FDIC Insured · Est. 2019 · 4.85% APY

$100,000 deposited · 1 year · Yield Premium 60+

$100,000

vs. $100,460 at national average (0.46% APY)

Their rate+$460Your rate+$4,850

Your savings worked for decades.
Now make them work harder.

Higher APYs, no maintenance fees, and the kind of personal service that picks up on the second ring.

$2.4B+
Deposits Protected
47,000+
Account Holders
4.9 / 5
Average Rating
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Interactive Calculator

See exactly what you're leaving on the table

Adjust the numbers below. The gap between columns is real money.

$100,000
$10K$500K
0.46%
0.01%National Avg: 0.46%4.00%
3 Years

After 3 Years with Yield

$115,267

vs. $101,386 at 0.46%

+$13,881 more earned

Projected Growth

Yield 4.85% APY vs. your current 0.46%

Yield
Current
* Assumes consistent APY. Rates subject to change.Open Account →
Account Tiers

Three tiers, zero confusion

Every feature listed. Every fee shown. No asterisks requiring a magnifying glass.

Standard

4.25%

APY · Min $1,000

Most Popular

Premium

4.65%

APY · Min $25,000

Premium 60+

4.85%

APY · Age 60+ · Min $10K

Annual Percentage YieldKey
4.25% APY
4.65% APY
4.85% APY
Minimum Opening Deposit
$1,000
$25,000
$10,000
Monthly Maintenance Fee
FDIC Insurance
Free ATM Withdrawals
2/month
Unlimited
Unlimited
Dedicated Advisor Access
Paper Statement Option
Customer Service Hours
M–F 9–5 EST
M–Sa 8–8 EST
7 days, 7am–9pm
Rate Guarantee Period
30 days
60 days
90 days
Early Withdrawal Penalty
Priority Phone Callback
Estate Settlement Support

* "No fee" means $0 monthly maintenance. All APYs are variable and current as of February 2026. FDIC insured up to $250,000.

Real Account Holders

The math, in their own words

Margaret
Robert
Dorothy
Harold
4.9 / 5
from 12,400+ reviews

"After my husband passed, I had six accounts at four banks. Yield helped me consolidate everything in one afternoon. The advisor on the phone knew exactly what questions to ask."

Margaret, 72, Tucson

Margaret, 72

Tucson, AZ

+$4,850 / yr

Premium 60+

"I've been retired three years and still reviewing my options. Yield's rate is the best I've found, and the fact that I can call a real person on Saturday morning sealed it."

Robert, 68, Boise

Robert, 68

Boise, ID

+$3,720 / yr

Premium

"My old bank was paying 0.01%. When I showed my daughter the numbers, she didn't believe me. We moved $180,000 in the same week."

Dorothy, 74, Savannah

Dorothy, 74

Savannah, GA

+$8,730 / yr

Premium 60+

"Still working at 63, but my emergency fund shouldn't be sitting still. Moved it to Yield Standard and it's earning more than my old savings account was in five years."

Harold, 63, Columbus

Harold, 63

Columbus, OH

+$2,125 / yr

Standard

"After my husband passed, I had six accounts at four banks. Yield helped me consolidate everything in one afternoon. The advisor on the phone knew exactly what questions to ask."

Margaret, 72, Tucson

Margaret, 72

Tucson, AZ

+$4,850 / yr

Premium 60+

"I've been retired three years and still reviewing my options. Yield's rate is the best I've found, and the fact that I can call a real person on Saturday morning sealed it."

Robert, 68, Boise

Robert, 68

Boise, ID

+$3,720 / yr

Premium

"My old bank was paying 0.01%. When I showed my daughter the numbers, she didn't believe me. We moved $180,000 in the same week."

Dorothy, 74, Savannah

Dorothy, 74

Savannah, GA

+$8,730 / yr

Premium 60+

"Still working at 63, but my emergency fund shouldn't be sitting still. Moved it to Yield Standard and it's earning more than my old savings account was in five years."

Harold, 63, Columbus

Harold, 63

Columbus, OH

+$2,125 / yr

Standard

"The rate lock guarantee for 90 days was what convinced me. I'm not checking interest rates every morning — I want to trust the institution. Yield earned that."

Evelyn, 71, Portland

Evelyn, 71

Portland, OR

+$5,820 / yr

Premium 60+

"I was skeptical about online banking at first. But the paper statements, the phone number that actually connects to someone — it felt like a real bank, not an app."

Walter, 66, Richmond

Walter, 66

Richmond, VA

+$4,185 / yr

Premium

"My financial advisor suggested a CD ladder. Yield's Premium 60+ rate made the math work out better without locking everything up. More flexibility, same safety."

Barbara, 69, Phoenix

Barbara, 69

Phoenix, AZ

+$6,310 / yr

Premium 60+

"Three months in and I've already earned more interest than my previous bank paid in two years. I told my bridge club about it. Four of them opened accounts."

Frances, 77, Charleston

Frances, 77

Charleston, SC

+$7,275 / yr

Premium 60+

"The rate lock guarantee for 90 days was what convinced me. I'm not checking interest rates every morning — I want to trust the institution. Yield earned that."

Evelyn, 71, Portland

Evelyn, 71

Portland, OR

+$5,820 / yr

Premium 60+

"I was skeptical about online banking at first. But the paper statements, the phone number that actually connects to someone — it felt like a real bank, not an app."

Walter, 66, Richmond

Walter, 66

Richmond, VA

+$4,185 / yr

Premium

"My financial advisor suggested a CD ladder. Yield's Premium 60+ rate made the math work out better without locking everything up. More flexibility, same safety."

Barbara, 69, Phoenix

Barbara, 69

Phoenix, AZ

+$6,310 / yr

Premium 60+

"Three months in and I've already earned more interest than my previous bank paid in two years. I told my bridge club about it. Four of them opened accounts."

Frances, 77, Charleston

Frances, 77

Charleston, SC

+$7,275 / yr

Premium 60+

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