Unconfirmed Assumes qualification, daily effective compounding and unchanged rates; before fees and taxes. Actual bank crediting can differ.
Promotions and qualifying rates
Limited-time offerUp to 5.00% APY · New-customer savings promotion · up to 6 months. Enroll before 2026-12-01; confirm the bank’s cutoff.
The advertised top rate requires $0. Promotion balance cap: $49,999.99. A limited-time promotional increase is available to new customers who open a new Axos ONE ® bundle, satisfy both requirements in either Option 1 or Option 2 during the applicable Qualification Period, and maintain an average daily balance of $249,999.99 or less in their Axos ONE ® Savings account.
The promotional boost can be earned during the first six (6) statement cycles, including the cycle in which the account is opened, and will be paid monthly as part of the monthly interest payment.
However, new accounts opened on or after the 25th of the month can earn the promotional boost starting in the following month, and therefore can earn a maximum of five (5) statement cycles.
For a statement cycle in which all promotional eligibility requirements are satisfied, qualifying Axos ONE ® Savings accounts receive a limited-time promotional increase of 0.79% APY above the boosted APY on the first $49,999.99 of the savings balance, resulting in a total promotional APY of 5.00% on that portion of the balance at the stated rates. The portion of the savings balance above $49,999.99 does not receive the promotional boost and continues to earn the otherwise applicable boosted rate for that portion, provided the monthly qualification requirements are satisfied.
The promotional boost is not available for a statement cycle in which the average daily balance in Axos ONE ® Savings is $250,000.00 or more.
Customers who currently hold or have previously held any account with Axos Bank or UFB Direct, including but not limited to deposit accounts, loans, and investments, are not eligible for this limited-time new-customer promotion.
Axos Bank reserves the right to limit each primary account holder to one (1) promotional APY offer per 12-month period.
To qualify for this limited-time new-customer promotion, the account must be opened from October 1, 2026 through December 1, 2026.
Rates can change. Confirm the current terms with the bank before opening an account. Last verified dates show when the approved rates were captured. Estimates require verification within the last 24 hours.
Unconfirmed: Eligibility, Maximum balance, Minimum opening balance, Nationwide, Other service fees. The bank information reviewed did not establish these terms.
Minimum opening deposit
Unconfirmed
Minimum balance to earn interest
$0
Eligibility
Axos ONE savings is paired with Axos ONE Checking. Higher APY requires qualifying monthly deposits and checking average-balance requirements; opening/applicant restrictions beyond the published qualification are Unconfirmed.
Key conditions
Meet both requirements in either option through the linked checking account to earn the monthly savings boost. The new-customer promotion has additional requirements.
Option 1: at least $1,500 in qualifying direct deposits each month and a checking average daily balance of at least $1,500.
Option 2: at least $5,000 in qualifying deposits each month and a checking average daily balance of at least $5,000.
The Savings account will earn a boosted rate of 4.21% APY on the first $249,999.99 and 3.50% APY on the portion of the balance above $249,999.99 for each qualifying statement cycle. Qualification Period Qualification begins on the first business day of the month and runs through the 25th of the month. If the 25th of the month is followed by a non-business day, the average daily balance will be calculated including the following non-business day(s). Any qualifying deposits or qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period. Qualification for new accounts will begin on the day the account is opened. New accounts opened on or after the 25th of the month can earn the boosted APY starting in the following month. Qualifying Direct Deposits and Qualifying Deposits A direct deposit is an electronic ACH deposit of your paycheck or government benefits, such as Social Security, Disability, etc. International paychecks, international government benefits, other deposits (i.e., real time payments, online banking transfers, ATM and mobile check deposits, etc.), or person-to-person payments are not considered a direct deposit. Qualifying deposits only include deposits from the following eligible sources: ACH transfers from external accounts, inbound wire transfers from external accounts, mobile check deposits, real time payments. Qualifying deposits do not include: transfers internal to the bank (i.e., transfers between an account holder's Checking and/or Savings account), interest payments, promotional bonuses, credits, reversals, and refunds, ATM deposits. Account-Status Requirements Both accounts must be open and active on the 25th of the month and on the date interest is paid to receive the applicable boosted APY on each account for that statement cycle. If either account closes during the Qualification Period, neither account can earn its applicable boosted APY, and the Savings account is ineligible for the promotional boost for the corresponding statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.
Axos ONE has qualification rules, a temporary new-customer offer and separate savings balance bands. It is not another name for Summit Savings. Compare the ongoing rate after the introductory period and the required checking activity. Extra yield is most useful when the qualifying relationship already fits your banking habits.
By High Yield
Published
Evaluate the whole checking-and-savings bundle
Axos ONE has qualification rules, a temporary new-customer offer and separate savings balance bands. It is not another name for Summit Savings. Compare the ongoing rate after the introductory period and the required checking activity. Extra yield is most useful when the qualifying relationship already fits your banking habits.
Baseline assessment and current terms
Evaluate this account at the balance you intend to keep and the withdrawal frequency you need. The current rates-and-terms reference distinguishes checked information from unresolved conditions. A larger advertised APY is not sufficient if qualification, fees or access make the account a poor fit.
This source-based baseline has not included a hands-on account test or established a representative customer-service rating. Publication of the review does not approve missing financial data. Rates are variable; follow the dated reference and official disclosures before opening.
Recorded rates describe what our sources showed, rather than a prediction. Reviewed reader experiences will be added when supported public evidence is available.
Observed rates
Last 90 days · Aug 16, 2026–Nov 14, 2026 · at $10,000.
No usable checked rate history at this balance in the last 90 days.
These are historical observations. The current review status, official sources and latest terms appear in the account reference. Promotions and qualifying APYs are excluded from this ongoing-rate history.
Axos Bank is the legal institution behind this account (FDIC certificate 35546). Different brands or branches at the same institution do not create separate insurance limits. Coverage depends on ownership category and the insurer’s rules.
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