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

We earn a commission if you open an account through some links on this page.

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

Deposit Insurance: FDIC Cert # 4084

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

Feature	ROGER 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 Only	Yes
Bundled Account	Yes
Direct Deposit Required	No
Compound Frequency	Monthly
Maintenance Fee	$0
Eligibility	United States
Note	The 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.

Savings Product:

ROGER Savings (APY: 4.12%)

Initial Deposit:

Recurring Deposit Amount:

Deposit Frequency:

Duration:

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

Metric	ROGER Savings
Latest APY	4.12 %
Trend	Falling
Slope (bps/mo)	-18.3
Rate Changes / Mo	0.39
Days Since Last Change	46
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

Affirm - 3.85% APY
All America Bank - 1.50-3.25% APY
Ally Bank - 3.50% APY
Amalgamated Bank - 2.25% APY
American Express - 3.50% APY
Ameriprise Bank - 3.15-3.15% APY
Axos Bank - 4.46% APY
Bank5 Connect - 4.05% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 4.20% APY
Betterment - 4.00% APY
BMO Alto - 3.50% APY
Bread Savings - 4.25% APY
BrioDirect - 4.30% APY
Capital One - 3.50% APY
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
Elevault - 4.60% APY
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

Feature	ROGER	Select a bank...
Product	ROGER Savings	N/A
APY	4.12% (as of 8/15/2025)	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 4.12% 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