RBMAX
Last Updated: 7/1/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick 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
Feature | Max Interest Savings |
---|---|
APY | 4.15% (as of 7/1/2025) |
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 | 120 |
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 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.
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Feature | RBMAX | Select a bank... |
---|---|---|
Product | Max Interest Savings | N/A |
APY | 4.15% (as of 7/1/2025) | 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 |