CIBC Bank USA: Savings Account & Rates
Mission: Banksparency aims to make CIBC Bank USA's savings account transparent and comparable to the market.
Savings Overview
Agility™ High-Interest Savings Account
| Min. Deposit | $1,000 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.21% APY.
Bank Overview
- HQ LocationChicago, Illinois (U.S. HQ)
- Founded1991
- AffiliationCIBC Bank USA, formerly The PrivateBank and Trust Company, became a subsidiary of Canadian Imperial Bank of Commerce (NYSE: CM) in 2017.
- Ratings & Trust
- Zelle® SupportAvailableSupported via the CIBC US mobile app.
- Deposit InsuranceFDIC Insured(Cert: 33306)
Our Take on CIBC Bank USA
The Good
- Decent APY of 3.66%
- No monthly maintenance fees
- Highly rated iOS app (4.0 stars)
- Access to physical branches
Considerations
- No physical branch access (online only)
- Low-rated Android app (2.4 stars)
CIBC Bank USA offers the Agility™ High-Interest Savings Account with an attractive APY of 3.66%. This account features no monthly maintenance fees and does not require direct deposit or a checking account. Customers can benefit from a highly rated iOS app, though the Android app has received lower ratings. It's important to note that while there is access to physical branches, the account is primarily managed online.
Savings Account: In-Depth View
Savings Account Offered by CIBC Bank USA
| Feature | Agility™ High-Interest Savings Account |
|---|---|
APY | 3.66%Verified: 1/7/2026 |
APY Trend | 30 days ↘︎ 0.11% 90 days ↘︎ 0.26% |
Min. Deposit | $1,000 |
Min. Balance | $0.01 |
Monthly Fee | $0 |
Direct Deposit | None |
Checking Bundle | No |
Branch Access | None |
Compounding | Monthly |
FDIC Insured | Yes |
Eligibility | United States |
| Next Steps | - |
Calculate Savings for CIBC Bank USA
Savings Breakdown
- Interest Earned+$1,428.60(9.3%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,428.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
CIBC Bank USA Savings Rates Over Time
Historical APY Insights
Last 12 Months| Metric | Agility™ High-Interest Savings Account |
|---|---|
Latest APY | 3.66% |
Trend | Falling |
Slope (bps/mo) | -5.3 |
Rate Changes / Mo | 0.58 |
Days Since Last Change | 16 |
High (-12m) | 4.38% |
Low (-12m) | 3.66% |
Draw-down | -16.4% |
Volatility (CV) | 0.049 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 365-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with CIBC Bank USA
| Feature | Current View CIBC Bank USA | Empty Slot |
|---|---|---|
| Product | Agility™ High-Interest Savings Account | - |
APY | 3.66%Verified: 1/7/2026 | - |
APY Trend | 30 days ↘︎ 0.11% 90 days ↘︎ 0.26% | - |
| Min. Deposit | $1,000 | - |
| Monthly Fee | $0 | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Monthly | - |
FDIC Insured | Yes | - |
| Next Steps | - | - |
Alternatives to CIBC Bank USA
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
UFB Direct
UFB Portfolio Savings: 3.26% APY
Minimum Deposit: $0
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UFB Checking and Savings Bundle: 3.46% APY
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Direct Deposit: Not required
Marcus by Goldman Sachs
Marcus Online Savings Account: 3.65% APY
Minimum Deposit: $0
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Presidential Bank
Advantage Savings: 3.75% APY
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Minimum Deposit: $5,000
Direct Deposit: To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
CIT Bank
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Minimum Deposit: $100
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Savings Connect: 3.65% APY
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Bank5 Connect
Connect Savings: 1.50% APY
Minimum Deposit: $10
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Jumbo Savings: 3.85% APY
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Popular Direct
Popular Direct Select Savings: 3.90% APY
Minimum Deposit: $100
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ROGER
ROGER Savings: 3.61% APY
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Minimum Deposit: $0
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Bread Savings
High-Yield Savings Account: 4.05% APY
Minimum Deposit: $100
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Ivy Bank
High-Yield Savings Account: 4.10% APY
Minimum Deposit: $2,500
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Eligible States: Limited (see details)
First Foundation Bank
Online Savings: 3.75% APY
Minimum Deposit: $1,000
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Barclays
Tiered Savings: 4.00% APY
Minimum Deposit: $0
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Online Savings: 3.60% APY
Minimum Deposit: $0
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Western Alliance Bank
High-Yield Savings Premier: 3.90% APY
Minimum Deposit: $500
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