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 |