We never rest in working to grow your money. We regularly compare and adjust our rates based on data from Bankrate all to make sure you earn yields that start and stay high.
Yield Pledge accounts guarantee top rates plus:
- No monthly maintenance fees
- FDIC insurance
- Always convenient online and mobile access
No more hopping from bank to bank. You can rest easy because we automatically adjust our rates so your yield stays in the top 5% of Competitive Accounts.1
There is no fee or enrollment required for our Yield Pledge promise. It’s automatically included with each Yield Pledge account.
No, the Yield Pledge promise applies to all balances within Yield Pledge accounts.
“Competitive Accounts” are similar accounts from the 10 largest banks and thrifts in 10 large U.S. banking markets. Each week, Bankrate compiles these institutions’ rates and distributes its results to certain institutions on a paid-for basis.
You automatically qualify for the 1-year intro Annual Percentage Yield (APY) when you open your first Yield Pledge Online Savings or Money Market account.
Balances up to $250,000 in a Yield Pledge Online Savings or Money Market account earn a fixed 1-year intro APY. Balances over $250,000 receive a blended APY based on the fixed 1-year intro APY applicable to balances up to $250K and the variable ongoing APY associated with the highest balance tier for the account.
When the 1-year intro Annual Percentage Yield (APY) expires, you’ll earn our current ongoing APYs based on your balance. All ongoing APYs are backed by our Yield Pledge promise to keep your yield in the top 5% of Competitive Accounts across the country.1
Information to keep in mind
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.
The quoted Yield Pledge® Online Savings Account Annual Percentage Yields (APYs) are accurate as of 09/15/2023. This is a variable rate account. Except as described below for accounts eligible for the 1-year introductory APY, the ongoing APY of 4.50% 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 5.00%, and balances of $250,000.01 and up will receive a blended APY ranging from 5.00% to 4.50%, 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.
The quoted Yield Pledge® Online Savings Account Annual Percentage Yield (APY) is accurate as of 09/15/2023. This is a variable rate account and the APY may change without notice. The required minimum opening deposit is $0. Fees may reduce earnings.
National Average APY information as of 09/14/2023, as tracked in Bankrate.com's National Average survey. National Average APYs and terms and conditions can change at any time.
Source: Curinos LLC as of 09/14/2023. 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.
The quoted Yield Pledge® Money Market Account Annual Percentage Yields (APYs) are accurate as of 09/15/2023. This is a tiered, variable rate account. Except as described below for accounts eligible for the 1-year introductory APY, the ongoing APYs and balance tiers apply and may change without notice and the variable ongoing APY applicable to the account each day is determined by the ending daily collected balance as follows: 4.15% for $100,000 and up; 4.05% for $50,000 - $99,999.99; 3.75% for $25,000 - $49,999.99; 3.75% for $10,000 - $24,999.99; and 3.75% for balances under $10,000. The required minimum opening deposit is $0. Fees may reduce earnings.
For first-time Yield Pledge Money Market account holders, balances up to $250,000 will receive a fixed, 1-year introductory APY of at least 4.75%, and balances of $250,000.01 and up will receive a blended APY ranging from 4.75% to 4.15%, which is based on the fixed, 1-year introductory APY applicable to balances up to $250,000 and the applicable 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.
The quoted Yield Pledge® Checking Account Annual Percentage Yields (APYs) are accurate as of 09/15/2023. This is a tiered, variable rate account and the APYs and balance tiers may change without notice. The variable APY applicable to the account each day is determined by the ending daily collected balance as follows: 0.25% for $100,000 and up; 0.25% for $50,000 - $99,999.99; 0.25% for $25,000 - $49,999.99; 0.25% for $10,000 - $24,999.99; and 0.25% for balances under $10,000. The required minimum opening deposit is $100. Fees may reduce earnings.
We do not charge ATM fees and will automatically reimburse you up to $15 for the ATM fees paid at other U.S. ATMs each month, regardless of your account balances with us. For your bank accounts with us that carry a minimum average daily balance of $5,000, ATM fee reimbursement is unlimited. Reimbursement is subject to termination for fraud or abuse and will not apply for the month in which your account is closed. You may also use your bank debit card at Allpoint and MoneyPass ATMs nationwide without incurring a fee. Allpoint is a registered trademark of ATM NATIONAL, LLC. MoneyPass and the MoneyPass logo are registered trademarks of U.S. Bank National Association, doing business as Elan Financial Services.
