Ally Ups Savings Account Rate & Emails Customers of Payback Earnings


Deal Summary: Rate increase: Online Savings (2.20% APY on all balances as of 1/17/2019)

Availability: Nationwide (internet bank)

This morning, Ally Bank increased the rate of its Online Savings Account (OSA) by 20 basis points to 2.20% APY. Ally’s IRA Online Savings Account also had this same rate hike. The 2.20% APY is effective as of 1/17/2019. These were the only rate hikes at Ally Bank today.

2.20*%--Ally BankIRA Online Savings Account (Traditional, Roth, SEP)
2.20*%--Ally BankOnline Savings Account
Rates as of March 25, 2019.

Payback Time Promotion Earnings Emails

Yesterday, Ally Bank notified customers who participated in the Payback Time promotion of the bonus they earned. Here’s an excerpt of the email with personal info redacted:

Hi, [name]. At Ally Bank, we're all about delivering on better, and what's better than a little payback? As a thanks for taking advantage of our Payback Time promotion, a cash bonus of [$$$$] will be deposited into your account ending in [1234] on or around February 5, 2019.

Thank you again for letting us be an ally for your financial well-being. This is just the start of our commitment to deliver better for any need you have, 24/7.

Your path to Payback Time:

In October Ally launched its Payback Time promotion that offered both new and existing customers an opportunity to earn up to $1,000 in cash bonus on top of the interest earned. There were concerns about several details of the promotion. It appeared that if customers weren’t careful, they might receive a smaller bonus than expected. Based on the reports that I’ve seen, customers who participated in this promotion have been happy with the reported bonus amount listed in these Payback promotion emails.

For those who participated in the promotion, was the reported bonus what you expected?

Online Savings Account Rate

Ally Bank was a little late with this rate increase. It has been over two months since the last rate increase (November 15th). At least it was a large increase, the APY rising 20 bps. This is the largest one-day rate hike of the OSA since we’ve been tracking the OSA. Perhaps Ally wanted to wait to the end of the Payback promotion before hiking the rate in hopes that it will encourage customers to keep their money at Ally.

This rate increase places Ally Bank in the middle of the pack of the large and well-established internet banks. The list below shows how the large and well-established internet banks have increased rates around the time of the last two Fed rate hikes. The Fed rate hikes are in bold, and the Ally rate hikes are in purple.

  • Jan 17: Ally Bank Online Savings: 2.20% APY
  • Jan 11: Discover Bank Online Savings: 2.10% APY
  • Jan 4: Goldman Sachs Bank USA High-yield Savings: 2.25% APY
  • Jan 3: CIT Bank Savings Builder: 2.45% APY
  • Dec 27: Barclays Online Savings: 2.20% APY
  • Dec 25: Synchrony High Yield Savings: 2.20% APY
  • Dec 20: American Express National Bank Personal Savings: 2.10% APY
  • Dec 19: Federal Reserve Target Funds Rate: 2.25% to 2.50%
  • Dec 13: FNBO Direct Online Savings: 2.15% APY
  • Nov 21: CIT Bank Savings Builder: 2.25% APY
  • Nov 15: Ally Bank Online Savings: 2.00% APY
  • Nov 15: American Express National Bank Personal Savings: 2.00% APY
  • Nov 14: Discover Bank Online Savings: 2.00% APY
  • Nov 9: Capital One 360 Money Market: 2.00% APY, $10k+
  • Nov 6: Synchrony High Yield Savings: 2.05% APY
  • Oct 30: Barclays Online Savings: 2.05% APY
  • Oct 26: Goldman Sachs Bank USA High-yield Savings: 2.05% APY
  • Oct 19: FNBO Direct Online Savings: 2.00% APY
  • Oct 12: Goldman Sachs Bank USA High-yield Savings: 1.95% APY
  • Oct 11: Discover Bank Online Savings: 1.90% APY
  • Oct 5: Ally Bank Online Savings: 1.90% APY
  • Oct 5: CIT Bank Savings Builder: 2.15% APY
  • Oct 3: Discover Bank Online Savings: 1.85% APY
  • Oct 2: Synchrony High Yield Savings: 1.90% APY
  • Sep 27: American Express National Bank Personal Savings: 1.90% APY
  • Sep 27: Barclays Online Savings: 1.90% APY
  • Sep 26: Federal Reserve Target Funds Rate: 2.00% to 2.25%

Ally Bank’s Online Savings Account has no balance tiers, no minimum balance requirements, and no monthly maintenance fee. Even though the OSA has rarely been a rate leader for online savings accounts, Ally’s online banking features give it an advantage over other internet banks, especially the new and small ones. An important online banking feature is Ally’s online transfer capabilities. It’s easy to link multiple external accounts for transfers. Ally allows large transfers to and from external accounts, and the transfers take place in one business day.

Thanks to DA reader shak for posting on this rate increase in the DA Forum.

No Rate Changes on Ally’s Money Market and Checking Accounts

Unfortunately, the rates of Ally’s Money Market Account (MMA) and Interest Checking Account haven’t changed in a long time. The MMA rate hasn’t changed since January 2018 when the top tier APY increased to 1.00%. Unlike the OSA, the MMA has two rate tiers with the top rate requiring a minimum $25k balance. Another difference is that the MMA offers debit cards and checks. So I consider this a “real” money market account. Like the OSA, there’s no monthly maintenance fee, and like all savings and money market accounts, federal regulation limit the number of withdrawals to a total of 6 per statement cycle (ATM withdrawals are excluded in this limitation).

1.00*%$25k-Ally BankMoney Market Account
OTHER TIERS: 0.90% Up to $25k
Rates as of March 25, 2019.

Ally’s Interest Checking Account hasn’t had a rate increase since we began tracking its rate in 2010. The OSA rate is now almost 4x the top-tier rate of the Interest Checking Account. If the balance is under $15k, the Interest Checking Account earns only 0.10%, only about 1/22nd of the OSA rate.

0.60*%$15k-Ally BankInterest Checking Account
OTHER TIERS: 0.10% Up to $15k
Rates as of March 6, 2019.

On the positive side, the Interest Checking Account has no monthly maintenance fee, and Ally offers free standard checks. It also has a friendly ATM policy (free usage of Allpoint ATMs in the U.S. and reimbursements up fo $10 per statement cycle for fees charged at other ATMs nationwide) and a friendly overdraft policy (free overdraft transfers).

Ally’s overdraft transfer service can be useful to maximize your interest on your liquid savings. You may need a checking account if you write checks, use online bill pay and prefer making purchases with a debit card. Due to the low rates of the Interest Checking Account, you won’t want to keep a large balance in this account. Instead, most of your liquid savings should be in the OSA. Ally’s overdraft transfer service makes it easy to keep most of your liquid savings in an OSA to maximize the interest you earn. It’s a free service that allows you to link your Ally savings account to your Ally checking account. If you exceed your checking balance, Ally will automatically transfer available funds in increments of $100 from your savings account to cover the transaction(s)–at no charge to you. By using this service, you can keep the vast majority of your funds in the savings account earning the higher rate.

The only potential gotcha with using the overdraft transfer service this way is that each overdraft transfer counts toward the 6-per-month withdrawal limit. So you may want to have at least two Ally savings accounts with one of them linked to the checking account. That will reduce the chance that you’ll go over the 6-per-month withdrawal limit (and incur a $10 fee for each withdrawal over the limit). Another advantage of having a separate savings account linked to the checking account is that you limit the loss from a fraudulent check or transfer. Ally will reimburse you for fraudulent transactions if you report them within 60 days from when your statement is made available, but that reimbursement process may take some time.

CD Rates Remain the Same - Few Reminders About Ally CDs

No Ally Bank CD or IRA CD rates were changed today. Ally’s CD rates haven’t changed since December 19th. On that date, Ally increased the rates of its 11-month No Penalty CD and 12-month CD. It also increased the rate of its 14-month Select CD which remains one of Ally’s best CD deals (2.85% APY for all balances). According to the promotions page, it’s scheduled to last through 2/28/2019.

The 11-month No Penalty CD APY remains at 2.30% for balances of at least $25k. However, the APY is only 2.15% for balances between $5k and $25k. For balances under $5k, it’s only 1.80%. Unless you plan to deposit at least $25k, the OSA now makes more sense.

2.75*%--Ally BankHigh Yield 12-Month CD
2.30*%$25k-Ally BankNo Penalty 11-Month CD
OTHER TIERS: 1.80% Up to $5k | 2.15% $5k - $25k
Rates as of March 25, 2019.

Please refer to our Ally Bank CD rates table for the full listing of CD and IRA CD rates.

Noteworthy Ally Bank CD Features

Ally has the following description of its early withdrawal penalties on its website for CDs purchased or renewed after 12/07/13:

  • 24 months or less: 60 days of interest
  • 25 months – 36 months: 90 days of interest
  • 37 months – 48 months: 120 days of interest
  • 49 months or longer: 150 days of interest

One downside with Ally’s CDs is that they don’t allow partial early withdrawals. If you need some of your CD principal before maturity, your only option is to close the CD and withdrawal the entire amount.

Few internet banks offer the features that Ally offers for online CD management. When you log into your account, you can change things like how interest is disbursed. Ally allows you to have the interest paid monthly, quarterly, semi-annually or annually. You can also change how interest is paid. You can choose for the interest to be credited back to the CD, paid out to your account or paid as a check. The software can also be used to change renewal options and to request an early withdrawal. The software lets you see the current balance and the post-penalty balance before you make the decision to close the CD early. You have the choice to have the funds from the closed CD transferred online to your account or sent as a check. If it’s transferred to an Ally account, the funds will be available immediately.

Rate Bonus for Ally CD Renewals - Way to Boost Your Ally CD Rates

Ally Bank has a tradition of offering existing customers a 5-bps rate bonus when CDs are renewed. A 3-month CD ladder can be useful for this. DA reader Cumulus described his useful CD strategy that uses this rate bonus to get higher rates on all of his Ally CDs in this DA forum post.

FDIC Insurance for Over $250k

Another nice aspect of all of Ally’s accounts is the ability to designate beneficiaries. You can choose up to 10 beneficiaries for each of your non-IRA accounts, and you can choose the designation of either “In Trust For” or “Payable On Death”. Beneficiary designations can be done online in the application or with the account management software after the account has been opened. These features make it easy to maintain FDIC insurance on deposits in excess of $1 million. I described how this can be done in this blog post.

Ally also allows customers to open an account in the name of a Trust.


Headquartered in Midvale, Utah, Ally Bank is currently the 16th largest bank in the country, with assets in excess of $151 billion and just over 3 million customer accounts. Ally offers its services and product line to individuals 18 years or older, who have a valid Social Security number and a U.S. mailing address.

Applying for an Ally account can be done using Ally Bank’s online application or by calling Ally (877-247-2559). You can fund your new account in a few different ways:

  • Transfer from an Ally or non-Ally account
  • Check (by mail or Ally eCheck Deposit)
  • Wire transfer

Bank Overview

Ally Bank (FDIC Certificate # 57803) has an overall health grade of "A" at, with a Texas Ratio of 3.74% (excellent) based on September 30, 2018 data. In the past year, Ally has increased its non-brokered deposits by $9.39 billion, an excellent annual growth rate of 12.23%. Please refer to our financial overview of Ally Bank for more details.

How the Ally Bank Online Savings Account Compares

When compared to Savings Accounts and Money Market Accounts tracked by that are available nationally with similar minimum balance requirements and without maximum balance limitations, 11 savings accounts and 4 money market accounts have higher rates than Ally Bank’s Online Savings Account rate.

The above rates are accurate as of 1/17/2019.

To review the best Savings and Money Market rates, both nationwide and state specific, please refer to our Savings Account rates table and Money Market Account rates table.

Related Pages: Salt Lake City savings accounts, savings accounts, nationwide deals, Internet banks

FDIC Man   |     |   Comment #1
No email as of Thursday, January 17 @ 9:30 AM EST. I hope they didn't forget about me.
Ally   |     |   Comment #34
Hi, we’d be happy to look into this further and provide you with an update – just give us a call at 1-877-247-2559 and a member of our team will be happy to assist.
Justmemoney800   |     |   Comment #38
I didn’t get an email either and I called them. They said if I don’t see the deposit on February 5, then call back. I am deeply concerned because I know I set this up correctly. Ally was not exactly helpful on the phone and couldn’t tell me whether they can see that I signed up or not but I know for 100% fact that I did
RLLTX   |     |   Comment #2
I received the exact bonus amount that I was expecting from the very beginning, despite the fact that I closed and subsequently opened at least 3 No Penalty CDs along the way as the rates increased. Ally handled things flawlessly throughout in my experience.
Anon   |     |   Comment #10
Same here. I did major and minor withdrawals (and bill pays) during the promotion too as well as contributions and closed/reopened no penalty CDs multiple times. I made sure that overall my amount of additional money that got contributed in the beginning never dropped below 100k; i.e. withdrawals were less than 100k + other contributions to that point, and so I got the 1k bonus as expected.
Not flawless
Not flawless   |     |   Comment #15
Same here but far from flawless major issues with what their website allows you to do vs what their "rules" allow. Even then when they said they would fix something they did not do it
jjflyman   |     |   Comment #3
Ally's email has my bonus as the exact amount I was expecting.
Great job
tommy   |     |   Comment #4
Received email Wednesday stating I will receive the bonus I expected on or near Feb. 5.
111   |     |   Comment #5
I received the email confirming the bonus as well, on Wed. afternoon.

Also, I noticed that my Ally Online Savings Account still shows 2.0% when I log in. I called Ally - they said that by tomorrow, their website will be updated to show the new 2.2 rate.
Cmb   |     |   Comment #8
Always next day.
Anon   |     |   Comment #6
Why don't they raise the CD rates?
Seaworthy   |     |   Comment #9
Agreed. Their CD rates are old news. Other online banks are leaving Ally in the dust. And the savings rate needs to be 2.40 to be competitive.
larry   |     |   Comment #31
I got an offer from TD Bank for 2.50% savings account for 12 months. You do have to keep $20k in there.
Cmb   |     |   Comment #7
Got my email yesterday, said February 5. Glad they finally raised rate. 20 days behind Barclays.
Ally banker
Ally banker   |     |   Comment #11
I got my e-mail from Ally. They said I"m getting my $1,000 bone by 2/5. $$$$$$$!!!!
anonz   |     |   Comment #12
Ally's email said I'd get the expected $1K bonus on the $99,901 I deposited
BreakfastCDs   |     |   Comment #13
Yes expected money will arrive soon!
well...   |     |   Comment #14
The amount is as expected but the location is not. I had 2 no-penalty CDs during the period & closed both on the 16th. The funds went to my Ally MM trust acct, so I immediately opened a tiny non-trust no-penalty CD that could receive the bonus. 8 hours later I get an email that says I’ll get a $1k bonus but the cited acct # is one of the closed CDs. I’m not sure what will happen if/when the bonus is credited.
???   |     |   Comment #16
interesting ...make sure you post how it turns out. really......

could turn out to be a getting out the popcorn thread
well...   |     |   Comment #60
Dunno why Ally didn't handle this better since the acct has been closed for a half month now, but upon login the "dashboard" shows a notification msg:
"We attempted to process your cash bonus for the Payback Time promotion, however, the account scheduled to receive the bonus has been closed. Please allow an additional 30 days to reprocess your bonus to another eligible account."
???   |     |   Comment #61
Thanks for coming back with result.
Glad the bonus will still get to you, be it awhile from now.
You know the saying,,,a bird in the hand
JimDavis   |     |   Comment #17
Arent those accounts titled differently ? Mix and match ? You sure that can be done?
Mikey1   |     |   Comment #18
You have to wonder about the timing of ALLY’s savings rate increase. Why wasn’t this done just seven days ago so that promo balance transfers out would not be scheduled starting 1/16? Sure, it will now stop a certain percentage of account holders from withdrawaing funds. But it’s like putting a bandaid on a huge gash when you could have avoided the brunt of the injury in the first place.
WheelinDealin   |     |   Comment #19
I am also receiving the exact amount Ally promised even though I canceled and reopened my no-penalty CD a few times to take advantage of higher rates. I hope Ally offers this promotion again. I would definitely do it again.
J1mbo   |     |   Comment #20
Received email Wednesday stating I will receive the $1000 bonus I expected on or near Feb. 5. Only complaint is I had the 100K in the no-penalty CD at 2.10. When they raised the rate on their NP CD, I called and asked if I could close the CD and transfer the 100K to a new CD at the higher rate and still get the bonus. I was told no, it must stay in the original account. I see that was misinformation and cost me a couple $.
#21 - This comment has been removed for violating our comment policy.
111   |     |   Comment #30
Hey, this guy says "I have averaged making 23% interest on every penny I have invested for 19 years." Wow! Even Bernie Madoff only claimed about a 12% average. Impressive!
Scott   |     |   Comment #32
Not enough to stop me from moving it to purepoint 2.35% in hopes of another promotion like this. I think bad idea from ally, but good for us. Unfortunately, not a high enough roller so I only got $600 bonus since I did not have unlocked $100k that I could transfer in time before the promo was announced, (even though I tried on day of announcement), but that amount seems right or possibly slightly generous based on the net amount I transferred back in.
Scott   |     |   Comment #33
That 2 yr RYR is glaringly lagging. It needs another incremental bump soon, but at least matching the 1 yr would be nicer.
Sharper-ratio   |     |   Comment #35
No email for me as of Thursday night......disappointing. I guess I will need to contact customer service.
51hh   |     |   Comment #36
Did you receive the on-track email early November?
Justmemoney800   |     |   Comment #39
I did not get an email either. Please let me know if you have better success on the phone with them than I did. I will be raising holy hell if they don’t deposit the funds on February 5
zz   |     |   Comment #37
I was in the no penalty CD and closed it and reopened it at 2.25%, which was very easy to do. I got the $1,000 that I was expecting and it was put into the online account I was expecting it to go to. A nice job by Ally.
RJM   |     |   Comment #40
I was not going to comment here because i did elsewhere previously but since several are saying they did not get the email, I will. I got the exact amount I expected for the $81,200 I was able to deposit for the promo.

Hi, RJM. At Ally Bank, we're all about delivering on better, and what's better than a little payback? As a thanks for taking advantage of our Payback Time promotion, a cash bonus of $812 will be deposited into your account ending in xxxx on or around February 5, 2019.
???   |     |   Comment #41
i would be surprised if Everyone gets through this offer with no problems of bonus payout

hope all goes well those in limbo
PatGeneric   |     |   Comment #42
Received email Jan. 16th, with expected amount, as did another family member. I appreciate all the input and shared experiences of others on this website regarding this promo, as well as other banking experiences. A nice group of friends here, willing to help others. Thanks!
Adam   |     |   Comment #43
My wife and I both got our emails (separate Ally accounts) for a $1,000 bonus each. Looking forward to February 5th. The information on this site and the comments added have been really helpful in wading through the fine print of this offer. Thanks to everyone who added info here!
Will bonus be reported as interest on 1099?
Will bonus be reported as interest on 1099?   |     |   Comment #44
Has Ally said if it will be reporting the bonus as 1099-interest for 2019?
RJM   |     |   Comment #45
Ally will treat the Cash Bonus as interest for tax reporting purposes. Please consult your tax advisor for potential impacts to your 2019 tax liability.
Has to be part of the 2019 interest calculation.
Will bonus be reported as 1099
Will bonus be reported as 1099   |     |   Comment #52
#45 what is your source for this answer re bonus?
#53 - This comment has been removed for violating our comment policy.
Will bonus be reported as 1099
Will bonus be reported as 1099   |     |   Comment #54
#53 What do I think the source is? Probably some communication with Ally which you received and I did not. You seem to have an obsession with trolls. I am not a troll, and it's a legitimate and civil inquiry to identify your source. Since you refuse to answer you must not have a credible source.
RJM   |     |   Comment #55
I know the source. I'm just not telling anyone that changes monikers more than I change underwear.
Will bonus be reported as 1099
Will bonus be reported as 1099   |     |   Comment #56
I don't change monikers, I am actually a newcomer to the website. Thank you for your warm welcome.
RJM   |     |   Comment #57
Anytime. And no matter what your moniker is if it changes, there is a 99% chance you are only here to cause trouble.

Else why not use Joe? Or Sam or 346 or anything consistent.

Get it Villareal?
RJM   |     |   Comment #58
The source of my ally bonus money was actually Winn Dixie. The cat is out of the bag now, troll.
QED   |     |   Comment #46
What a sack of crap! Now the clowns at Ally Bank are sending out emails telling us how "excited" they are that we might have our money, promised for today, by the end of this week.

Nothing   |     |   Comment #47
It was never promised today! READ your previous email from Ally. Do you work for a competitor of Ally?
RJM   |     |   Comment #48
Dozens leave negative reviews on Ally, read the review section. Biggest problem I have is low rates. If any of them want to wager, my $100k to their $10k that I get my bonus money no later than Jan 16th. Why not the 15th? Because most checks that have cleared are cleared after midnight and dated the day before. Its almost as if they got it earlier but it just did not show in my account. Why not, I don't know. ACH transfers sometimes show around 5-7am of the same day.
QED   |     |   Comment #49
I take it all back. Ally paid me the $1000 timely. Hooray for Ally, the absolute best bank out there!!
RJM   |     |   Comment #50
Daggumit. I was hoping someone would take me up on my 10-1 offer.

I only got $812. Its a conspiracy. Or, more likely, because I only deposited $81,200..
Penny   |     |   Comment #51
Payback time cash bonus credited to my savings account at 3:00pm EST
Pinto   |     |   Comment #59
Did anyone besides QED (see comment #46) ever get the email from Ally regarding that we might have our money by the end of this week? I never received such an email. But I did receive my cash bonus at 3:00 pm today. Thanks Ally!
warren   |     |   Comment #62
I never received the email you mentioned either. However I did get my Ally cash bonus this afternoon.
Nothing   |     |   Comment #63
Incredible...comment #46 followed later the same day by comment #49.
Tom   |     |   Comment #64
Hi Guys,
I'm polish citizen living in Poland. Can I open Online Saving Account in Ally?
Kind regards and thanks
Pinto   |     |   Comment #65
You should contact Ally Bank with your question. Go to:
Scroll down to the "Ally Bank" section and select "Available Now" under "Chat"
Nothing   |     |   Comment #66
Agree...very helpful in using the Chat.
Luvcd   |     |   Comment #67
I have used Ally “chat” too. Good resource for me to do due diligence before I make money decisions with my local B&M California banks. In the past “chat” has also provided insight regarding making time/irregular QCDs during the year.
Ally Bank Ups Rates on 11-Month, 12-Month and 14-Month CDs
Deal Summary: CD Rate Hikes: 11-month No Penalty (2.30% APY, $25k+), 1-Year High Yield CD (2.75% APY, all balances). 14-month Select CD (2.85% APY, all balances)

Availability: Nationwide (internet bank)

This morning, Ally Bank increased the rates on three of its CDs, but the Online Savings Account rate remains the same (2.00% APY). With a 2.85% APY, the promotional 14-month Select CD now has the highest rate of all of Ally’s CDs except for the 5-year. This Select CD is only listed on this Ally promotional page. According to this...

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Availability: Nationwide (internet bank)

This morning, Ally Bank increased the rate of its Online Savings Account (OSA) by 10 basis points to 2.00% APY. Ally’s IRA Online Savings Account also had this same rate hike. These were the only rate hikes at Ally Bank today.

Ally Bank is the latest internet bank to raise its savings account yield to 2%. A few of Ally’s competitors have already increased their savings account yields to 2.05%. These include Barclays, Synchrony...

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Availability: Nationwide (internet bank)

This morning, Ally Bank increased the rates on several of its CDs, but the Online Savings Account rate remains the same (1.90% APY). It also introduced a new limited-time 14-month Select CD (2.75% APY). This Select CD has no minimum deposit, and it’s available through 1/16/2019. It’s only listed at Ally’s website in this promotional page.

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Earn Up To $1,000 Bonus with Ally Bank’s Payback Promotion
UPDATE 10/17/18: I received promotion Q&As from my Ally contact. These are included below.

Deal Summary: Bonus amount ranges from $10 ($1k of new money) to $1,000 ($100k of new money).

Availability: Nationwide (internet bank) for new and existing customers.

This morning, Ally Bank introduced its new promotion which offers a 1% cash bonus when you move your money to Ally Bank. The minimum bonus is $10 for $1,000 of new money, and the maximum bonus is $1,000 for $100,000 of new money. Existing customers in addition to new customers...

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Ally Bank Ups 11-Month No Penalty CD Rate
Deal Summary: CD Rate Hikes: 11-month No Penalty (2.10% APY, $25k+), 1-Year High Yield CD (2.50% APY, all balances), 5-Year High Yield CD (3.00% APY, all balances)

Availability: Nationwide (internet bank)

This morning, Ally Bank increased the rates on all balance tiers of its 11-month No Penalty CD. The $25k tier increased 10 bps to 2.10% APY. Ally Bank also increased the low-tier rates of its 1-Year and 5-Year High Yield CDs to match the $25k tier. All balances now earn 3.00% APY for the 5-year term and 2.50% APY...

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