RBMAX: Savings Accounts & Rates

Savings rates updated: 11/15/2025

Mission statement: Banksparency aims to make RBMAX's savings accounts transparent and comparable to those of other banks. .

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

We earn a commission if you open an account through some links on this page.

Savings Overview

Max Interest Savings: 3.90% APY(Rank 44 out of 86 tracked HYSAs)

Minimum Deposit: $10 | Online Only

National Savings Interest Rate: 0.4% (as of 10/20/2025)

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

Deposit Insurance: FDIC Cert # 23627

BBB Rating: A+ (BBB Accredited)

App Store Rating: 4.8/5

Google Play Rating: 4.3/5

Website: Visit RBMAX

Our Take on RBMAX

Highlights

3.90% APY on Max Interest Savings account
No maintenance fees with electronic statements
A+ BBB rating and accredited
High App Store rating of 4.8

Considerations

APY capped at $249,999.99
No physical branches available
Direct deposit not required, which may limit options
Only online banking services offered

Summary: RBMAX offers a competitive 3.90% APY on its Max Interest Savings account, with no maintenance fees for electronic statements. The bank holds an A+ BBB rating and is accredited, which enhances its credibility. However, the APY is capped at $249,999.99, and there are no physical branches, limiting in-person banking options. The bank operates exclusively online, appealing to savers who prefer digital banking.

Savings Account: In-Depth View

Savings Account Offered by RBMAX

Feature	Max Interest Savings
APY	3.90% (as of 11/15/2025)
APY Trend	-0.25% QoQ
Minimum Deposit	$10
Minimum Balance for APY	$0
FDIC-insured	Yes
Online Only	Yes
Bundled Account	No
Direct Deposit Required	No
Compound Frequency	Monthly
Maintenance Fee	$0 with electronic statements
Eligibility	United States
Note	The 3.90% APY is capped at $249,999.99, after which it drops substantially.
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No deposit agreement summary available for this bank.

Calculate Savings for RBMAX

All calculations are based on APY.

Savings Product:

Max Interest Savings (APY: 3.90%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

Total savings breakdown:

Interest earned: $1,526.9 (9.83%)
Total contributions: $13,000 (83.73%)
Initial deposit: $1,000 (6.44%)

Your total balance

$15,526.90

Effective APY: 3.90% (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

Metric	Max Interest Savings
Latest APY	3.90 %
Trend	Sideways
Slope (bps/mo)	-3.1
Rate Changes / Mo	0.12
Days Since Last Change	54
High (-8 m)	4.15 %
Low (-8 m)	3.90 %
Draw-down from High	-6.0 %
Volatility (CV)	0.026

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 8 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 (-8 m): Highest APY in the last 259 days.
Low (-8 m): Lowest APY in the last 259 days.
Draw-down from High: How far today sits below the 8-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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Barclays - 3.90-4.10% APY
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Chime - 1.00-3.50% APY
CIBC Bank USA - 3.92% APY
CIT Bank - 0.25-3.85% APY
Citibank - 3.35% APY
Citizens Access™ - 3.35% APY
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ConnectOne Bank - 3.60% APY
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Elevault - 4.08% APY
E*TRADE from Morgan Stanley - 3.75% APY
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Evergreen Bank Group - 4.25% APY
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FNBO Direct - 3.00% APY
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GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Ivy Bank - 0.05-4.25% APY
Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 3.90% APY
Marcus by Goldman Sachs - 3.65% APY
MutualOne Bank - 4.07% APY
My Banking Direct - 4.02% APY
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Neighbors Bank - 4.50% APY
Newtek Bank - 4.35% APY
Northeast Bank - 2.50-3.00% APY
OMB Bank - 1.00% APY
Openbank - 4.20% APY
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PNC - 3.53% APY
Poppy Bank - 4.00% APY
Popular Direct - 4.00% APY
Presidential Bank - 3.75-4.25% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
Quontic Bank - 3.75% APY
Rising Bank - 3.95% APY
ROGER - 3.87% APY
Salem Five Direct - 3.71% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.01% APY
SmartyPig - 3.90% APY
SoFi Bank - 4.30% APY
Synchrony Bank - 3.80% APY
TAB Bank - 3.80% APY
TD Bank - 0.05-2.75% APY
The State Exchange Bank - 3.96% APY
TIMBR - 4.40% APY
UFB Direct - 3.51-3.71% APY
Upgrade - 3.05% APY
Valley Direct - 4.10% APY
Varo Bank - 2.50-5.00% APY
Vio Bank - 4.21% APY
Wealthfront - 3.50-4.15% APY
Wells Fargo - 0.05-0.05% APY
Western Alliance Bank - 4.05% APY
Zynlo Bank - 4.20% APY

Feature	RBMAX	Select a bank...
Product	Max Interest Savings	N/A
APY	3.90% (as of 11/15/2025)	N/A
Bundled Account	No	N/A
FDIC-insured	Yes	N/A
Online Only	Yes	N/A
Compound Frequency	Monthly	N/A
Minimum Deposit	$10	N/A
Minimum Balance for APY	$0	N/A
Maintenance Fee	$0 with electronic statements	N/A
Direct Deposit Required	No	N/A
Note	The 3.90% APY is capped at $249,999.99, after which it drops substantially.	N/A

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Neighbors Savings Account: 4.50% APY

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