Rates

Deposit Balance Required to Earn Rate	APY (Annual Percentage Yield)¹
$0.01-$2,500	1.25%
$2,500.01-$10,000	1.15%
$10,000.01-$50,000	1.00%
$50,000.01+	0.95%

Deposit Balance Required to Earn Rate

APY (Annual Percentage Yield)¹

$0.01-$2,500

1.25%

$2,500.01-$10,000

1.15%

$10,000.01-$50,000

1.00%

$50,000.01+

0.95%

SmartyPig Accounts are offered through Sallie Mae Bank, Member FDIC.

¹Advertised Interest Rates and Annual Percentage Yields (APY) for the SmartyPig Account are variable and may change after account opening, are based on your account balance, apply to personal accounts only, and are accurate as of 07/01/20. The ongoing APYs and Interest Rates associated with different account balances are: If your daily balance is more than $0 but $2,500 or less the interest rate paid on the entire balance in your account will be 1.24% with an annual percentage yield of 1.25%. If your daily balance is more than $2,500 but $10,000 or less the interest rate paid on the entire balance in your account will be 1.14% with an annual percentage yield of 1.15%. If your daily balance is more than $10,000 but $50,000 or less the interest rate paid on the entire balance in your account will be 1.00% with an annual percentage yield of 1.00%. If your daily balance is more than $50,000 the interest rate paid on the entire balance in your account will be 0.95% with an annual percentage yield of 0.95%. Please refer to the SmartyPig Account Terms and Conditions Agreement for details.

SmartyPig Rates

Find Out for Yourself