Savings Accounts
More interest means more savings.
Searching for great rates? Relax, you’ve just found them.
Financial goals? How about a savings boost that can help you more quickly achieve them? As a digital bank, we deliver rates above the national average*, plus you can apply online for in minutes. And as a FDIC-insured** bank, you never have to worry about where your money will be tomorrow. What can we say? We like making the impossible possible.
Rates last updated 12/11/2025. Rates are subject to change on any day and will be updated by 10:00 AM EST. Please be sure to check this page after 10:00 AM EST for the rate that will be honored today. Fees may reduce earnings on account. Interest is calculated using the daily balance method and compounds monthly. There is no balance requirement to obtain the annual percentage yield disclosed. For additional information, visit our Disclosures page.
*As of 3/16/2026, the national average annual percentage yield (APY) for Money Market Savings accounts is 0.56%, as published in the FDIC’s Weekly National Rates and Rate Caps; average rate used is for deposits up to $1,000,000. The minimum average daily balance to avoid a fee for a Money Market Savings account is $4,000. Rates are subject to change. Fees may reduce earnings on the account. Interest earned assumes entire amount remains on deposit.
**Deposits are FDIC insured up to $250,000 per depositor for each account ownership category. To learn more, visit www.fdic.gov.
+As recognized by GOBanking Rates 2025
Money Market Savings
An award-winning+ account, brought to you by an industry-revolutionizing bank.
Open Account| Open with as little as | $100 |
| Annual Percentage Yield 3.09% with a daily balance of $1,000,000 or less 3.64% with a daily balance above $1,000,000 | 3.09% 3.64% |
| Interest rate 3.05% with a daily balance of $1,000,000 or less 3.58% with a daily balance above $1,000,000 | 3.05% 3.58% |
| Monthly maintenance fee | $5 |
| Average daily balance to avoid fee | $4,000 |
| ATM surcharge rebate Up to $10 per month | YES |
Free Savings
Free means free. No hidden fees. No restrictions. And no reason to wait.
Open Account| Open with as little as | $25 |
| Annual Percentage Yield | 0.80% |
| Interest rate | 0.80% |
| Monthly maintenance fee | None |
| Average daily balance to avoid fee | None |
| ATM surcharge rebate Up to $10 per month | Yes |
5X the national average*.
5X the possibilities.
Your First Internet Bank Money Market Savings account will earn you 3.09% APY for account balances under $1,000,000. That means your earnings, and your dreams, can really multiply.
Open Account*As of 3/16/2026, the national average annual percentage yield (APY) for Money Market Savings accounts is 0.56%, as published in the FDIC’s Weekly National Rates and Rate Caps; average rate used is for deposits up to $1,000,000. The minimum average daily balance to avoid a fee for a Money Market Savings account is $4,000. Rates are subject to change. Fees may reduce earnings on the account. Interest earned assumes entire amount remains on deposit.
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