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Name
Upgrade
APY
3.05%
Minimum Deposit
USDÂ 0.0
Fees & Caveats
- A minimum balance of $1,000 is required to earn the advertised APY; if the balance drops below $1,000, the APY will be 0%.
- For the first 60 days, withdrawals via ACH are limited to the bank account used for initial funding.
- Daily maximum transfer limit of $100,000.
- Subject to transfer count limits and threshold dollar limits for external transfers (e.g., 2-7 transfers within a 7-day period, $2,000-$15,000 within a 7-day period).
- Upgrade does not have physical branches.
- The Premier Savings account does not come with an ATM card.
- Cash deposits are not accepted.
Historical APY
Coming soon
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FAQ's
What is the interest rate on Upgrade savings account?
The interest rate on Upgrade is 3.05% as of Tue Feb 10 2026.
Is the Upgrade savings account safe?
Upgrade is FDIC insured. This means that your money is insured up to $250,000 by the United States government.
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