A paradigm shift for your savings

Your savings account at Yield offers you more than just the highest interest rates available


Your accounts are FDIC-insured up to $5 million.3

Save automatically

Set up and pre-schedule contributions to your savings account so you’re always inching closer toward long-term goals.

Integrates with Yield.inc

It’s easier to take in the big picture of your finances with more of your money and investments all in one app with all the features you’ve dreamed of.

Open an account

Americans lost out on $603 billion

in interest over the last 8 years by sticking with big banks

Source: WSJ *

starting at

0.01% APY

starting at

0.01% APY

starting at

0.05% APY

starting at

0.15% APY

Competitor rates retrieved from each institution’s website in May 2023.

So, what is really going on with my money?

When you put your money with a big bank, the majority of the interest earned on your funds isn’t going back to you. Instead, your money is aiding large banks further their own interests instead of yours.

The highest interest for your interests

What does “5.00% APY1” really mean to me? Assume that you make a deposit of $25,000 up front and add $200 each month.*

The Interest you’ve earned after 1 years of saving

*For illustrative purposes only. APY rate subject to change.

Frequently asked

Don’t see your question here?

Get more answers in our Help Center

We don’t spend our budget on big stadiums, celebrity spokespeople, or any of those other stunts the big banks pull. Instead, we’re economical with our spending — which means we can prioritize paying our clients the interest they deserve.

No. Every FDIC-insured savings account has the same amount of security. Whether your money is in a Yield Super High Yield Savings Account or a different FDIC-insured account at another bank, it’s insured by the same protections. Yield Super High-Yield Savings Account are insured up to $5 million.3

Yield.Inc members earn 5.00% APY1 with our High Yield Savings Account (membership is $95/year). If you are not an Yield.Inc member, you can open a High Yield Savings Account and earn 1.50% APY1 on your balance. Learn more about Yield Plus

Yield is not a bank. Yield Spend is a wholly-owned operating subsidiary of Yield.Inc. Yield High-Yield Savings Accounts are furnished by Evolve Bank & Trust.

¹Obtaining stated APY (annual percentage yield) or opening a savings account does not require 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 National average is 0.39% APY as of April, 2023. Obtained from the FDIC.

3 Evolve Bank & Trust is a member FDIC institution and does not itself 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 an Insured Deposit Network Program involving other FDIC insured depository institutions. Deposits may be insured up to $5,000,000 through an Insured Deposit Network Program. Full terms of the Program can be found at Yield.inc/legal/agreements/HYSA_Agreement and a complete list of participating banks in the program can be found at Yield.inc/legal/agreements/depositnetwork

*Source: https://www.wsj.com/video/series/dion-rabouin/americans-lost-603-billion-by-sticking-with-big-banks-heres-how/0A3AD04B-4094-4F39-A9B6-A4781CE1E247