RBMAX

Last Updated: 7/1/2025

Note: Interest rates below are reported as APY, or Annual Percentage Yield

Quick Views

Max Interest Savings: 4.15% APY(Rank 34 out of 76 tracked HYSAs)

Minimum Deposit: $10 | Online Only

National Savings Interest Rate: 0.38% (as of 6/16/2025)

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: Louisville, Kentucky

Founded: 1981

Affiliation: RBMAX is a division of Republic Bank & Trust Company

Access to Branches: None

BBB Rating: A+ (BBB Accredited)

App Store Rating: 4.8/5

Google Play Rating: 4.4/5

Website: Visit RBMAX

Our Take on RBMAX

Highlights

  • 4.15% APY on Max Interest Savings account
  • No maintenance fees with electronic statements
  • A+ BBB rating with accreditation
  • High App Store rating of 4.8

Considerations

  • No branches available for in-person service
  • APY capped at $249,999.99, drops above that amount
  • Direct deposit not required, but could limit options
  • Google Play rating lower at 4.4
Summary: RBMAX offers a competitive 4.15% APY on its Max Interest Savings account, with no maintenance fees if electronic statements are chosen. The bank holds an A+ BBB rating and is accredited, reflecting its trustworthiness. However, it operates online only, lacking physical branches, and the APY is capped at $249,999.99. Additionally, while direct deposit is not required, this may limit some account options for potential savers.

Savings Account

Savings Account Offered by RBMAX

FeatureMax Interest Savings
APY
4.15% (as of 7/1/2025)
APY TrendStable for the last month
Minimum Deposit$10
Minimum Balance for APY$0
FDIC-insured
Yes
Online OnlyYes
Bundled Account
No
Direct Deposit Required
No
Compound Frequency
Monthly
Maintenance Fee$0 with electronic statements
EligibilityUnited States
NoteThe 4.15% APY is capped at $249,999.99, after which it drops substantially.

No deposit agreement summary available for this bank.

Calculate Savings for RBMAX

All calculations are based on APY.

Max Interest Savings (APY: 4.15%)

Deposit Frequency:

Total savings breakdown:

  • Interest earned: $4 (3.85%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $100 (96.15%)

Your total balance

$104.00

Effective APY: 4.15% (based on your deposit and contributions)

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

RBMAX Savings Rates Over Time

Historical APY Insights

MetricMax Interest Savings
Latest APY4.15 %
TrendSideways
Slope (bps/mo)0.0
Rate Changes / Mo0.00
Days Since Last Change120
High (-4 m)4.15 %
Low (-4 m)4.15 %
Draw-down from High0.0 %
Volatility (CV)0.000
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 4 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-4 m)
Highest APY in the last 122 days.
Low (-4 m)
Lowest APY in the last 122 days.
Draw-down from High
How far today sits below the 4-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

Compare RBMAX's Savings Account

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  • SoFi Bank - 3.80% APY
  • Synchrony Bank - 3.80% APY
  • TAB Bank - 4.15% APY
  • TD Bank - 0.05-3.00% APY
  • The State Exchange Bank - 1.90% APY
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  • UFB Direct - 4.01-4.21% APY
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  • Valley Direct - 4.20% APY
  • Varo Bank - 2.50-5.00% APY
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FeatureRBMAXSelect a bank...
ProductMax Interest SavingsN/A
APY
4.15% (as of 7/1/2025)N/A
Bundled Account
NoN/A
FDIC-insured
YesN/A
Online OnlyYesN/A
Compound Frequency
MonthlyN/A
Minimum Deposit$10N/A
Minimum Balance for APY$0N/A
Maintenance Fee$0 with electronic statementsN/A
Direct Deposit Required
NoN/A
NoteThe 4.15% APY is capped at $249,999.99, after which it drops substantially.N/A