Yield Pledge® Online Savings

Higher interest drives higher savings potential

Max out your savings with an impressive rate, no minimum to open, and easy online and mobile access.

  • Guaranteed high yields with our Yield Pledge promiseWe guarantee that your yield will always be high. On a monthly basis, we assess competitor yields and will adjust ours as needed to ensure they’re among the top 5% of Competitive Accounts.1
  • No monthly maintenance fee
  • Mobile check deposits2
  • Move money with internal and external transfers
  • FDIC insured
  • $0 to open

Today's rates

See your earnings potential with a $50,000 deposit.

5.15%

1-year intro APYFirst-year APY reflects a 1-year introductory rate available to first-time online savings clients on balances up to $250K. Ongoing APYs otherwise apply.3

$2,572

1st-year earningsEarnings are illustrative and based on deposit and APY shown over a one-year period with no withdrawals. Actual earnings may differ based on rounding factors and potential changes to the APY.

Unless eligible for the 1-year intro APY, the account will earn the ongoing APY. The current ongoing APY for all balances is 4.75%.

See how we compare

With a $50,000 balance, our APY beats the competition.

APY
EverBank —  1-year introFirst-year APY reflects a 1-year introductory rate available to first-time online savings clients on balances up to $250K. Ongoing APYs otherwise apply.3 5.15%
EverBank — ongoingUnless eligible for the 1-year intro APY, the account will earn the ongoing APY, which is also backed by our Yield Pledge promise.4 4.75%
National average5  0.52%
Bank of America6 0.01%
Wells Fargo6 0.15%

Get ahead with leading rates backed by our promise

Our Yield Pledge promise keeps your yield in the top 5% of Competitive Accounts.1

Smiling food truck owner taking debit card for payment from customer

Gain greater access to your money with Yield Pledge Checking

Yield Pledge Checking comes with our Yield Pledge promise1 and is equipped with a debit card, personal checks, Zelle® plus online bill pay.

Mobile Banking

Our mobile app keeps you in touch with your money

Use the TIAA mobile app to bank on your time and on the go.

Strong and secure

Get serious security for your savings

We protect your information with strong encryption methods, plus we have your back with our Web Safety Guarantee.7

Open online now

Your money’s going to thank you

Set your money on the right course with our seamless online account application.

  1. Apply

    Open your new account online and with ease.

  2. Fund account

    Send an opening deposit by online transfer or mobile deposit.

  3. Start banking

    Set up online banking and watch your money grow.

Fees at a glance

No hidden fees

Keep your earnings growing, not eroding. With our Yield Pledge Online Savings account, you will not be nickel-and-dimed with a monthly maintenance fee or mobile check deposit fee.

Fee TypeFee Amount
Monthly maintenance fee$0
ACH/EFT transaction fee$0
Mobile check deposit fee$0

Frequently asked questions

Yes. Your deposits with us will be FDIC insured up to the standard $250K per depositor for each account ownership category.8 We also employ a wide range of security measures to ensure the safety of your digital information. EverBank has also received industry recognition for safety and financial strength from a number of respected sources.

Information to keep in mind

  1. We promise that the yield on your Yield Pledge® Checking, Money Market and/or Online Savings Account will stay in the Top 5% of Competitive Accounts based on the Bankrate Monitor National Index survey data from the last week of each month. "Competitive Accounts" are similar accounts from the 10 largest banks and thrifts in 10 large U.S. banking markets. This includes data from the 5 largest banks and 5 largest thrifts in each market for which rates are available, except in markets without 5 banks and 5 thrifts. Each week Bankrate surveys these institutions and distributes its results to certain institutions on a paid-for basis. Not all institutions report each week. We reserve the right to change, at any time and without prior notice to you, our Yield Pledge calculation method as necessary to accommodate changes in Bankrate's survey and/or its distribution methodology, including, without limitation, by switching to a different, comparable methodology that may not be based on information from Bankrate.

  2. Must be an existing bank client enrolled in online banking using the TIAA mobile app. See our Mobile Check Deposit Agreement for information on crediting of deposits. Funds availability subject to the terms within our Funds Availability Disclosure. Both are found in your Personal Account Terms, Disclosures and Agreements Booklet.

  3. The quoted Yield Pledge® Online Savings Account Annual Percentage Yields (APYs) are accurate as of 11/24/2023. This is a variable rate account. Except as described below for accounts eligible for the 1-year introductory APY, the ongoing APY of 4.75% applies and may change without notice. The required minimum opening deposit is $0. Fees may reduce earnings.

    For first-time Yield Pledge Online Savings account holders, balances up to $250,000 will receive a fixed, 1-year introductory APY of at least 5.15%, and balances of $250,000.01 and up will receive a blended APY ranging from 5.15% to 4.75%, which is based on the fixed, 1-year introductory APY applicable to balances up to $250,000 and the variable ongoing APY described above. For accounts eligible for the 1-year introductory APY, if the ongoing APY exceeds the quoted 1-year introductory APY, the account will earn the higher, ongoing APY. Former Basic Savings account holders are not eligible for the introductory APY.

  4. The quoted Yield Pledge® Online Savings Account Annual Percentage Yield (APY) is accurate as of 11/24/2023. This is a variable rate account and the APY may change without notice. The required minimum opening deposit is $0. Fees may reduce earnings.

  5. National Average APY information as of 11/22/2023, as tracked in Bankrate.com's National Average survey. National Average APYs and terms and conditions can change at any time.

  6. Source: Curinos LLC as of 11/22/2023. Competitor APY information is obtained from public sources; accuracy and completeness cannot be guaranteed. Competitor data may vary by region and is subject to change at any time. Curinos is not liable for reliance on the data.

  7. Our Web Safety Guarantee provides 100% protection for any funds lost due to unauthorized Online Use or an EverBank mistake. Online Use means any service which is used to initiate monetary transactions using our online banking platform, Online Bill Pay and Mobile Banking. Mobile Banking includes banking from web-enabled phones and other mobile devices. EverBank mistakes are limited to errors made solely by EverBank, and do not include those caused partly or entirely by (a) inaccurate or incomplete information provided by you, (b) your misuse of our services or systems, or (c) your failure to comply with all terms of our agreements with you. For more information about your responsibilities, please see the Online Banking Service Agreement and the Web Safety Guarantee sections in the Account Terms, Disclosures and Agreements Booklet.

  8. EverBank, N.A. is an FDIC-insured national banking association. The standard FDIC insurance limit of $250,000 applies per depositor, per insured depository institution for each account ownership category.

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    Web Safety Guarantee

    Your safety is our priority

    Our Web Safety Guarantee adds an extra layer of protection to your online security, so you can bank with peace of mind.7 Our guarantee provides 100% protection for any funds in your consumer or business deposit accounts that are lost due to unauthorized Online Use or an EverBank mistake. We also cover fees for late bill payments if your payment doesn’t arrive by the delivery date shown in the online bill payment calendar. To qualify for coverage, you’ll need to:

    • Ensure you (or your employees) keep your online access credentials to yourself. Do not share them with anyone. If you suspect that your username, password, token, security code and/or PIN have been lost or stolen, change them and contact us immediately. At any time you may ask us to disable your password and issue a new one to you.
    • Report any unauthorized access or suspicious activity on your account immediately.
    • You (or your employees) should never leave computers or mobile devices unattended while logged in to the EverBank website; always log out completely when finished. To notify EverBank of unauthorized activity, please call Client Solutions or Business Support.

    For more information about your responsibilities, please see the Web Safety Guarantee section in the Terms and Conditions booklet that pertains to you.