RBMAX: Savings Accounts & Rates

Savings rates updated: 10/1/2025

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: 3.90% APY(Rank 47 out of 83 tracked HYSAs)

Minimum Deposit: $10 | Online Only

National Savings Interest Rate: 0.4% (as of 9/15/2025)

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 BBB Accredited
High App Store rating of 4.8

Considerations

APY decreased from 4.15% in the last 30 days
APY capped at $249,999.99, drops significantly after
No physical branches available
Direct deposit not required, but may limit options

Summary: RBMAX offers a competitive 3.90% APY on its Max Interest Savings account, although this is a decrease from 4.15% last month. The account has no maintenance fees if electronic statements are chosen. With an A+ BBB rating and a high App Store rating of 4.8, RBMAX is a reliable choice for savers. However, the APY cap and lack of physical branches may be drawbacks for some users.

Savings Account: In-Depth View

Savings Account Offered by RBMAX

Feature	Max Interest Savings
APY	3.90% (as of 10/1/2025)
APY Trend	-0.25% MoM
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.
Sponsored Link
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)	-1.1
Rate Changes / Mo	0.14
Days Since Last Change	9
High (-7 m)	4.15 %
Low (-7 m)	3.90 %
Draw-down from High	-6.0 %
Volatility (CV)	0.014

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 7 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 (-7 m): Highest APY in the last 213 days.
Low (-7 m): Lowest APY in the last 213 days.
Draw-down from High: How far today sits below the 7-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	3.90% (as of 10/1/2025)	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 3.90% APY is capped at $249,999.99, after which it drops substantially.	N/A