RBMAX: Savings Accounts & Rates

Savings rates updated: 8/15/2025

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

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

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Savings Overview

Max Interest Savings: 4.15% APY(Rank 34 out of 81 tracked HYSAs)

Minimum Deposit: $10 | Online Only

National Savings Interest Rate: 0.38% (as of 7/21/2025)

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: 4.3/5

Website: Visit RBMAX

Our Take on RBMAX

Highlights

  • 4.15% APY on Max Interest Savings account
  • No maintenance fee with electronic statements
  • $10 minimum deposit requirement
  • A+ BBB rating and accredited

Considerations

  • APY capped at $249,999.99
  • Online-only bank with no physical branches
  • No direct deposit requirement may limit some users
  • No other savings accounts with higher APY
Summary: RBMAX offers a competitive 4.15% APY on its Max Interest Savings account, requiring only a $10 minimum deposit and no maintenance fees with electronic statements. The account is online-only and has an A+ BBB rating, indicating strong trustworthiness. However, the APY is capped at $249,999.99, and there are no physical branches. Additionally, the lack of other higher APY savings accounts may limit options for savers.

Savings Account: In-Depth View

Savings Account Offered by RBMAX

FeatureMax Interest Savings
APY
4.15% (as of 8/15/2025)
APY TrendStable for the last quarter
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.
Sponsored Link

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: $1,630 (10.43%)
  • Total contributions: $13,000 (83.17%)
  • Initial deposit: $1,000 (6.40%)

Your total balance

$15,630.00

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 Change167
High (-6 m)4.15 %
Low (-6 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 6 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 (-6 m)
Highest APY in the last 169 days.
Low (-6 m)
Lowest APY in the last 169 days.
Draw-down from High
How far today sits below the 6-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

  • Affirm - 3.85% APY
  • All America Bank - 1.50-3.25% APY
  • Ally Bank - 3.50% APY
  • Amalgamated Bank - 2.25% APY
  • American Express - 3.50% APY
  • Ameriprise Bank - 3.15-3.15% APY
  • Axos Bank - 4.46% APY
  • Bank5 Connect - 4.05% APY
  • Bank of America - 0.01% APY
  • Barclays - 3.90-4.10% APY
  • Bask Bank - 4.20% APY
  • Betterment - 4.00% APY
  • BMO Alto - 3.50% APY
  • Bread Savings - 4.25% APY
  • BrioDirect - 4.30% APY
  • Capital One - 3.50% APY
  • Carver Bank - 4.00% APY
  • Charles Schwab Bank - 0.15% APY
  • Chase Bank - 0.01% APY
  • Chime - 1.25-3.75% APY
  • CIBC Bank USA - 4.02% APY
  • CIT Bank - 0.25-4.00% APY
  • Citibank - 3.50% APY
  • Citizens Access™ - 3.50% APY
  • Colorado Federal Savings Bank - 4.15% APY
  • ConnectOne Bank - 4.00% APY
  • Customers Bank - 4.23% APY
  • Discover Bank - 3.50% APY
  • Elevault - 4.60% APY
  • E*TRADE from Morgan Stanley - 4.00% APY
  • EverBank - 4.30% APY
  • Evergreen Bank Group - 4.25% APY
  • First Foundation Bank - 4.25% APY
  • Fitness Bank - 4.85% APY
  • Flagstar Bank - 4.00% APY
  • FNBO Direct - 3.25% APY
  • Forbright Bank - 4.25% APY
  • FVCbank - 4.35% APY
  • GO2bank - 4.50% APY
  • High Plains Bank - 0.23-3.82% APY
  • Jenius Bank - 4.20% APY
  • LendingClub - 3.20-4.20% APY
  • Live Oak Bank - 4.10% APY
  • Marcus by Goldman Sachs - 3.65% APY
  • My Banking Direct - 4.30% APY
  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.60% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 1.00% APY
  • Openbank - 4.20% APY
  • Peak Bank - 4.35% APY
  • Pibank - 4.60% APY
  • PNC - 3.95% APY
  • Poppy Bank - 4.25% APY
  • Popular Direct - 4.05% APY
  • Presidential Bank - 4.00-4.50% APY
  • Prime Alliance Bank - 4.05% APY
  • Primis Bank - 4.20% APY
  • Quontic Bank - 3.75% APY
  • Rising Bank - 4.30% APY
  • ROGER - 4.12% APY
  • Salem Five Direct - 4.01% APY
  • Sallie Mae Bank - 3.90% APY
  • Santander Bank - 0.03% APY
  • 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 - 3.05% APY
  • TIMBR - 4.40% APY
  • UFB Direct - 4.01-4.21% APY
  • Upgrade - 4.02% APY
  • Valley Direct - 4.30% APY
  • Varo Bank - 2.50-5.00% APY
  • Wells Fargo - 0.05-2.51% APY
  • Western Alliance Bank - 4.30% APY
  • Zynlo Bank - 4.35% APY
FeatureRBMAXSelect a bank...
ProductMax Interest Savings N/A
APY
4.15% (as of 8/15/2025)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

Alternatives to RBMAX

Banks with Higher/Similar Savings APY

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

Varo Bank

High-Yield Savings Account: 5.00% APY

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Agility™ High-Interest Savings Account: 4.02% APY

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Forbright Bank

Growth Savings: 4.25% APY

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Bright Savings: 3.90% APY

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Sprout Savings: 3.90% APY

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Evergreen Bank Group

High-Yield Online Savings: 4.25% APY (Inactive)

Minimum Deposit: $100

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Primis Bank

Primis Savings Account: 4.20% APY

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TIMBR

Premium Savings Account: 4.40% APY

Minimum Deposit: $1,000

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Pibank

Pibank Savings: 4.60% APY

Minimum Deposit: $0

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GO2bank

High Yield Savings: 4.50% APY

Minimum Deposit: $0

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Fitness Bank

Fitness Savings Account: 4.50% APY

Minimum Deposit: $100

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Fitness Elite Checking & Fitness Savings Combo: 4.85% APY

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Minimum Deposit: $100

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Yield Shield Savings Account: 4.23% APY

Minimum Deposit: $25,000

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Bread Savings

High-Yield Savings Account: 4.25% APY

Minimum Deposit: $100

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Western Alliance Bank

High-Yield Savings Premier: 4.30% APY

Minimum Deposit: $500

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