Join Yield Learn More

This is huge.

With Yield you can now secure jaw dropping yields never before seen!

•Earn 5.00% APY1 (annual percentage yield) with our Super High-Yield Savings Account® when you become a Yield Plus member.

•Earn 12.00% APY1 (annual percentage yield) with our Mega High-Yield Term Deposit® offering when you become a Yield Plus member.

Our Mega High-Yield Term Deposit® offering offers yield investors up to 12% APY1 with full insurance protection!

While other investors are battling the wildly unpredictable capital markets, you can sit back and enjoy an S&P besting guaranteed rate of return w/ full insurance protection from AM Best top rated insurance carriers.

Remember You don’t have to chase the wildly unpredictable and whimsical returns offered by the stock market! Nor do you need to accept the paltry yields most standard annuities or bank CDs typically offer in exchange for a guaranteed fixed rate product!

Our Mega High-Yield Term Deposit® offering(s) are the perfect alternative to risky S&P linked funds and ETFs as well as annuities with an APY less then 1/2 of what you would earn with our mega term deposit product.

The S&P index which acts as the benchmark of performance of the U.S. stock market overall, dating back to the 1920s has returned a historic annualized average return of only 11.88% since its 1957 inception through the end of 2023, and over a dozen of those years ended in negative returns. Why take the risk! 

With Yield you can now enjoy double digit returns with absolute principal and interest protection from top rated insurance carriers.

Check out our varying length Mega High-Yield Term Deposit® options with full insurance protection with staggering yields ranging from 8% to 12% APY -HERE

We know what your thinking… Your welcome.

Featured in:

Yield Plus: Get the best of Yield for just $10 a month

Yield Plus is a membership that gives you the best rates and tools that Yield has to offer, including:


APY1 so you can save stronger

Up to 10%

cash back2 on purchases with the Owner’s Rewards Card by Yield

Up to 12%

The Mega High-Yield Term Deposit® with double digit yields and full insurance protection from insurance carriers with top ratings from AM Best.

See how Yield Plus adds up

The Ultimate in Account and Investment Protection to give you the Ultimate piece of mind.

Member of SIPC. Securities in your account protected up to $500,000. For details, please see

All Yield High-Yield Savings Accounts deposits are FDIC-insured up to an aggregate total of $5 million dollars.

The Mega High-Yield Term Deposit® or other investment opportunities offered directly by Yield.Inc or any wholly owned subsidiaries which are not covered by SiPC or FDIC insurance are fully insured by top rated insurance carriers that carry a minimum rating of B++ or higher from the credit rating agency AM Best. 

These investment grade insurance and reinsurance carriers issue absolute protection of both principal and interest accrued up to $10 million dollars (10,000,000 USD) for any of our term deposit offerings.

Yield.Inc is a fintech which is on the cutting edge of technology and utilizes the top encryption and leverages the latest in information security to keep your private financial information completely secure.

Join hundreds of thousands
who trust us with $6 billion

Information as of June 2023

Best for Sophisticated Investors and Low Costs

(Investopedia, 2023)

Best Investment 
App for Portfolio Customization

(Insider, 2023)

One of the best robo-advisors of 2023 

(Bankrate, 2023)

One of the best Roth IRAs

(Fortune, 2023)

Build and manage your wealth, your way

Join Yield

Our customers do not require a minimum account balance in order to obtain a stated APY (annual percentage yield). Additionally our customers are not required to open a savings account nor are they required to maintain a minimum account balance. Stated APY is valid from date of account opening. Account fees may reduce earnings. Higher APY rate subject to paid Yield Plus subscription. Rates are subject to change.

2  1.5% – 10% Owner’s Rewards cash back earned on eligible purchases subject to a maximum of $200 cash back per calendar month. Cash back rates of 2.5% – 10% require an active Yield Plus subscription (billed at $95 annually or at $10 monthly).

3 Evolve Bank & Trust is both members of FDIC and do not individually provide more than $250,000 of FDIC insurance per legal category of account ownership as described in FDIC regulations. Additional FDIC insurance coverage is provided through what is called an Insured Deposit Network Program involving other FDIC insured depository institutions. Deposits may be insured up to $5,000,000 through that Insured Deposit Network Program. Full terms of the Program can be found at and a complete list of participating banks in the program can be found at

4 Sources: &

APR ranges from 19.99% – 29.99% based on creditworthiness of the applicant. APR will vary with the market based on the Prime Rate. There is no Annual Fee for the Owner’s Rewards Card. Rates as of June 2, 2023.

*Lowest fixed rates available to Yield Plus members only, subject to credit history, income, term of loan, and other factors.

*Yield Plus is a paid membership that confers benefits for products and services offered by Yield Finance LLC, Yield Spend LLC and Yield Digital LLC, each a separate, affiliated, and wholly-owned operating subsidiary of Yield,Inc. “Yield” refers to Yield,Inc., and its affiliates.

^Rates are not guaranteed and are subject to change. Not all applicants qualify for the lowest available rate.