of over 95,000 fee-free ATMs.
- Manage all your bank accounts from one place in the Axos app.
- Link external accounts in the app to move your money seamlessly.
CIT Bank Platinum Savings Account
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0 - $5,000 | 0.60% |
| $5,000+ | 4.10% |
- Minimum to Open: $100
Additional Info
- With 6 month boost, you earn:
- Earn 4.10%* Boost APY on balances of $5,000 or more! 10x² the National Average on your savings.
- Earn 0.60%* Boost APY on balances less than $5,000.
- After boost is completed, you will continue to earn our best standard rates:
- Earn 3.75%¹ APY on balances of $5,000 or more! 9x² the National Average on your savings.
- Earn 0.25%¹ APY on balances less than $5,000
- *New customers must open a Platinum Savings account with a valid Promo Code, CITBoost.
- Boost lasts 6 months over standard APY
- Tiered account
- $100 minimum account opening
- Member FDIC
- No Monthly Service fees
- No account opening fees
- ¹Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
- ²Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of February 17, 2026.
- *This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends May 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice.
- For complete list of account details and fees, see our Personal Account disclosures.
Synchrony Bank • 14 Month CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 4.00% |
- Minimum to Open: $0
Additional Info
- Open a CD account with great rates and no minimum balance.
- Retire happier. Synchrony Bank helps make it easier to reach your retirement goals.
- Save with Synchrony Bank. Our Mobile App makes it easy to bank anywhere - and manage your accounts from a smartphone or tablet
- Terms range from 3 months to 5 years
- Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal non-IRA accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
FVCbank Advantage Direct Savings
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 4.00% |
- Minimum to Open: $500
Additional Info
- Advantage Direct Savings Account offered by FVCbank, an FDIC-insured institution, is offering a competitive high APY of 4.00%!
- Higher Rates, Smarter Savings
- Reliable access to funds
- Fast and straightforward transfer options
- FVCbank is a community-focused bank that offers personalized service
- FDIC insured
Live Oak Bank • 1 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $2,500+ | 3.90% |
- Minimum to Open: $2,500
Additional Info
- Lock in Your Rate: 1-Year Personal CD 3.90% APY — Accurate as of 4/6/2026
- Interest can be automatically disbursed monthly.
- Open online in minutes, manage renewal preferences and add beneficiaries online.
- $2,500 minimum balance required.
- No account opening or monthly maintenance fees.
- Dedicated and personalized customer service.
- FDIC insured up to $250,000 per depositor for each account ownership category
Oloy Bank High-Yield Savings Account
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 3.85% |
- Minimum to Open: $1,000
Additional Info
- Grow Your Savings Faster with 3.85% APY* High-Yield Savings
- No monthly service charge or minimum balance requirements
- Estatements Required
- FDIC-insured up to $250,000
- Member FDIC
- *Annual Percentage Yield (APY) is accurate as of 1/29/2026. $1,000 minimum deposit required to open account. Rates are subject to change. eStatements required.
Live Oak Bank Personal Savings
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 3.80% |
- Minimum to Open: $0
Additional Info
- Member FDIC
- Limited-time offer: earn $200 bonus* when you open a new personal savings account
- Earn and save more with 3.80% Annual Percentage Yield*** — Accurate as of 2/2/2026. Earn 9x the national average!**
- Open account online in minutes
- US-based customer support
- FDIC insured up to $250,000 per depositor for each account ownership category
- No online banking or monthly maintenance fees
- Available to people nationwide
- *Customers must meet all of the following requirements to be eligible for the $200 bonus:
- New and Existing Customers: The promotion begins on March 2nd, 2026.
- Only one bonus is available per Tax Identification Number (TIN) per promotional period. Only personal savings accounts are eligible for the bonus offer. Checking accounts, certificates of deposit (CD) accounts and fiduciary accounts (e.g., trusts) are not eligible for this offer.
- Opening of a new account will be subject to approval by Live Oak Banking Company in its sole discretion.
- A new account must be opened between March 2nd, 2026, and March 31st, 2026 to be eligible.
- A new Live Oak Bank personal savings account must be fully funded with at least $20,000 by 11:59 p.m. Eastern Time on 3/31/2026 to be eligible for the bonus. If the account is not fully funded with at least $20,000 by March 31st, then the account is not eligible for the bonus offer.
- All funding of the new personal savings account must consist of funds originating from an external financial institution to qualify. Deposits or transfers originating from an existing Live Oak Bank account (whether personal or business) via internal transfer, CD redemption, check, ACH transfer, wire, or loan proceeds do not qualify for bonus offer.
- Beginning on the date in March 2026 when the new account attains a balance of at least $20,000, if the balance remains equal to or exceeding $20,000 for 60 consecutive days, then the account will be eligible for the bonus if all other conditions are met. If all eligibility criteria are met, the $200 cash bonus will be deposited to your open, eligible account within 45-days following the expiration of the 60-day period.
- Your new account must not be closed or restricted at the time of payout in order to receive the bonus. Live Oak Bank reserves the right to withdraw or withhold the bonus offer from any customer, with or without notice, if fraud or other suspicious activity is suspected.
- Any promotional payout amounts received may be subject to taxation.
- Existing Customers. In addition to the other requirements for the bonus offer, existing Live Oak Bank customers must meet of all of the following additional requirements:
- 1) Maintain the combined end of day balance across all pre-existing Live Oak Bank Personal Savings accounts at or above the balance held as of March 1, 2026 at 11:59:59 p.m. ET.
- 2) Deposit a minimum of $20,000 in new to bank funds—funds transferred from an external financial institution—into the new Personal Savings account opened during the promotional period.
- 3) Maintain both of the following for 60 consecutive days, beginning on the date the new account most recently equals or exceeds the $20,000 new to bank balance within the promotion window: a) The required existing balance benchmark (as noted in #1 above), and b) Maintain a minimum balance of $20,000 in the new Personal Savings account.
- **National savings average rate courtesy of the FDIC’s Weekly National Rates and Rate Caps
- ***Live Oak Bank Savings Annual Percentage Yield (APY) is valid as of 2/2/2026. No minimum opening balance or deposit required to open. Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but customers must have a balance of $0.01 to earn interest. Fees may reduce earnings.
Western Alliance Bank High-Yield Savings Account
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 3.80% |
- Minimum to Open: $1
Additional Info
- Get up to $1,500 in cash bonuses with promo code FRESHSTART – available for new customers only.
- Open your first account by April 30, 2026 using promo code FRESHSTART.
- Make your qualifying deposit before May 14th to be eligible for the first quarter’s bonus.
- Raisin reserves the right to terminate this offer at any time.
- Only one bonus per customer.
- The offer is non-transferable and cannot be combined with other promotions.
- Now 3.80% APY — that's more than 9 times the national average!
- Excellent rates with NO fees from Raisin.
- Raisin is not an FDIC-insured bank, and does not hold customer funds. FDIC deposit insurance covers the failure of an insured bank.
Synchrony Bank • 5 Year CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $0+ | 3.75% |
- Minimum to Open: $0
Additional Info
- Open a CD account with great rates and no minimum balance.
- Retire happier. Synchrony Bank helps make it easier to reach your retirement goals.
- Save with Synchrony Bank. Our Mobile App makes it easy to bank anywhere - and manage your accounts from a smartphone or tablet
- Terms range from 3 months to 5 years
- Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal non-IRA accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.
Quontic Bank • 6 Month CD
Interest Rate Breakdown
| Balance | APY |
|---|---|
| $500+ | 3.75% |
- Minimum to Open: $500
Additional Info
- No monthly service fee
- FDIC Insured to the maximum legal limits
- Only $500 required to open








