ROGER: Savings Accounts & Rates

Savings rates updated: 8/22/2025

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 Yield

We 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)

Minimum Deposit: $0 | Bundled Savings & Checking Account | 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

Affiliation: ROGER is a registered trademark of Citizens Bank of Edmond

Deposit Insurance: FDIC Cert # 4084

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 maintenance fees or minimum balance requirements
A+ BBB rating indicates high trustworthiness
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

Summary: ROGER offers a competitive 4.12% APY on savings up to $250,000, with no fees or minimum balance. However, to open a ROGER Savings account, a ROGER Checking account is necessary. While it has an A+ BBB rating and high app ratings, it primarily caters to military families, which may limit accessibility. The online-only model may not suit everyone, especially those preferring in-person banking.

Savings Account: In-Depth View

Savings Account Offered by ROGER

Feature	ROGER Savings
APY	4.12% (as of 8/22/2025)
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.
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No deposit agreement summary available for this bank.

Calculate Savings for ROGER

All calculations are based on APY.

Savings Product:

ROGER Savings (APY: 4.12%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

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

Effective APY: 4.12% (based on your deposit and contributions)

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)	-18.0
Rate Changes / Mo	0.38
Days Since Last Change	52
High (-5 m)	5.00 %
Low (-5 m)	4.12 %
Draw-down from High	-17.6 %
Volatility (CV)	0.068

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 157 days.
Low (-5 m): Lowest APY in the last 157 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

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Feature	ROGER	Select a bank...
Product	ROGER Savings	N/A
APY	4.12% (as of 8/22/2025)	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