TAB Bank: Savings Accounts, CDs & Rates

By Aviel Fahl

Updated: 8/20/2026

Mission: Banksparency aims to make TAB Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of TAB Bank

Our verdict

CD Analysis

TAB Bank offers CDs paying up to 4.20% APY on its 36 months term, with terms ranging from 12 months to 36 months.

Tracking 4 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 4.20% APY for a 36 months term and laddering across multiple maturities.

TAB Bank also offers TAB Save, a high-yield savings account paying 3.61% APY with no minimum deposit.

At 3.61% APY, TAB Bank pays 10x the national savings average of 0.38%.

Additional Accounts

Business Money Market, a business money market account at 3.25% APY.
Business Savings, a business savings account at 0.25% APY.

Ideal User Profile

Best for: simple saving without extra requirements and banking without needing a branch.

Important Considerations

Business Money Market is a business money market account. Available to business customers.

Business Savings is a business savings account. Available to business customers.

Key Differentiators

Stands out with top-rated iOS app (4.7), A+ BBB rating.

Savings Accounts Overview

TAB Save

Savings

3.61% APY

No Minimums Online Only

Rank #64 of 337 tracked.

Business Money Market

Savings

3.25% APY

Min: $25 Online Only

Rank #94 of 337 tracked.

Business Savings

Savings

0.25% APY

Min: $25 Online Only

Rank #215 of 337 tracked.

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationOgden, UT
AffiliationFull name: Transportation Alliance Bank, Inc.
Ratings & Trust
4.7iOS 4.3Android A+BBB Not BBB Accredited
Deposit InsuranceFDIC Insured(Cert: 34781)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

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FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Savings Accounts: In-Depth View

Savings Accounts Offered by TAB Bank

Feature	TAB Save	Business Savings
APY	3.61%Verified: 8/20/2026	0.25%Verified: 8/20/2026
APY Trend	N/A	N/A
Min. Deposit	$0	$25
Min. Balance	$0.01	$1
Monthly Fee	$0	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	No	No
Compounding	Daily	Monthly
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Next Steps	-	-

Interactive Tool

Calculate Savings for TAB Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,408.10(9.1%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$15,408.10

Effective APY

3.61%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

TAB Bank Savings Rates Over Time

Historical APY Insights

Last 12 Months

Metric	TAB Save	Business Money Market
Latest APY	3.61%	3.25%
Trend	Falling	Sideways
Slope (bps/mo)	-8.4	0.0
Rate Changes / Mo	0.17	0.00
Days Since Last Change	240	188
High (-12m)	4.15%	3.25%
Low (-12m)	3.61%	3.25%
Draw-down	-13.0%	0.0%
Volatility (CV)	0.044	0.000

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 362-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with TAB Bank

Feature	Current View TAB Bank	Empty Slot
Product		-
APY	3.61%Verified: 8/20/2026	-
APY Trend	N/A	-
Min. Deposit	$0	N/A
Monthly Fee	$0	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	No	-
Eligibility	United States	-
Compounding	Daily	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

4.20% Highest APY

Across 4 CD products with terms: 18 months, 36 months, 24 months, 12 months

CD Products Offered by TAB Bank

Feature	12-Month CD 12 months	18-Month CD 18 months	24-Month CD 24 months	36-Month CD 36 months
APY	4.05%Verified: 8/20/2026	4.10%Verified: 8/21/2026	4.15%Verified: 8/20/2026	4.20%Verified: 8/20/2026
Term	12 months	18 months	24 months	36 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000
Early Withdrawal	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes

TAB Bank CD Rates Over Time

Alternatives to TAB Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Lindell Bank & Trust Company

18-Month Special Variable Rate IRA: 4.18% APY

Minimum Deposit: $1,000

Variable Savings: 0.25% APY

Minimum Deposit: N/A

Christmas Club Savings: 0.25% APY

Minimum Deposit: N/A

Bank Michigan

Health Savings Account (HSA): 0.10% APY

Minimum Deposit: $50

Savings Account: 0.10% APY

Minimum Deposit: $10

Money Market Investments (MMI): 1.50% APY

Minimum Deposit: $2,500

Premier Money Market Investments (MMI): 3.75% APY

Minimum Deposit: $25,000

Business Money Market Investments (MMI): 2.00% APY

Minimum Deposit: $10,000

First County Bank

First Business Money Market: 0.03% APY

Minimum Deposit: $50

First Tiered Money Market: 0.03% APY

Minimum Deposit: $1

First Business Savings: 0.03% APY

Minimum Deposit: $50

First Savings: 0.03% APY

Minimum Deposit: $1

FirstPrize $avings: 0.03% APY

Minimum Deposit: $1

IRA Money Market: 0.03% APY

Minimum Deposit: N/A

FirstMaturedCD Savings: 4.00% APY

Minimum Deposit: $1

Elevault

High Yield Savings Account: 4.34% APY

Minimum Deposit: $0

Online Only

E*TRADE from Morgan Stanley

Premium Savings Account: 3.50% APY

Minimum Deposit: $0

Online Only

Security State Bank of Marine

Super Savers: 0.10% APY

Minimum Deposit: N/A

Piggy Bank Savers: 0.10% APY

Minimum Deposit: N/A

Money Market Platinum: 3.56% APY

Minimum Deposit: N/A

Money Market Savings: 0.15% APY

Minimum Deposit: N/A

Passbook Savings: 0.10% APY

Minimum Deposit: N/A

High Plains Bank

High Yield Savings Account: 3.82% APY

Minimum Deposit: $25

SoFi Bank

SoFi Savings: 3.80% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

Direct Deposit: Not required

Happen Bank

LevelUp Savings: 4.00% APY

Minimum Deposit: $0

Online Only

MutualOne Bank

Online Savings: 0.40% APY

Minimum Deposit: $5,000

Online Only

Mo Premium Savings: 3.82% APY

Minimum Deposit: $20,000

Varo Bank

High-Yield Savings Account: 3.75% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only

Direct Deposit: Not required

EverBank

Performance Savings: 3.90% APY

Minimum Deposit: $0

Online Only