Skip to content

Premier Savings

  • Exceptional 4.38% APY on balances of $1000 or more
  • No monthly account fees or transfer fees
  • Secure, 24/7 mobile access to your account
Open Account
fdic-icon
Deposits held at Cross River Bank, Member FDIC, insured up to $250,000. Funds at Participating Institutions eligible for FDIC or NCUA insurance.*

Reach your goals faster with Premier Savings

A savings account to fit your ambitions and your life
Exceptional APY

Earn 4.38% APY on balances of $1000 or more. Start saving for your future now.

All the savings, none of the fees

No monthly account fees or transfer fees

24/7 access

Secure, 24/7 mobile access to your account

Maximum savings, zero fees

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

Premier Savings
National Average / Competitor Comparison
Annual Percentage Yield (APY)
4.38%1

0.35%iii

Monthly fees
$0

$12 to $25i

Your interest earnings on a $2,500 deposit

$109 ii

$8iii

i. Range of monthly account fees based on the following competitor products as of January 11, 2023: Chase Premier Savings, TD Select Savings, Wells Fargo Platinum Savings. Account terms may allow for fee waivers when meeting certain conditions.

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 amount, 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 0.35% as determined by the FDIC as of February 21, 2023 (FDIC National Rates) and applied to a $2,500 savings amount.

Manage your money on the go

help

Top-rated mobile app

  • Secure 24/7 access to your money
  • View balances, transfer funds between accounts
  • You’re in control. Set up real-time alerts
Apple PayGoogle Pay

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

Not for payments. Payment address can be found here.

Looking to Invest? Contact us at
moc.edargpu@rotsevni

For other inquiries, contact us at
moc.edargpu@tcatnoc

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

*When you sign up for the Premier Savings product through Upgrade, you will open a Premier Savings account at Cross River Bank, Member FDIC under the terms of your Savings Deposit Account Agreement and agree to participate in a custodial deposit program offered by Upgrade and Cross River Bank (the “Program”). Under the Program, Cross River Bank may, as your agent and custodian, place some or all of your funds from your Premier Savings account with another depository institution or credit union (each a “Participating Institution”) under the terms of your Custodial and Agency Agreement. Each Participating Institution is either an insured depository institution at which deposits are insured by the FDIC or a credit union at which share accounts are insured by the NCUA Share Insurance Fund, subject to applicable limits. Your funds at Cross River Bank and at a Participating Institution are eligible for FDIC or NCUA insurance coverage up to $250,000 per ownership category and per institution. You will be responsible for monitoring the total amount of deposits that you hold with Cross River Bank and any Participating Institution to determine the extent of FDIC or NCUA insurance coverage available to you. You will be able to check your Upgrade dashboard to determine the amount of your funds on deposit at Cross River Bank and any Participating Institution under the Program. For more information on the Program, please refer to the Custodial and Agency Agreement.

1 This Annual Percentage Yield (APY) is effective as of March 15, 2023. The APY for the Premier Savings account is variable and may change at any time..

Copyright 2023 Upgrade, Inc.
All rights reserved.

Upgrade is a financial technology company, not a bank. Checking and savings accounts provided by Cross River Bank, Member FDIC. Upgrade VISA® Debit Cards issued by Cross River Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Upgrade, Inc. BBB Business ReviewTrustedSite Certification Badge