Let your money earn its keep while it sits still.
High-Yield Savings pays 4.35% APY with no fees and no tiers. Certificates of Deposit lock in a rate for a set term if you want certainty on top of yield.
A rate that keeps up with what things actually cost.
No promotional teaser rate that drops after 90 days — this is the standing rate.
Daily compounding
Interest is calculated and added to your balance every single day, not just monthly.
No minimum balance
Open with any amount and keep earning the full rate no matter how low your balance dips.
Automatic round-ups
Round every debit card purchase up to the nearest dollar and sweep the difference into savings.
Certificates of Deposit
Lock in a fixed rate for 6 months to 5 years if you want to guarantee today's yield.
Pick the term that fits your plans.
CDs pay more the longer you commit — savings stays flexible with no lock-up at all.
| High-Yield Savings | 6-Month CD | 1-Year CD | 5-Year CD | |
|---|---|---|---|---|
| APY | 4.35% | 4.50% | 4.75% | 4.20% |
| Minimum to open | $0 | $500 | $500 | $500 |
| Early withdrawal | Anytime, free | 90 days interest | 180 days interest | 365 days interest |
| Rate guaranteed | Variable | Fixed | Fixed | Fixed |
| Open savings | Open 6-mo CD | Open 1-yr CD | Open 5-yr CD |
Every dollar insured, every rate honored.
FDIC insurance and rate-lock guarantees mean the number you see is the number you get.
FDIC insured to $250,000
Both savings and CD balances are protected by federal deposit insurance.
Rate locked at opening
Once a CD is funded, its rate cannot change for the full term, even if market rates move.
Automatic renewal notice
You get a 10-day heads-up before any CD renews, with time to change your mind.
Questions people actually ask.
The High-Yield Savings rate is variable and can change with market conditions; CD rates are locked for their full term once funded.
An early withdrawal fee equal to a portion of the term's interest applies, as shown in the comparison above.
Yes — many people ladder several CDs with different terms so a portion of their money matures every few months.
Open High-Yield Savings in about six minutes.
No minimum deposit, no monthly fee, interest from day one.
Get started