ROGER
Last Updated: 6/20/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
ROGER Savings: 4.65% APY(Rank 4 out of 74 tracked HYSAs)
Minimum Deposit: $0 | Bundled Savings & Checking Account | Online Only
National Savings Interest Rate: 0.42% (as of 5/19/2025)
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
- Offers 4.65% APY for balances up to $250,000.
- No maintenance fees or minimum balance requirements.
- High BBB rating of A+ indicates strong trustworthiness.
- App Store rating of 4.9 and Google Play rating of 4.7.
Considerations
- Requires a ROGER Checking account to open the savings account.
- Higher balances earn no interest.
- Online-only bank may lack personal service options.
- Direct deposit not required but may limit some users.
Summary: ROGER offers a competitive 4.65% APY on its savings account for balances up to $250,000, with no maintenance fees or minimum balance requirements. It has strong ratings, including an A+ from the BBB and high app ratings. However, users must open a ROGER Checking account to access the savings account, and higher balances do not earn interest. Being an online-only bank may also limit personal service options.
Savings Account
Savings Account Offered by ROGER
| Feature | ROGER Savings |
|---|---|
| APY | 4.65% (as of 6/20/2025) |
| APY Trend | Stable for the last month |
| 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 4.65% 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. |
No deposit agreement summary available for this bank. | |
Calculate Savings for ROGER
All calculations are based on APY.
ROGER Savings (APY: 4.65%)
Deposit Frequency:
Total savings breakdown:
- Interest earned: $5 (4.76%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (95.24%)
Your total balance
$105.00
Effective APY: 4.65% (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 | 4.65 % |
| Trend | Falling |
| Slope (bps/mo) | -11.1 |
| Rate Changes / Mo | 0.32 |
| Days Since Last Change | 73 |
| High (-3 m) | 5.00 % |
| Low (-3 m) | 4.65 % |
| Draw-down from High | -7.0 % |
| Volatility (CV) | 0.031 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 94 days.
- Low (-3 m)
- Lowest APY in the last 94 days.
- Draw-down from High
- How far today sits below the 3-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 | 4.65% (as of 6/20/2025) | 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 4.65% 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 |