RBMAX
Last Updated: 6/20/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
Max Interest Savings: 4.15% APY(Rank 35 out of 74 tracked HYSAs)
Minimum Deposit: $10 | Online Only
National Savings Interest Rate: 0.42% (as of 5/19/2025)
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
- High APY of 4.15% for Max Interest Savings account.
- No maintenance fees with electronic statements.
- A+ BBB rating indicates strong trustworthiness.
- App Store rating of 4.8 and Google Play rating of 4.4.
Considerations
- APY capped at $249,999.99; drops significantly after that.
- No branch locations for in-person support.
- No direct deposit requirement may limit some users.
- No other savings account options with higher APY.
Summary: RBMAX offers a competitive APY of 4.15% for its Max Interest Savings account, with no maintenance fees if electronic statements are chosen. The bank holds an A+ BBB rating and has high app ratings, enhancing its credibility. However, the APY is capped at $249,999.99, and there are no branch locations for customer service. Additionally, the lack of a direct deposit requirement may deter some potential account holders.
Savings Account
Savings Account Offered by RBMAX
Feature | Max Interest Savings |
---|---|
APY | 4.15% (as of 6/20/2025) |
APY Trend | Stable for the last month |
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 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
Metric | Max Interest Savings |
---|---|
Latest APY | 4.15 % |
Trend | Sideways |
Slope (bps/mo) | 0.0 |
Rate Changes / Mo | 0.00 |
Days Since Last Change | 111 |
High (-4 m) | 4.15 % |
Low (-4 m) | 4.15 % |
Draw-down from High | 0.0 % |
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 112 days.
- Low (-4 m)
- Lowest APY in the last 112 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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Feature | RBMAX | Select a bank... |
---|---|---|
Product | Max Interest Savings | N/A |
APY | 4.15% (as of 6/20/2025) | 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 4.15% APY is capped at $249,999.99, after which it drops substantially. | N/A |