ROGER: Savings Accounts & Rates
Savings rates updated: 8/15/2025
Mission statement: Banksparency aims to make ROGER'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 YieldWe earn a commission if you open an account through some links on this page.
Savings Overview
ROGER Savings: 4.12% APY(Rank 36 out of 81 tracked HYSAs)
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
Affiliation: ROGER is a registered trademark of Citizens Bank of Edmond
BBB Rating: A+
App Store Rating: 4.9/5
Google Play Rating: 4.7/5
Website: Visit ROGER
Our Take on ROGER
Highlights
- 4.12% APY for balances up to $250,000
- No minimum deposit or balance required
- No monthly maintenance fees
- High App Store rating of 4.9
Considerations
- Requires a ROGER Checking account to open
- Higher balances earn no interest
- Online-only bank may lack personal service
- Limited to military members and their families
Savings Account: In-Depth View
Savings Account Offered by ROGER
Feature | ROGER Savings |
---|---|
APY | 4.12% (as of 8/15/2025) |
APY Trend | -0.53% QoQ |
Minimum Deposit | $0 |
Minimum Balance for APY | $0 |
FDIC-insured | Yes |
Online Only | Yes |
Bundled Account | Yes |
Direct Deposit Required | No |
Compound Frequency | Monthly |
Maintenance Fee | $0 |
Eligibility | United States |
Note | The 4.12% APY is for balances up to $250,000, while higher balances earn no interest. You need a ROGER Checking account to open. While designed for military members and their families, ROGER is open to all. |
Sponsored Link | |
No deposit agreement summary available for this bank. |
Calculate Savings for ROGER
ROGER Savings (APY: 4.12%)
Total savings breakdown:
- Interest earned: $1,617.6 (10.36%)
- Total contributions: $13,000 (83.24%)
- Initial deposit: $1,000 (6.40%)
Your total balance
$15,617.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
ROGER Savings Rates Over Time
Historical APY Insights
Metric | ROGER Savings |
---|---|
Latest APY | 4.12 % |
Trend | Falling |
Slope (bps/mo) | -18.3 |
Rate Changes / Mo | 0.39 |
Days Since Last Change | 46 |
High (-5 m) | 5.00 % |
Low (-5 m) | 4.12 % |
Draw-down from High | -17.6 % |
Volatility (CV) | 0.067 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 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 (-5 m)
- Highest APY in the last 152 days.
- Low (-5 m)
- Lowest APY in the last 152 days.
- Draw-down from High
- How far today sits below the 5-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 ROGER's Savings Account
- Affirm - 3.85% APY
- All America Bank - 1.50-3.25% APY
- Ally Bank - 3.50% APY
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- 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
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- 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
- RBMAX - 4.15% APY
- Rising Bank - 4.30% 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
Feature | ROGER | Select a bank... |
---|---|---|
Product | ROGER Savings | N/A |
APY | 4.12% (as of 8/15/2025) | N/A |
Bundled Account | Yes | N/A |
FDIC-insured | Yes | N/A |
Online Only | Yes | N/A |
Compound Frequency | Monthly | N/A |
Minimum Deposit | $0 | N/A |
Minimum Balance for APY | $0 | N/A |
Maintenance Fee | $0 | N/A |
Direct Deposit Required | No | N/A |
Note | The 4.12% APY is for balances up to $250,000, while higher balances earn no interest. You need a ROGER Checking account to open. While designed for military members and their families, ROGER is open to all. | N/A |
Alternatives to ROGER
Banks with Higher/Similar Savings APY
For a top list of the highest savings rates, see all HYSA top rates
Elevault
High Yield Savings Account: 4.60% APY
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High-Yield Savings Account: 4.20% APY
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High-Yield Savings Account: 4.30% APY
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Prime Alliance Bank
Personal Savings: 4.05% APY
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UFB Direct
UFB Portfolio Savings: 4.01% APY
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Neighbors Bank
Neighbors Savings Account: 4.60% APY
Minimum Deposit: $0
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Jenius Bank
Jenius Savings: 4.20% APY
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Salem Five Direct
eOne Savings: 4.01% APY
Minimum Deposit: $10
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