KeyBank

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.key.com

216-689-8481

127 Public Square
Cleveland, OH 44144

Written by Melanie Pincus | Edited by Ali Cybulski | Updated on 07/03/2025

Cleveland, Ohio-based KeyBank is one of the 30 largest commercial banks in the country. Founded in 1825, the bank operates a network of branches and ATMs in 16 states.

KeyBank serves individuals and businesses and provides wealth management services.

Checking accounts: KeyBank offers four consumer checking accounts and five small-business checking accounts. Two of the consumer checking accounts have no monthly maintenance fee, and the third has a $25 fee that can be waived if you meet certain requirements. The fourth is designed for clients who keep high balances across their KeyBank accounts. The business accounts range from a basic low-fee option to a rewards checking account.
Savings accounts: KeyBank provides three consumer savings accounts, including a health savings account (HSA) and a savings account designed for kids. You’ll need a KeyBank checking account to get the monthly maintenance fee waived on the Key Active Saver account. A waiver of maintenance fees is available on the two small-business savings accounts if you meet monthly balance requirements.
Money market accounts: KeyBank has one consumer money market account, which requires a $5,000 opening deposit. You’ll need a $25,000 balance to get the best rate and have the monthly maintenance fee waived.
Certificates of deposit (CDs): A range of short- and long-term CDs is available from KeyBank. To get the best rate on your CD, you may need to qualify for KeyBank’s Relationship Rewards interest rate. KeyBank also offers small-business CDs in many terms and jumbo CDs, which require a $100,000 minimum opening deposit.

Customer service: Help is available by phone or via the bank's virtual assistant chat feature. Use the virtual assistant 24/7 to ask banking questions; it can connect you with live phone help from 7 a.m. to midnight Eastern time on weekdays and from 8 a.m. to 9 p.m. ET on weekends. You can also call 800-539-1539 during those hours to ask questions, or use KeyBank’s 24/7 customer service line at 800-539-2968.

The bank’s mobile app allows you to check balances, deposit checks and more.

KeyBank has an A+ rating from the Better Business Bureau. It has a 1.4-star poor rating on Trustpilot, based on more than 140 reviews.

Pros and cons of KeyBank

PROS

• Gives you access to a variety of checking and savings accounts

• Offers robust online and mobile banking tools

• Provides a wide range of CD terms

CONS

• Does not offer a high-yield savings account

• Operates branches in just 16 states

• Requires high minimum opening deposits on some consumer accounts

Reviews (39)

Best Bank

Posted by: KPhillips | Nov 16, 2022

I am so happy with this bank. I never have to worry about overdrafting and my account is completely free.
The only downside is there is only one branch and atm in the city I live in that are both 45 minutes away from me.
The staff have been so kind and helpful in person as well as over the phone.

Anti People Of Size

Posted by: REMONSTER | Apr 26, 2024

I agree with you. I am a person of size. When I go into my local branch I see them look at me in a disgusted manner, just because I do not adhere to their idea of a normal person. Well I AM a normal person, a normal person of size.

I will be moving my disability payment check to another bank that respects my weight and values me as a person.

Comment

Solid Bank

Posted by: T210DRVR | Sep 6, 2023

The best bank we've ever had. Excellent communication and service at our local branch. They used to be on the low end of interest paid on CD's and savings. Since the banking crises they are offering very attractive rates. Highly recommend!

I Love Keybank

Posted by: ILoveKeybank | Apr 4, 2023

I LOVE KEYBANK… I love when I drive past Keybank on exit 333 and i see the big, bright, glorious, red key.

Comment

VIEW MORE REVIEWS

Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	17534
Year Established	1849
Employees	17653
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.05%
Return on Equity - YTD	11.22%
Annual Interest Income	$2.05B

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$185.8B$185.2B
Loans	Q1 2025vs Q1 2024	$104.4B$108.9B
Deposits	Q1 2025vs Q1 2024	$155.8B$147.7B
Equity Capital	Q1 2025vs Q1 2024	$17.89B$14.75B
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.44B$1.56B
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$780.1MM$785.8MM
Real Estate Owned	Q1 2025vs Q1 2024	$15.6MM$21.6MM

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Skip to rates for:

Savings
Money Market
Checking
CD
IRA

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Always verify rates and promotions with the bank or credit union. We are not KeyBank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

KeyBank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.01%^†	$0	-	KeyBank Health Savings Account
0.01%^†	$0	-	Key Business Saver
0.01%^†	$0	-	Key Active Saver

KeyBank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.28%^*^†	$5k^*	-	Key Business Select Money Market Savings Relationship Rates
OTHER TIERS: 0.05% → $0 - $5k
2.28%^*^†	$5k^*	-	Key Select Money Market Relationship Rates
OTHER TIERS: 0.05% → $0 - $5k
0.50%^*^†	$25k^*	-	Key Business Select Money Market
OTHER TIERS: 0.05% → $0 - $5k \| 0.25% → $5k - $25k
0.50%^*^†	$25k^*	-	Key Select Money Market
OTHER TIERS: 0.05% → $0 - $5k \| 0.25% → $5k - $25k
0.05%^†	$0	-	IRA Money Market Account

KeyBank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%^†	$0	-	Key Select Checking
0.01%^†	$0	-	KeyBank Business Interest Checking

KeyBank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%^*^†	$10k^*	$100k	8 Month Tiered CD - Relationship Special
OTHER TIERS: 3.25% → $2.5k - $10k
3.50%^†	$100k	$500k	8 Month Key Jumbo CD - Relationship Special
3.25%^*^†	$10k^*	$100k	8 Month Tiered CD Special
OTHER TIERS: 3.00% → $2.5k - $10k
3.25%^†	$100k	$500k	8 Month Key Jumbo CD Special
3.00%^*^†	$10k^*	-	23 Month Tiered CD - Relationship Special
OTHER TIERS: 2.75% → $2.5k - $10k
3.00%^†	$100k	$500k	23 Month Key Jumbo CD - Relationship Special
2.75%^*^†	$10k^*	-	23 Month Tiered CD Special
OTHER TIERS: 2.50% → $2.5k - $10k
2.75%^†	$100k	$500k	23 Month Key Jumbo CD Special
0.05%^†	$2.5k	$100k	60 - 89 Day Key Short Term CD
0.05%^†	$2.5k	$100k	90 - 119 Day Key Short Term CD
0.05%^†	$2.5k	$100k	120 - 149 Day Key Short Term CD
0.05%^†	$2.5k	$100k	6 Month Tiered CD
0.05%^†	$2.5k	$100k	12 Month Tiered CD
0.05%^†	$2.5k	$100k	36 Month Tiered CD
0.05%^†	$2.5k	$100k	48 Month Tiered CD
0.05%^†	$2.5k	$100k	5 Year Tiered CD
0.05%^†	$2.5k	$100k	6 Year Tiered CD
0.05%^†	$2.5k	$100k	7 Year Tiered CD
0.05%^†	$100k	$500k	30 - 59 Day Key Jumbo CD
0.05%^†	$100k	$500k	60 - 89 Day Key Jumbo CD
0.05%^†	$100k	$500k	90 - 119 Day Key Jumbo CD
0.05%^†	$100k	$500k	120 - 149 Day Key Jumbo CD
0.05%^†	$100k	$500k	6 Month Key Jumbo CD
0.05%^†	$100k	$500k	12 Month Key Jumbo CD
0.05%^†	$100k	$500k	36 Month Key Jumbo CD
0.05%^†	$100k	$500k	48 Month Key Jumbo CD
0.05%^†	$100k	$500k	5 Year Key Jumbo CD
0.05%^†	$100k	$500k	6 Year Key Jumbo CD
0.05%^†	$100k	$500k	7 Year Key Jumbo CD
0.05%^†	$100k	$500k	120 - 149 Day Key Jumbo CD - Relationship
0.05%^†	$100k	$500k	30 - 59 Day Key Jumbo CD - Relationship
0.05%^†	$100k	$500k	6 Month Key Jumbo CD - Relationship
0.05%^†	$100k	$500k	60 - 89 Day Key Jumbo CD - Relationship
0.05%^†	$100k	$500k	90 - 119 Day Key Jumbo CD - Relationship
0.05%^†	$2.5k	$100k	60 - 89 Day Key Short Term CD - Relationship
0.05%^†	$2.5k	$100k	90 - 119 Day Key Short Term CD - Relationship
0.05%^†	$2.5k	$100k	120 - 149 Day Key Short Term CD - Relationship
0.05%^†	$2.5k	$100k	6 Month Tiered CD - Relationship
0.05%^†	$100k	$500k	12 Month Key Jumbo CD - Relationship
0.05%^†	$2.5k	$100k	12 Month Tiered CD - Relationship
0.05%^†	$100k	$500k	24 Month Key Jumbo CD - Relationship
0.05%^†	$2.5k	$100k	24 Month Tiered CD - Relationship
0.05%^†	$100k	$500k	36 Month Key Jumbo CD - Relationship
0.05%^†	$2.5k	$100k	36 Month Tiered CD - Relationship
0.05%^†	$100k	$500k	48 Month Key Jumbo CD - Relationship
0.05%^†	$2.5k	$100k	48 Month Tiered CD - Relationship
0.05%^†	$100k	$500k	5 Year Key Jumbo CD - Relationship
0.05%^†	$2.5k	$100k	5 Year Tiered CD - Relationship
0.05%^†	$100k	$500k	6 Year Key Jumbo CD - Relationship
0.05%^†	$2.5k	$100k	6 Year Tiered CD - Relationship
0.05%^†	$100k	$500k	7 Year Key Jumbo CD - Relationship
0.05%^†	$2.5k	$100k	7 Year Tiered CD - Relationship
0.05%^†	$2.5k	$100k	24 Month Tiered CD
0.05%^†	$100k	$500k	24 Month Key Jumbo CD
0.05%^†	$2.5k	$100k	7-31 Day Key Short Term CD
0.05%^†	$2.5k	$100k	32-59 Day Key Short Term CD
0.05%^†	$2.5k	$100k	150-179 Day Key Short Term CD
0.05%^†	$2.5k	$100k	7-31 Day Key Short Term CD - Relationship
0.05%^†	$2.5k	$100k	32-59 Day Key Short Term CD - Relationship
0.05%^†	$2.5k	$100k	150-179 Day Key Short Term CD - Relationship
0.05%^†	$2.5k	$100k	8 Year Tiered CD
0.05%^†	$2.5k	$100k	9 Year Tiered CD
0.05%^†	$2.5k	$100k	10 Year Tiered CD
0.05%^†	$2.5k	$100k	8 Year Tiered CD - Relationship
0.05%^†	$2.5k	$100k	9 Year Tiered CD - Relationship
0.05%^†	$2.5k	$100k	10 Year Tiered CD - Relationship
0.05%^†	$100k	$500k	7-13 Day Key Jumbo CD
0.05%^†	$100k	$500k	14-29 Day Key Jumbo CD
0.05%^†	$100k	$500k	150-179 Day Key Jumbo CD
0.05%^†	$100k	$500k	8 Year Key Jumbo CD
0.05%^†	$100k	$500k	9 Year Key Jumbo CD
0.05%^†	$100k	$500k	10 Year Key Jumbo CD
0.05%^†	$100k	$500k	7-13 Day Key Jumbo CD - Relationship
0.05%^†	$100k	$500k	14-29 Day Key Jumbo CD - Relationship
0.05%^†	$100k	$500k	150-179 Day Key Jumbo CD - Relationship
0.05%^†	$100k	$500k	8 Year Key Jumbo CD - Relationship
0.05%^†	$100k	$500k	9 Year Key Jumbo CD - Relationship
0.05%^†	$100k	$500k	10 Year Key Jumbo CD - Relationship

KeyBank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%^*^†	$10k^*	-	8 Month Tiered IRA Special - Relationship
OTHER TIERS: 3.25% → $1k - $10k
3.25%^*^†	$10k^*	-	8 Month Tiered IRA Special
OTHER TIERS: 3.00% → $1k - $10k
3.00%^*^†	$10k^*	-	23 Month Tiered IRA Special - Relationship
OTHER TIERS: 2.75% → $1k - $10k
2.75%^*^†	$10k^*	-	23 Month Tiered IRA Special
OTHER TIERS: 2.50% → $1k - $10k
0.11%^†	$1k	-	18 Month Variable Rate CD IRA
0.05%^†	$1k	-	6 Month Tiered IRA
0.05%^†	$1k	-	6 Month Tiered IRA - Relationship
0.05%^†	$1k	-	12 Month Tiered IRA
0.05%^†	$1k	-	12 Month Tiered IRA - Relationship
0.05%^†	$1k	-	24 Month Tiered IRA
0.05%^†	$1k	-	24 Month Tiered IRA - Relationship
0.05%^†	$1k	-	36 Month Tiered IRA
0.05%^†	$1k	-	36 Month Tiered IRA - Relationship
0.05%^†	$1k	-	48 Month Tiered IRA
0.05%^†	$1k	-	48 Month Tiered IRA - Relationship
0.05%^†	$1k	-	5 Year Tiered IRA
0.05%^†	$1k	-	5 Year Tiered IRA - Relationship
0.05%^†	$1k	-	6 Year Tiered IRA
0.05%^†	$1k	-	6 Year Tiered IRA - Relationship
0.05%^†	$1k	-	7 Year Tiered IRA
0.05%^†	$1k	-	7 Year Tiered IRA - Relationship
0.05%^†	$1k	-	8 Year Tiered IRA
0.05%^†	$1k	-	8 Year Tiered IRA - Relationship
0.05%^†	$1k	-	9 Year Tiered IRA
0.05%^†	$1k	-	9 Year Tiered IRA - Relationship
0.05%^†	$1k	-	10 Year Tiered IRA
0.05%^†	$1k	-	10 Year Tiered IRA - Relationship

KeyBank

PROS

CONS

Best Bank

Anti People Of Size

Solid Bank

I Love Keybank

Data as of Q1 2025

Health Grade Components

KeyBank Savings Account Rates

KeyBank Money Market Rates

KeyBank Checking Account Rates

KeyBank CD Rates

KeyBank IRA Rates

Availability

Cleveland Area