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 Yield

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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

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
Summary: ROGER offers a competitive 4.12% APY on its savings account for balances up to $250,000, with no minimum deposit or maintenance fees. However, it requires a ROGER Checking account to open and higher balances earn no interest. While the bank is open to all, it is designed for military members and their families. The bank has strong ratings, with a 4.9 on the App Store and an A+ BBB rating.

Savings Account: In-Depth View

Savings Account Offered by ROGER

FeatureROGER 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 OnlyYes
Bundled Account
Yes
Direct Deposit Required
No
Compound Frequency
Monthly
Maintenance Fee$0
EligibilityUnited States
NoteThe 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

All calculations are based on APY.

ROGER Savings (APY: 4.12%)

Deposit Frequency:

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

MetricROGER Savings
Latest APY4.12 %
TrendFalling
Slope (bps/mo)-18.3
Rate Changes / Mo0.39
Days Since Last Change46
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

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  • Bank of America - 0.01% APY
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  • 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
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  • 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
FeatureROGERSelect a bank...
ProductROGER Savings N/A
APY
4.12% (as of 8/15/2025)N/A
Bundled Account
YesN/A
FDIC-insured
YesN/A
Online OnlyYesN/A
Compound Frequency
MonthlyN/A
Minimum Deposit$0N/A
Minimum Balance for APY$0N/A
Maintenance Fee$0N/A
Direct Deposit Required
NoN/A
NoteThe 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

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