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EverBank: Savings Account, CDs & Rates

By Aviel Fahl

|

Updated: 8/20/2026

Mission: Banksparency aims to make EverBank's deposit accounts transparent and comparable to the market.

Interest rates reported as

Analysis of EverBank

Our verdict

EverBank offers Performance Savings, a high-yield savings account paying 3.90% APY with no minimum deposit.

At 3.90% APY, EverBank pays 10x the national savings average of 0.38%.

Ideal User Profile

  • Best for: simple saving without extra requirements, banking without needing a branch, and quick transfers with Zelle.

CD Analysis

EverBank also offers CDs paying up to 4.10% APY on its 7 months term, across 13 term lengths.

Tracking 33 active CD products, useful for locking in today's rate before further moves at the Fed.

  • Best CD use: locking in 4.10% APY for a 7 months term and laddering across multiple maturities.

Key Differentiators

  • Stands out with top-rated iOS app (4.6), highly-rated Android app (4.8), A+ BBB rating, in-person banking available, Zelle for instant transfers.

Savings Overview

Performance Savings

Savings
3.90% APY
No Minimums Online Only
$0
Min. Balance$0
$0
Rank #29 of 337 tracked.

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates
National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

Visit Official Website

Top Market Contenders

Synchrony Bank
3.30% APY
vs. EverBank
Axos Bank
4.21% APY
vs. EverBank
Barclays
3.65% APY
vs. EverBank
Popular Peer Comparisons
Ally Bank vs Axos BankChase Bank vs ChimeBarclays vs Capital OneBarclays vs Marcus by Goldman SachsSoFi Bank vs Varo BankChase Bank vs SoFi Bank

Savings Account: In-Depth View

Savings Account Offered by EverBank

Feature
Performance Savings
APY
3.90%Verified: 8/20/2026
APY Trend
N/A
Min. Deposit
$0
Min. Balance
$0
Monthly Fee
$0
Direct Deposit
None
Checking Bundle
No
In-Branch Access
No
Compounding
Daily
FDIC Insured
 Yes
Eligibility
United States
Next Steps-

Interactive Tool

Calculate Savings for EverBank

All calculations are based on APY.

Performance Savings3.90% APY
$
$
Frequency

Savings Breakdown

  • Interest Earned
    +$1,526.90(9.8%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $1,000

Projected Balance

$15,526.90

Effective APY
3.90%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

EverBank Savings Rates Over Time

Historical APY Insights

Last 12 Months
MetricPerformance Savings
Latest APY
3.90%
Trend
Falling
Slope (bps/mo)
-5.9
Rate Changes / Mo
0.17
Days Since Last Change
244
High (-12m)
4.30%
Low (-12m)
3.90%
Draw-down
-9.3%
Volatility (CV)
0.030
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 362-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 EverBank

Feature
Current View
EverBank
Empty Slot
ProductPerformance Savings-
APY
3.90%Verified: 8/20/2026
-
APY Trend
N/A
-
Min. Deposit$0N/A
Monthly Fee$0-
Direct Deposit
No-
Checking Bundle
No-
In-Branch AccessNo-
Eligibility United States-
Compounding
Daily-
FDIC or NCUA Insured
Yes-
Next Steps--

Bank-to-Bank Comparisons

Compare EverBank's APY of 3.90% with other banks
Bank PairCompetitor APYMin Deposit
EverBank vs Affirm3.20%$0
EverBank vs Ally Bank3.00%$0
EverBank vs American Express3.00%$0
EverBank vs Axos Bank4.21%$0
EverBank vs Bank of America0.04%$100
EverBank vs Barclays3.65%$0
EverBank vs Bask Bank3.75%$0
EverBank vs Betterment4.00%$0
EverBank vs BMO Alto3.00%$0
EverBank vs Bread Savings3.95%$100
EverBank vs BrioDirect3.75%$5,000
EverBank vs Capital One3.50%$0
EverBank vs Charles Schwab Bank0.15%$0
EverBank vs Chase Bank0.01%$0
EverBank vs Chime3.75%$0
EverBank vs CIT Bank3.75%$100
EverBank vs Citibank2.80%$0
EverBank vs Citizens Access™2.80%$0.01
EverBank vs Climate First Bank4.26%$50
EverBank vs E*TRADE from Morgan Stanley3.50%$0
EverBank vs Elevault4.34%$0
EverBank vs Fitness Bank4.05%$100
EverBank vs FNBO Direct3.55%$0
EverBank vs Forbright Bank4.15%$0
EverBank vs GO2bank4.50%$0
EverBank vs Happen Bank4.00%$0
EverBank vs Ivy Bank3.85%$2,500
EverBank vs Marcus by Goldman Sachs3.40%$0
EverBank vs Neighbors Bank4.10%$0
EverBank vs Newtek Bank4.20%$100
EverBank vs Openbank3.80%$500
EverBank vs Peak Bank4.01%$100
EverBank vs Pibank4.10%$0
EverBank vs PNC3.15%$0
EverBank vs Santander Bank----
EverBank vs SoFi Bank3.80%$0
EverBank vs Synchrony Bank3.30%$0
EverBank vs TD Bank2.50%$0
EverBank vs UFB Direct3.46%$5,000
EverBank vs Upgrade3.05%$0
EverBank vs Varo Bank3.75%$0
EverBank vs Wealthfront3.95%$0
EverBank vs Wells Fargo0.05%$25

CD Overview

4.10% Highest
Across 33 CD products with terms: 12 months, 24 months, 6 months, 36 months, 3 months, 25 months, 13 months, 7 months, 60 months, 48 months, 30 months, 18 months, 9 months

CD Products Offered by EverBank

Feature
3 month CDAR
3 months
3 month CDAR
3 months
3-Month CD
3 months
3-Month
3 months
6 month CDAR
6 months
6 month CDAR
6 months
6-Month CD
6 months
6-Month
6 months
7-Month CD
7 months
9-Month CD
9 months
9-Month
9 months
1 year CDAR
12 months
1 year CDAR
12 months
12-Month CD
12 months
1 year
12 months
13-Month CD
13 months
18-Month CD
18 months
1.5 year
18 months
2 year CDAR
24 months
24-Month CD
24 months
2 year CDAR
24 months
2 year
24 months
25-Month CD
25 months
30-Month CD
30 months
2.5 year
30 months
3 year CDAR
36 months
36-Month CD
36 months
3 year CDAR
36 months
3 year
36 months
48-Month CD
48 months
4 year
48 months
60-Month CD
60 months
5 year
60 months
APY
3.05%Verified: 8/20/2026
2.20%Verified: 8/21/2026
3.60%Verified: 8/20/2026
2.45%Verified: 8/21/2026
3.04%Verified: 8/20/2026
3.45%Verified: 8/21/2026
3.60%Verified: 8/20/2026
3.70%Verified: 8/21/2026
4.10%Verified: 8/20/2026
3.40%Verified: 8/20/2026
2.65%Verified: 8/21/2026
3.35%Verified: 8/21/2026
2.77%Verified: 8/20/2026
3.40%Verified: 8/20/2026
3.60%Verified: 8/21/2026
3.60%Verified: 8/20/2026
3.40%Verified: 8/20/2026
2.10%Verified: 8/21/2026
2.66%Verified: 8/20/2026
3.40%Verified: 8/20/2026
1.95%Verified: 8/21/2026
2.20%Verified: 8/21/2026
3.65%Verified: 8/20/2026
3.40%Verified: 8/20/2026
2.30%Verified: 8/21/2026
3.22%Verified: 8/20/2026
3.40%Verified: 8/20/2026
2.15%Verified: 8/21/2026
2.40%Verified: 8/21/2026
3.40%Verified: 8/20/2026
2.50%Verified: 8/21/2026
3.40%Verified: 8/20/2026
2.50%Verified: 8/21/2026
Term
3 months3 months3 months3 months6 months6 months6 months6 months7 months9 months9 months12 months12 months12 months12 months13 months18 months18 months24 months24 months24 months24 months25 months30 months30 months36 months36 months36 months36 months48 months48 months60 months60 months
Min. Deposit
$10,000$10,000$1,000$1,500$10,000$10,000$1,000$1,500$1,000$1,000$1,500$10,000$10,000$1,000$1,500$1,000$1,000$1,500$10,000$1,000$10,000$1,500$1,000$1,000$1,500$10,000$1,000$10,000$1,500$1,000$1,500$1,000$1,500
Early Withdrawal
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
FDIC Insured
 Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes
Notes
Expanded FDIC coverage. Funding limit: $12MExpanded FDIC coverage. Funding limit: $12M--Expanded FDIC coverage. Funding limit: $12MExpanded FDIC coverage. Funding limit: $12M-----Expanded FDIC coverage. Funding limit: $12MExpanded FDIC coverage. Funding limit: $12M-----Expanded FDIC coverage. Funding limit: $1M-Expanded FDIC coverage. Funding limit: $1M----Expanded FDIC coverage. Funding limit: $0.5M-Expanded FDIC coverage. Funding limit: $0.5M-----

EverBank CD Rates Over Time

Alternatives to EverBank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Waterman Bank

High Yield Savings: 3.82% APY

Minimum Deposit: $50

Business Savings: 3.82% APY

Minimum Deposit: $50

Kids Savings: 3.82% APY

Minimum Deposit: $50

Christmas Club: 0.25% APY

Minimum Deposit: $0.01

Business Money Market: 3.82% APY

Minimum Deposit: $2,500

Money Market: 3.82% APY

Minimum Deposit: $2,500

High Plains Bank

High Yield Savings Account: 3.82% APY

Minimum Deposit: $25

Poppy Bank

Poppy Premier Personal Savings: 0.50% APY

Minimum Deposit: $1,000

Poppy Blooms Youth Savings Account: 3.75% APY

Minimum Deposit: $0

Eligible States: Limited (see details)

Poppy Premier Online Savings: 4.00% APY

Minimum Deposit: $1,000

Online Only

Primis Bank

Primis Savings Account: 3.85% APY

Minimum Deposit: $1

Online Only

Primis Business Savings: 4.00% APY

Minimum Deposit: $1

Online Only

Live Oak Bank

Personal Savings: 3.90% APY

Minimum Deposit: $0

Online Only

Business Savings: 2.75% APY

Minimum Deposit: $0

Online Only

Bread Savings

High-Yield Savings Account: 3.95% APY

Minimum Deposit: $100

Online Only

Popular Direct

Popular Direct Exclusive Savings: 3.90% APY

Minimum Deposit: $100

Online Only

Axos Bank

Axos ONE Savings: 4.21% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

Business Premium Savings: 3.50% APY

Minimum Deposit: $0

Online Only

Summit Savings: 3.75% APY

Minimum Deposit: $0

Online Only

First Savings: 0.25% APY

Minimum Deposit: $0

Online Only

Vio Bank

Online Savings Account: 3.99% APY

Minimum Deposit: $100

Online Only

Cornerstone Money Market Savings: 3.45% APY

Minimum Deposit: $100

Online Only

Peak Bank

Envision High Yield Savings: 4.01% APY

Minimum Deposit: $100

Online Only

SoFi Bank

SoFi Savings: 3.80% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

Direct Deposit: Not required

Fitness Bank

Fitness Elite Checking & Fitness Savings Combo: 4.05% APY

Bundled Savings & Checking Account

Minimum Deposit: $100

Online Only

Senior Fitness Savings Account: 3.75% APY

Minimum Deposit: $100

Online Only

Fitness Savings Account: 3.75% APY

Minimum Deposit: $100

Online Only