Chime savings rates
Chime advertises 3.75% APY on its Chime High-Yield Savings Account. That is 3.38 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
A checking account at the bank is required. Direct deposit is required.
Ranked #94 of 2519 tracked savings rates by advertised APY. For a $10,000 balance it would rank #62. It was #46 three months ago.
Chime at a glance
| Savings | |
|---|---|
| Top savings APY | 3.75% · Chime High-Yield Savings Account · checking account required · requires direct deposit |
| Minimum to open | $0 · Chime High-Yield Savings Account |
| Against the national average | 3.38 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| Website | www.chime.com |
|---|---|
| Availability | Nationally available |
Chime savings rates
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 60 savings accounts from 59 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Interactive Tool
Calculate Savings for Chime
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,465.40(9.5%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,465.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Chime High-Yield Savings Account | 3.75% | $0 | $0 | None | $0 | Direct deposit · Checking account | One rate |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
Opening and using the account
| Availability | Nationally available |
|---|---|
| App Store rating | 4.8 out of 5 |
| Google Play rating | 4.7 out of 5 |
| Eligibility | not stated |
How Chime behaves over time
- 12-month high
- 3.75%
- 12-month low
- 3.00%
- Advertised now
- 3.75%
- At the 12-month high
- Observed cuts, 12 months
- 0
- In a window with 2 Federal Reserve cuts
The advertised Chime High-Yield Savings Account rate, observed through Oct 3, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Apr 30, 2026Chime High-Yield Savings AccountRaise:3.00%to3.75%
- Chime High-Yield Savings Account
- The same as 90 days ago.
$10,000 at the 3.75% APY Chime advertises on Chime High-Yield Savings Account grows to $10,375 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,034 does today. The top rate requires direct deposit. See how the federal funds rate shapes savings rates.
- Chime High-Yield Savings Account APY
- Banksparency savings index
- Consumer price index, year over year
Who is Chime?
| BBB rating | A+ · BBB Accredited |
|---|
Common questions about Chime
What is the minimum deposit at Chime?
Chime requires no minimum deposit to open its Chime High-Yield Savings Account, as observed on Oct 3, 2026. Check the bank's current terms before you open an account.
Chime against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Chime | 3.75% | not stated | $0 | not stated |
| BrioDirect | 3.75% | 2.10% | $5,000 | not stated |
| CIBC Bank USA | 3.75% | 2.41% | $1,000 | not stated |
| CIT Bank | 3.75% | 2.95% | $100 | not stated |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Chime's.
Compare Chime with another bank
Each link opens a full comparison page, with the two banks side by side and their current savings rates.
- Chime vs Chase Bank
- Chime vs Capital One
- Chime vs CIT Bank
- Chime vs Barclays
Chime last changed its rate on April 30, 2026, up 75 basis points; Marcus by Goldman Sachs last changed on September 18, 2026, up 10 basis points.
Chime vs Marcus by Goldman SachsChime last changed its rate on April 30, 2026, increasing by 75 basis points, while SoFi Bank last changed on September 23, 2026, with a rise of 20 basis points.
Chime vs SoFi Bank
Compare Chime with another bank as a whole
These pages compare more than savings: checking, branches, the other products each bank sells, and their apps.
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Rate hubs: today's highest savings rates.