Featured Savings Rates
Featured Accounts


Popular Accounts at this Bank

0.85%SavingsMySavings Account
1.65%5-year CD60 - 120 Month My Term CD
1.30%3-year CD30 Month My Term CD

They Are Great!

Posted by: Ronnie | Jun 11, 2015

This guy above or below is out of his mind for giving this bank 1 star just because of their security policy....

Here's my take on this bank:

Sure the staff is not the best, no fancy app, no sexy webpage and no debit card.

The bottom line is right now they are beating every MMA/savings account with 1.25% APY.... So stop whining! They are keeping their cost low and in return you get a healthy APY.

So you are worried they have a C+ Health rating ..... Who care's as long as you don't have over 250k (500k for joint account) then this shouldn't worry you since they are FDIC insured.

So if you have some money you wanna put to safe work, this bank is awesome, you won't get any checks or debit card to easily access your money, you will need to do a free ACH transfer to your primary checking account, but again who cares it's a savings account you can wait 2 days.

I was super skeptical when I opened my account but I conducted extensive research and went for it... My account took a day to setup, they didn't even email me to let me know I was approved (they are really keeping the budget low lol). Funding my account took another day and the portal to view my account is nice and simple.

Also another perk is that the Mint.com app supports this bank. The last bank I had my savings in didn't !

Another perk is absolutely no fees!

Hope this helps someone =]!

Excellent Experience!

Been having a really good experience with this bank. I was working for the county fair when I was introduced to it originally. I went online to open my account and was pleasantly surprised by how easy the online banking is to access. I started with savings and quickly opened a checking account as well. There are little to no fees, and I don't ever have to worry about not having access to my money. I especially like the easy navigation of the website in order to access my account online. It's very convenient and I love how I can log in and see my balance in seconds instead of waiting around for pages to load like others sites have been for me. I would definitely recommend this company to friends and am so glad I worked at the county fair because I gained knowledge of this awesome online banking company!

15 Point Rate Drop :((

Posted by: pilot223 | Sep 11, 2015

Well, I am really disappointed. I just got an account opened up, and the rate dropped from 1.25% down to 1.10%. That's a pretty big drop, especially when the trend lately has been rising rates...

Another Carrot And Stick Online Bank From Emigrant

Emigrant bank is continuing their practice of creating a new online bank with a great rate and after herding in new customers they drop the rate below most of the top online banks and make it a pain to transfer your money out.



Health Grade Components

FDIC Certificate #12054
Year Established1850
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD2.37%
Annual Interest Income$133.0MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$6.46B$5.99B
LoansQ2 2016vs Q2 2015$4.29B$4.00B
DepositsQ2 2016vs Q2 2015$5.20B$4.57B
Equity CapitalQ2 2016vs Q2 2015$1.11B$1.07B
Loan Loss AllowanceQ2 2016vs Q2 2015$72.5MM$77.6MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$199.3MM$255.4MM
Real Estate OwnedQ2 2016vs Q2 2015$49.8MM$54.0MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Big Rate Drop

Maecl   |  
My Savings Direct dropped rate to .85%, down from 1%.
Hope this isn't a trend with all banks.

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MySavingsDirect Savings Account Rates

0.85%--MySavings Account

MySavingsDirect CD Rates

1.65%$1k-60 - 120 Month My Term CD
1.30%$1k-30 Month My Term CD
0.85%$1k-6 Month My Term CD

MySavingsDirect is an Internet only bank and does not have branch locations. Its headquarters is located at 5 East 42nd Street - New York, NY 10017