RBMAX: Savings Account, CDs & Rates

By Aviel Fahl

Updated: 8/19/2026

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

Interest rates reported as APY

Analysis of RBMAX

Our verdict

RBMAX offers Max Interest Savings, a high-yield savings account paying 3.40% APY with a $10 minimum deposit.

At 3.40% APY, RBMAX pays 9x the national savings average of 0.38%.

Ideal User Profile

Best for: simple saving without extra requirements and banking without needing a branch.

CD Analysis

RBMAX also offers CDs paying up to 3.70% APY on its 6 months term, with terms ranging from 12 months to 6 months.

Tracking 4 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.70% APY for a 6 months term and laddering across multiple maturities.

Key Differentiators

Stands out with top-rated iOS app (4.8), A+ BBB rating.

Savings Overview

Max Interest Savings

Savings

3.40% APY

Tiered Range: 0.20% - 3.40%

Min: $10 Online Only

Min. Deposit	$10
Min. Balance	$0
Maintenance Fee	$0 with electronic statements

Rank #84 of 337 tracked.

The stated APY is capped at $249,999.99, after which it drops substantially.

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

HQ LocationLouisville, KY
AffiliationRBMAX is a division of Republic Bank & Trust Company
Ratings & Trust
4.8iOS 4.3Android A+BBB BBB Accredited
Deposit InsuranceFDIC Insured(Cert: 23627)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Savings Account: In-Depth View

Savings Account Offered by RBMAX

Feature	Max Interest Savings
APY	3.40%Range: 0.20% - 3.40%Verified: 8/19/2026
APY Trend	N/A
Min. Deposit	$10
Min. Balance	$0
Monthly Fee	$0 with electronic statements
Direct Deposit	None
Checking Bundle	No
In-Branch Access	No
Compounding	Monthly
FDIC Insured	Yes
Eligibility	United States
Important	The stated APY is capped at $249,999.99, after which it drops substantially.
Next Steps	-

Interactive Tool

Calculate Savings for RBMAX

All calculations are based on APY.

Selected product

Max Interest Savings0.20% - 3.40% APY

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,322.70(8.6%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,322.70

Effective APY

3.40%

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

RBMAX Savings Rates Over Time

Historical APY Insights

Last 12 Months

Metric	Max Interest Savings
Latest APY	3.40%
Trend	Falling
Slope (bps/mo)	-13.8
Rate Changes / Mo	0.25
Days Since Last Change	245
High (-12m)	4.15%
Low (-12m)	3.40%
Draw-down	-18.1%
Volatility (CV)	0.070

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 361-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 RBMAX

Feature	Current View RBMAX	Empty Slot
Product	Max Interest Savings	-
APY	0.20% - 3.40%Verified: 8/19/2026	-
APY Trend	N/A	-
Min. Deposit	$10	N/A
Monthly Fee	$0 with electronic statements	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	No	-
Eligibility	United States	-
Compounding	Monthly	-
FDIC or NCUA Insured	Yes	-
Note	The stated APY is capped at $249,999.99, after which it drops substantially.	-
Next Steps	-	-

CD Overview

3.70% Highest APY

Across 4 CD products with terms: 11 months, 60 months, 6 months, 12 months

CD Products Offered by RBMAX

Feature	6-Month Available CDs 6 months	11-Month Available CDs 11 months	12-Month Available CDs 12 months	60-Month Available CDs 60 months
APY	3.70%Verified: 8/19/2026	3.50%Verified: 8/19/2026	3.10%Verified: 8/19/2026	3.50%Verified: 8/19/2026
Term	6 months	11 months	12 months	60 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000
Early Withdrawal	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes