ROGER: Savings Account & Rates

By Aviel Fahl

Updated: 1/7/2026

Mission: Banksparency aims to make ROGER's savings account transparent and comparable to the market.

Interest rates reported as APY

Savings Overview

ROGER Savings

3.61% APY

Rate Adjusted

-0.26%

Since 30 days ago

No Minimums Checking Bundle Online Only

Min. Deposit	$0
Min. Balance	$0
Maintenance Fee	$0

Rank #55 of 102 tracked.

The 3.61% 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.

Market Reality Check

This bank offers rates below the current top tier. The best rates we track are currently above 4.21% APY.

See Top Rates

National Avg: 0.39% (FDIC, 12/15/2025).
Banksparency tracks live rates daily.

Bank Overview

AffiliationROGER is a registered trademark of Citizens Bank of Edmond
Ratings & Trust
4.8iOS 4.5Android A+BBB Not BBB Accredited
Zelle® SupportNo Support
Standard ACH or Wire transfers only.
Deposit InsuranceFDIC Insured(Cert: 4084)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.31%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Jan 7, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.4

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Jan 7, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.9

FLEXIBILITY & Customer Service

SponsoredVerified Jan 7, 2026

UFB Direct

FDIC Insured

UFB Portfolio Savings

No maintenance fee or minimum balance to open
Boost your savings rate by 0.20% APY with Freedom Checking
Earn 2.00% APY on checking balances

FDIC Insured

Savings3.26%APY

Go to UFB Direct

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.3

Our Take on ROGER

The Good

Decent APY of 3.61%
No minimum deposit or balance requirements
No monthly maintenance fees
Highly rated mobile apps (iOS: 4.8, Android: 4.5)

Considerations

APY drastically decreases for balances over $250,000
Requires opening a checking account (bundled)
No physical branch access (online only)

Verdict

ROGER offers a competitive savings account with an APY of 3.61% for balances up to $250,000, but higher balances earn no interest. To open a ROGER Savings account, you must also have a ROGER Checking account. This account is available to everyone, although it is designed for military members and their families. There are no minimum deposit or balance requirements, and no monthly maintenance fees. However, keep in mind that this account is online-only, and the APY significantly decreases for balances exceeding $250,000.

Savings Account: In-Depth View

Savings Account Offered by ROGER

Feature	ROGER Savings
APY	3.61%Verified: 1/7/2026
APY Trend	Rate Adjusted -0.26% Since 30 days ago
Min. Deposit	$0
Min. Balance	$0
Monthly Fee	$0
Direct Deposit	None
Checking Bundle	Yes
Branch Access	None
Compounding	Monthly
FDIC Insured	Yes
Eligibility	United States
Important	The 3.61% 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.
Next Steps	-

Calculate Savings for ROGER

All calculations are based on APY.

Selected Product

ROGER Savings3.61% APY

Initial Deposit

Recurring Deposit

Frequency

Duration

ℹ️Earn 3.61% on first $250,000, and 0.00% on the rest.

Savings Breakdown

Interest Earned
+$1,408.10(9.1%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,408.10

Effective APY

3.61%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

ROGER Savings Rates Over Time

Historical APY Insights

Last 10 Months

Metric	ROGER Savings
Latest APY	3.61%
Trend	Falling
Slope (bps/mo)	-13.0
Rate Changes / Mo	0.41
Days Since Last Change	18
High (-10m)	5.00%
Low (-10m)	3.61%
Draw-down	-27.8%
Volatility (CV)	0.095

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 294-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with ROGER

Feature	Current View ROGER	Empty Slot
Product	ROGER Savings	-
APY	3.61%Verified: 1/7/2026	-
APY Trend	Rate Adjusted -0.26% Since 30 days ago	-
Min. Deposit	$0	-
Monthly Fee	$0	-
Direct Deposit	No	-
Checking Bundle	Yes	-
Branch Access	None	-
Eligibility	United States	-
Compounding	Monthly	-
FDIC Insured	Yes	-
Note	The 3.61% 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.	-
Next Steps	-	-