Bank Smartly® Savings
Open a Bank Smartly® Savings account to earn more money on your money.
Use the savings balance ranges to skip to your relationship tier. Each relationship tier has a minimum balance. The displayed Annual Percentage Yield (APY) and interest rates are effective as of 1March 17, 2025 for ZIP code 55402. (Edit ZIP code)
Bank Smartly® Savings account balance Under $5,000 |
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Standard interest rate | Standard APY |
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0.05% | 0.05% |
Relationship rates with qualifying product(s) |
Combined qualifying balances | Interest rate bump | Total interest rate | Total APY |
---|---|---|---|
Under $5,000 | 0.95% | 1.00% | 1.00% |
$5,000 to $24,999.99 | 2.42% | 2.47% | 2.50% |
$25,000 to $49,999.99 | 2.91% | 2.96% | 3.00% |
$50,000 to $99,999.99 | 2.91% | 2.96% | 3.00% |
$100,000+ | 3.39% | 3.44% | 3.50% |
Bank Smartly® Savings account balance $5,000 to $24,999.99 |
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Standard interest rate | Standard APY |
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0.05% | 0.05% |
Relationship rates with qualifying product(s) |
Combined qualifying balances | Interest rate bump | Total interest rate | Total APY |
---|---|---|---|
$5,000 to $24,999.99 | 2.42% | 2.47% | 2.50% |
$25,000 to $49,999.99 | 2.91% | 2.96% | 3.00% |
$50,000 to $99,999.99 | 2.91% | 2.96% | 3.00% |
$100,000+ | 3.39% | 3.44% | 3.50% |
Bank Smartly® Savings account balance $25,000 to $49,999.99 |
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Standard interest rate | Standard APY |
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0.05% | 0.05% |
Relationship rates with qualifying product(s) |
Combined qualifying balances | Interest rate bump | Total interest rate | Total APY |
---|---|---|---|
$25,000 to $49,999.99 | 2.91% | 2.96% | 3.00% |
$50,000 to $99,999.99 | 2.91% | 2.96% | 3.00% |
$100,000+ | 3.39% | 3.44% | 3.50% |
Bank Smartly® Savings account balance $50,000 to $99,999.99 |
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Standard interest rate | Standard APY |
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0.05% | 0.05% |
Relationship rates with qualifying product(s) |
Combined qualifying balances | Interest rate bump | Total interest rate | Total APY |
---|---|---|---|
$50,000 to $99,999.99 | 2.91% | 2.96% | 3.00% |
$100,000+ | 3.39% | 3.44% | 3.50% |
Bank Smartly® Savings account balance $100,000+ |
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Standard interest rate | Standard APY |
---|---|
0.05% | 0.05% |
Relationship rates with qualifying product(s) |
Combined qualifying balances | Interest rate bump | Total interest rate | Total APY |
---|---|---|---|
$100,000+ | 3.39% | 3.44% | 3.50% |
Take our rates for a test run.
Using the savings calculator, choose your estimated balances to reveal your savings interest rate and your additional bump rate. Adjust your balances to see how you earn more as your Combined Qualifying Balances grow. Your options update according to the information you provide. FYI: The displayed Annual Percentage Yield (APY) and interest rates are effective as of March 17, 2025 for ZIP code 55402. (Edit ZIP code)
Estimate how much you’ll maintain in your new savings account.
For higher relationship rates, you’ll need a U.S. Bank Smartly® Checking, Safe Debit account or Bank SmartlyTM Visa Signature® card. Do you have one?
Select your answers and calculate your rate to see how your savings interest rate grows.