Axos Bank
Last Updated: 4/1/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Axos ONE: 4.66% APY(Rank 4 out of 75 HYSAs)
Minimum Deposit: $0 | Bundled Savings & Checking Account | Online Only | Direct Deposit: Min. $1,500/month to ONE Checking.
High Yield Savings: 0.61% APY(Rank 80 out of 88 savings accounts)
Minimum Deposit: $0 | Online Only
National Savings Interest Rate: 0.41% (as of 3/17/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Bank Overview
Location: San Diego, California
Founded: 2000
Affiliation: Holding company of Axos Financial, Inc. (NYSE: AX)
Access to Branches: None
BBB Rating: A+ (BBB Accredited)
App Store Rating: 4.7/5
Google Play Rating: 4.5/5
Website: Visit Axos Bank
Savings Accounts
Savings Accounts Offered by Axos Bank
| Feature | Axos ONE | High Yield Savings |
|---|---|---|
| APY | 4.66% (as of 4/1/2025) | 0.61% (as of 4/1/2025) |
| APY Trend | -0.20% WoW | Stable |
| Minimum Deposit | $0 | $0 |
| Minimum Balance for APY | $0 | $0 |
| FDIC-insured | Yes | Yes |
| Online Only | Yes | Yes |
| Bundled Account | Yes | No |
| Direct Deposit Required | Yes. Min. $1,500/month to ONE Checking. | No |
| Compound Frequency | Daily | Daily |
| Maintenance Fee | $0 | $0 |
| Eligibility | United States | United States |
| Note | This APY is only available in the Axos ONE savings and checking bundle. Must maintain $1,500 on avg. daily balance in ONE Checking for APY. | N/A |
No deposit agreement summary available for this bank. | ||
Calculate Savings for Axos Bank
Total savings breakdown:
- Interest earned: $5 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (95.24%)
Your total balance
$105.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Axos Bank Savings Rates Over Time
Historical APY Insights
| Metric | High Yield Savings | Axos ONE |
|---|---|---|
| Highest APY | 0.61% | 4.86% |
| Lowest APY | 0.61% | 4.66% |
| Latest APY | 0.61% | 4.66% |
| Trend | Stable | Decreasing |
| Volatility | 0.00% | 0.02% |
Compare Axos Bank's Savings Accounts
- Affirm - 3.85% APY
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- Ally Bank - 3.60% APY
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- My Banking Direct - 4.40% APY
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- Neighbors Bank - 4.60% APY
- Newtek Bank - 4.45% APY
- OMB Bank - 4.56% APY
- Openbank - 4.40% APY
- Peak Bank - 4.54% APY
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- PNC - 3.95% APY
- Poppy Bank - 4.50% APY
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- Presidential Bank - 4.00-4.50% APY
- Prime Alliance Bank - 4.15% APY
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- Quontic Bank - 3.85% APY
- RBMAX - 4.15% APY
- Rising Bank - 4.40% APY
- ROGER - 5.00% APY
- Salem Five Direct - 4.01% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.03% APY
- SoFi Bank - 3.80% APY
- Synchrony Bank - 4.00% APY
- TAB Bank - 4.26% APY
- TD Bank - 0.05-3.51% APY
- The State Exchange Bank - 1.90% APY
- TIMBR - 4.55% APY
- UFB Direct - 4.01-4.21% APY
- Upgrade - 4.02% APY
- Valley Direct - 4.25% APY
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- Western Alliance Bank - 4.25% APY
- Zynlo Bank - 4.35% APY
| Feature | Axos Bank | Select a bank... |
|---|---|---|
| Product | N/A | |
| APY | 4.66% (as of 4/1/2025) | N/A |
| Bundled Account | Yes | N/A |
| FDIC-insured | Yes | N/A |
| Online Only | Yes | N/A |
| Compound Frequency | Daily | N/A |
| Minimum Deposit | $0 | N/A |
| Minimum Balance for APY | $0 | N/A |
| Maintenance Fee | $0 | N/A |
| Direct Deposit Required | Yes. Min. $1,500/month to ONE Checking. | N/A |
| Note | This APY is only available in the Axos ONE savings and checking bundle. Must maintain $1,500 on avg. daily balance in ONE Checking for APY. | N/A |
Axos Bank vs. Major Banks: Savings Accounts
Click on the items below to view the comparisons
| Feature | Axos Bank | Bank of America | |
|---|---|---|---|
| Axos ONE | High Yield Savings | Advantage Savings | |
| APY | 4.66% APY) (as of 4/1/2025) | 0.61% APY) (as of 4/1/2025) | 0.01% APY (as of 4/1/2025) |
| Bundled Account | Yes | No | No |
| FDIC-insured | Yes | Yes | Yes |
| Online Only | Yes | Yes | No |
| Compound Frequency | Daily | Daily | Monthly |
| Minimum Deposit | $0 | $0 | $100 |
| Minimum Balance for APY | $0 | $0 | N/A |
| Maintenance Fee | $0 | $0 | $8 |
| Direct Deposit Required | Yes. Min. $1,500/month to ONE Checking. | No | No |
| Eligibility | United States | United States | United States |
| Note | This APY is only available in the Axos ONE savings and checking bundle. Must maintain $1,500 on avg. daily balance in ONE Checking for APY. | N/A | APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc. |
| Feature | Axos Bank | Citibank | ||
|---|---|---|---|---|
| Axos ONE | High Yield Savings | Citi® Savings Account | Citi Accelerate Savings | |
| APY | 4.66% APY) (as of 4/1/2025) | 0.61% APY) (as of 4/1/2025) | 0.03% APY (as of 4/1/2025) | 3.70% APY |
| Bundled Account | Yes | No | No | No |
| FDIC-insured | Yes | Yes | Yes | Yes |
| Online Only | Yes | Yes | No | Yes |
| Compound Frequency | Daily | Daily | Daily | Daily |
| Minimum Deposit | $0 | $0 | $0 | $0 |
| Minimum Balance for APY | $0 | $0 | $0.01 | $0.01 |
| Maintenance Fee | $0 | $0 | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 |
| Direct Deposit Required | Yes. Min. $1,500/month to ONE Checking. | No | No | No |
| Eligibility | United States | United States | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. |
| Note | This APY is only available in the Axos ONE savings and checking bundle. Must maintain $1,500 on avg. daily balance in ONE Checking for APY. | N/A | N/A | N/A |
| Feature | Axos Bank | Chase Bank | |
|---|---|---|---|
| Axos ONE | High Yield Savings | Chase Savings℠ | |
| APY | 4.66% APY) (as of 4/1/2025) | 0.61% APY) (as of 4/1/2025) | 0.01% APY (as of 4/1/2025) |
| Bundled Account | Yes | No | No |
| FDIC-insured | Yes | Yes | Yes |
| Online Only | Yes | Yes | No |
| Compound Frequency | Daily | Daily | Monthly |
| Minimum Deposit | $0 | $0 | $0 |
| Minimum Balance for APY | $0 | $0 | $0 |
| Maintenance Fee | $0 | $0 | $5 |
| Direct Deposit Required | Yes. Min. $1,500/month to ONE Checking. | No | No |
| Eligibility | United States | United States | United States |
| Note | This APY is only available in the Axos ONE savings and checking bundle. Must maintain $1,500 on avg. daily balance in ONE Checking for APY. | N/A | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. |
| Feature | Axos Bank | Capital One | |
|---|---|---|---|
| Axos ONE | High Yield Savings | 360 Performance Savings | |
| APY | 4.66% APY) (as of 4/1/2025) | 0.61% APY) (as of 4/1/2025) | 3.70% APY (as of 4/1/2025) |
| Bundled Account | Yes | No | No |
| FDIC-insured | Yes | Yes | Yes |
| Online Only | Yes | Yes | No |
| Compound Frequency | Daily | Daily | Daily |
| Minimum Deposit | $0 | $0 | $0 |
| Minimum Balance for APY | $0 | $0 | $0 |
| Maintenance Fee | $0 | $0 | $0 |
| Direct Deposit Required | Yes. Min. $1,500/month to ONE Checking. | No | No |
| Eligibility | United States | United States | United States |
| Note | This APY is only available in the Axos ONE savings and checking bundle. Must maintain $1,500 on avg. daily balance in ONE Checking for APY. | N/A | N/A |
Alternatives to Axos Bank
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
Varo Bank
High-Yield Savings Account: 5.00% APY
Minimum Deposit: $0
Online Only
Direct Deposit: Min. $1,000/month
Neighbors Bank
Neighbors Savings Account: 4.60% APY
Minimum Deposit: $0
Eligible States: Limited (see details)
Pibank
Pibank Savings: 4.60% APY
Minimum Deposit: $0
Online Only
FVCbank
Advantage Direct Savings: 4.55% APY
Minimum Deposit: $500
Online Only
TIMBR
Premium Savings Account: 4.55% APY
Minimum Deposit: $1,000
Online Only
Peak Bank
Envision High Yield Savings: 4.54% APY
Minimum Deposit: $100
Online Only
Banks Offering Bundled Savings & Checking
For a top list, see Bundled High-Yield Savings & Checking Accounts
Chime
Chime Savings Account: 3.75% APY
Bundled Savings & Checking Account
Minimum Deposit: $0
Online Only
Direct Deposit: You need to receive a qualifying direct deposit of $200 or more within the preceding 34 days
Fitness Bank
Fitness Savings Account: 4.55% APY
Minimum Deposit: $100
Online Only
Fitness Elite Checking & Fitness Savings Combo: 5.00% APY
Bundled Savings & Checking Account
Minimum Deposit: $100
Online Only
OMB Bank
High Interest Online Savings Account: 4.56% APY
Minimum Deposit: $5,000
Online Only
High Interest Savings Account: 1.00% APY
Bundled Savings & Checking Account
Minimum Deposit: $25
Presidential Bank
Advantage Savings: 4.50% APY
Bundled Savings & Checking Account
Minimum Deposit: $5,000
Direct Deposit: To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
ROGER
ROGER Savings: 5.00% APY
Bundled Savings & Checking Account
Minimum Deposit: $0
Online Only
SoFi Bank
SoFi Savings: 3.80% APY
Bundled Savings & Checking Account
Minimum Deposit: $1,000
Online Only
Banks with Branch Access
For a top list, see High-Yield Savings Accounts with In-Person Access
All America Bank
Regular Savings: 1.50% APY
Minimum Deposit: $50
Super Savers MMDA: 3.49% APY
Minimum Deposit: $2,500
Amalgamated Bank
Online Savings: 2.25% APY
Minimum Deposit: $100
Bank of America
Advantage Savings: 0.01% APY
Minimum Deposit: $100
Capital One
360 Performance Savings: 3.70% APY
Minimum Deposit: $0
Charles Schwab Bank
Schwab Bank Investor Savings™: 0.15% APY
Minimum Deposit: $0
Chase Bank
Chase Savings℠: 0.01% APY
Minimum Deposit: $0