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High Yield Savings

  • 3.50% APY1, 14x the national average2

  • No minimum balance, no monthly fees3

  • Easy transfers between accounts4

  • Must be paired with a Rewards Checking account

Open Account
FDIC insured up to $250,000 through Cross River Bank, Member FDIC

Grow your money faster with High Yield Savings

It only takes a few minutes to start saving for your future
Excellent APY

3.50% APY1, 14x the national average.2 Reach your goals faster.

All the savings, none of the fees

No monthly account fees, transfer fees, or minimum balance3

Maximize your rewards

High Yield Savings comes paired with a Rewards Checking account4 featuring 2% cash back on common everyday purchases, 1% on everything else5

All the savings, none of the fees

High Yield Savings consistently has one of the highest rates in the nation, with none of the fees that some competitors charge.

High Yield Savings
National Average / Competitor Comparison
Annual Percentage Yield (APY)


Overdraft fees

$34 to $36i

Your interest earnings on a $2,500 deposit



i. Range of overdraft fees based on the following competitors: Chase, Citibank, Bank of America, US Bank

ii. Assumes principal and interest remain on deposit and interest rate and APY do not change. The estimated values are based on a $2,500 savings account, are shown for illustrative and informational purposes only, and may not apply to your individual circumstances.

iii. This reflects the average national savings account interest rate of 0.24% as determined by the FDIC as of November 21, 2022 (FDIC National Rules) and applied to a $2,500 savings account. savings account.

Manage your money on the go


Top-rated mobile app

  • Secure 24/7 access to your money

  • View balances, transfer funds between accounts through Upgrade

  • You’re in control. Set up real-time alerts

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From Upgrade customers

"I have had nothing but the best customer service ever since I became part of the Upgrade family. Keep up the excellent work and customer service."
- Bobby R. Upgrade Customer

275 Battery Street, 23rd FloorSan Francisco, CA 94111, USA

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