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Find your current interest rate
Your interest rate plays an important role in how much you earn on your account. Whether you’re tracking your savings growth or reviewing account details, knowing where to find your current interest rate can help you stay informed and make the most of your money.
How to view your current interest rate
You can access your interest rate and current Annual Percentage Yield (APY) securely online or in the mobile app.
- Log in to your account at everbank.com
- You’ll see a summary of your accounts – select the account you want to view
- Select the Show Account Details link below the name of your account
- Within these details, locate Interest Rate or Current APY
- Log in to your account on our mobile app
- You’ll see a summary of your accounts – select the account you want to view
- Select the Show Account Details link below the name of your account
- Within these details, locate Interest Rate or Current APY
Understanding interest rates vs. APY
It helps to understand the clear differences between an interest rate and an Annual Percentage Yield (APY).
Interest rate: An interest rate is the percentage rate at which your money accrues interest without considering compounding. EverBank accounts accrue interest daily.
Annual Percentage Yield: An APY is the total interest paid on your account over a full year, based on both the interest rate and compound interest. The APY might be slightly higher than the interest rate because it compounds throughout the year.
What is compounding interest?
This is interest calculated not only on the money you originally deposit or borrow, but also on the interest that has already been added to that balance. In other words, your money earns interest, and then that interest earns interest too.
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