ROGER: Savings Accounts & Rates
Mission: Banksparency aims to make ROGER's savings accounts transparent and comparable to the market.
Interest rates reported as APY
Savings Overview
ROGER Savings
3.87% APY
No Minimums Checking Bundle Online Only
| Min. Deposit | $0 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
Rank #46 of 101 tracked.Compare Rates
The 3.87% 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.
Bank Overview
- Ratings & Trust
- Deposit InsuranceFDIC Insured(Cert: 4084)
Our Take on ROGER
Highlights
- Current APY is 3.87%, competitive for high-yield accounts.
- No maintenance fees or minimum balance requirements.
- High app rating of 4.8 on App Store.
- A+ BBB rating indicates strong trustworthiness.
Considerations
- Requires a ROGER Checking account to open the savings account.
- Higher balances earn no interest beyond $250,000.
- Not BBB Accredited, which may concern some users.
- Online-only access limits in-person banking options.
Summary: ROGER offers a high-yield savings account with a 3.87% APY for balances up to $250,000, appealing to savers. However, it requires a ROGER Checking account for access and provides no interest on higher balances. The bank has no maintenance fees and boasts an A+ BBB rating, although it is not BBB Accredited. With a strong app rating of 4.8, ROGER is well-regarded but lacks physical branches.
Savings Account: In-Depth View
Savings Account Offered by ROGER
| Feature | ROGER Savings |
|---|---|
| APY | 3.87% (as of 11/21/2025) |
| APY Trend | -0.25% 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 3.87% 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: 3.87%)
Deposit Frequency:
Total savings breakdown:
- Interest earned: $1,514.6 (9.76%)
- Total contributions: $13,000 (83.79%)
- Initial deposit: $1,000 (6.45%)
Your total balance
$15,514.60
Effective APY: 3.87% (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 | 3.87 % |
| Trend | Falling |
| Slope (bps/mo) | -14.3 |
| Rate Changes / Mo | 0.36 |
| Days Since Last Change | 57 |
| High (-8 m) | 5.00 % |
| Low (-8 m) | 3.87 % |
| Draw-down from High | -22.6 % |
| Volatility (CV) | 0.087 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 248 days.
- Low (-8 m)
- Lowest APY in the last 248 days.
- Draw-down from High
- How far today sits below the 8-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 - 3.60% APY
- All America Bank - 1.50-3.25% APY
- Ally Bank - 3.30% APY
- Amalgamated Bank - 2.25% APY
- American Express - 3.50% APY
- Ameriprise Bank - 3.15-3.15% APY
- Axos Bank - 4.51% APY
- Bank5 Connect - 3.85% APY
- Bank of America - 0.01% APY
- Barclays - 3.85-4.00% APY
- Bask Bank - 3.90% APY
- Betterment - 3.50% APY
- BMO Alto - 3.25% APY
- Bread Savings - 4.15% APY
- BrioDirect - 4.00% APY
- Capital One - 3.40% APY
- Carver Bank - 4.00% APY
- Charles Schwab Bank - 0.15% APY
- Chase Bank - 0.01% APY
- Chime - 1.00-3.50% APY
- CIBC Bank USA - 3.77% APY
- CIT Bank - 0.25-3.75% APY
- Citibank - 3.30% APY
- Citizens Access™ - 3.35% APY
- Colorado Federal Savings Bank - 4.05% APY
- ConnectOne Bank - 3.60% APY
- Customers Bank - 3.73% APY
- Discover Bank - 3.40% APY
- Elevault - 4.08% APY
- E*TRADE from Morgan Stanley - 3.75% APY
- EverBank - 4.05% APY
- Evergreen Bank Group - 4.25% APY
- First Foundation Bank - 4.00% APY
- Fitness Bank - 4.75% APY
- Flagstar Bank - 3.65% APY
- FNBO Direct - 3.00% APY
- Forbright Bank - 4.00% APY
- FVCbank - 3.85% APY
- GO2bank - 4.50% APY
- High Plains Bank - 0.23-3.82% APY
- Ivy Bank - 0.05-4.25% APY
- Jenius Bank - 4.05% APY
- LendingClub - 3.20-4.20% APY
- Live Oak Bank - 3.90% APY
- Marcus by Goldman Sachs - 3.65% APY
- MutualOne Bank - 4.07% APY
- My Banking Direct - 4.02% APY
- MySavingsDirect - 3.75% APY
- Neighbors Bank - 4.50% APY
- Newtek Bank - 4.35% APY
- Northeast Bank - 2.50-3.00% APY
- OMB Bank - 1.00% APY
- Openbank - 4.20% APY
- Peak Bank - 4.20% APY
- Pibank - 4.60% APY
- PNC - 3.53% APY
- Poppy Bank - 4.00% APY
- Popular Direct - 4.00% APY
- Presidential Bank - 3.50-4.00% APY
- Prime Alliance Bank - 3.90% APY
- Primis Bank - 3.85% APY
- Quontic Bank - 3.75% APY
- RBMAX - 3.90% APY
- Rising Bank - 3.95% APY
- Salem Five Direct - 3.71% APY
- Sallie Mae Bank - 3.90% APY
- Santander Bank - 0.01% APY
- SmartyPig - 3.90% APY
- SoFi Bank - 4.30% APY
- Synchrony Bank - 3.65% APY
- TAB Bank - 3.80% APY
- TD Bank - 0.05-2.75% APY
- The State Exchange Bank - 3.96% APY
- TIMBR - 4.40% APY
- UFB Direct - 3.51-3.71% APY
- Upgrade - 3.05% APY
- Valley Direct - 4.10% APY
- Varo Bank - 2.50-5.00% APY
- Vio Bank - 4.16% APY
- Wealthfront - 3.50-4.15% APY
- Wells Fargo - 0.05-0.05% APY
- Western Alliance Bank - 3.95% APY
- Zynlo Bank - 4.20% APY
| Feature | ROGER | Select a bank... |
|---|---|---|
| Product | ROGER Savings | N/A |
| APY | 3.87% (as of 11/21/2025) | 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 3.87% 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
CIBC Bank USA
Agility™ High-Interest Savings Account: 3.77% APY
Minimum Deposit: $1,000
Online Only
Openbank
High-Yield Savings Account: 4.20% APY
Minimum Deposit: $500
Online Only
Elevault
High Yield Savings Account: 4.08% APY
Minimum Deposit: $0
Online Only
Peak Bank
Envision High Yield Savings: 4.20% APY
Minimum Deposit: $100
Online Only
Bask Bank
Interest Savings Account: 3.90% APY
Minimum Deposit: $0
Online Only
My Banking Direct
High Yield Savings Account: 4.02% APY
Minimum Deposit: $500
Online Only
Quontic Bank
High Yield Savings: 3.75% APY
Minimum Deposit: $100
Online Only
Bread Savings
High-Yield Savings Account: 4.15% APY
Minimum Deposit: $100
Online Only
Western Alliance Bank
High-Yield Savings Premier: 3.95% APY
Minimum Deposit: $500
Online Only
LendingClub
LevelUp Savings: 4.20% APY
Minimum Deposit: $0
Online Only
EverBank
Performance Savings: 4.05% APY
Minimum Deposit: $0
Online Only
Poppy Bank
Poppy Personal Savings: 0.10% APY
Minimum Deposit: $1,000
Poppy Premier Online Savings: 4.00% APY
Minimum Deposit: $1,000
Online Only
Poppy Premier Personal Savings: 0.50% APY
Minimum Deposit: $1,000