Checking & Savings Rates

Want a New York bank with some of the best checking and savings rates in town? Your search stops here.

A checking account that pays interest on your balance. Savings accounts that help you reach your goals. Apple Bank's competitive rates move you forward.

See how our checking and savings rates deliver.

Minimum to Open Account Minimum Daily Balance Range to Earn Interest Interest Rate Annual Percentage Yield (APY)** Notes
Checking
Grand Yield NOW Checking $100 $2,500 and up 0.50% 0.50%
GoldValue NOW Checking $100 $1,000 0.01% 0.01%
Savings
Grand Yield Savings $100

$1-$2,499

$2,500-$9,999

$10,000-$24,999

$25,000-$49,999

$50,000 and up

None

1.59%

1.59%

1.59%

1.59%

None

1.60%

1.60%

1.60%

1.60%

See account disclosure and details page for terms and conditions
BONUS Savings $ 2,500

$0-$2,499

$2,500-$24,999

$25,000-$3,000,000

None

0.75%

0.75%

None

0.75%

0.75%

See account disclosure and details page for terms and conditions
Apple Bank Savings $100 $250 and up 0.10%     0.10% Available for both personal and business accounts.
Youth Savings $1 $5 and up 0.10% 0.10%
Holiday and Vacation Clubs  $5 $5 and up   0.10%   0.10%
Money Market
Treasury Bill Indexed Money Market $10,000 $1-$24,999
$25,000-$49,999
$50,000-$99,999
$100,000 and up
None
1.42%
1.97%
2.19%
None
1.43%
1.99%
2.21%
See account disclosure and details page for terms and conditions
Apple Bank Money Market $100 $2,500 and up 1.24% 1.25%
Business Money Market  $5,000 $5,000     0.65% 0.65%
Insured Cash Sweep℠ Account (ICS)  Learn More Learn More Learn More Learn More

*Annual Percentage Yields (APYs) disclosed are effective as of December 1, 2018, and may be changed at any time at the Bank’s discretion. Checking and savings interest is compounded daily and paid monthly. Fees may reduce earnings. Please refer to individual product pages for additional details and disclosures.