MutualOne Bank: Mo Premium Savings Review

Rates, fees and account terms

Highest available APY, including promotions: 3.82% Balance outside terms

One-year gross estimate: — .

Estimate assumptions

No estimate: your balance is outside the account's opening or earning limits. Assumes qualification, daily effective compounding and unchanged rates; before fees and taxes. Actual bank crediting can differ.

Promotions and qualifying rates

No current checked promotion or additional rate qualification appears in this account record. Confirm available offers and all requirements directly with the bank.

Key conditions and complete account terms

Rates can change. Confirm the current terms with the bank before opening an account. The rates above are available for comparison only when marked checked.

Unconfirmed: Eligibility, Maximum balance, Nationwide, Offers, Other service fees, Tiers. The bank information reviewed did not establish these terms.

Minimum opening deposit

$20,000.00

Minimum balance to earn interest

$20,000.00

Eligibility

Online personal accounts are offered to residents of the continental United States under the official account FAQ. Mo Premium Savings requires qualifying new money; confirm all age, identity and ownership requirements. Other unestablished opening restrictions: Unconfirmed.

Key conditions

Mo Premium Savings: 3.82% APY (3.75% interest rate) at $20,000 or more, effective October 1, 2026. $20,000 in new money to open. Lower-balance APY and complete fee schedule are Unconfirmed. Interest compounded/paid monthly; statement-only account.

Standard rate tiers

Complete tier structure: Unconfirmed.

Balance-specific APY tiers: Unconfirmed. Verified advertised APY: 3.82%; qualification and balance limits below apply.

Fees and waivers

Monthly maintenance: $0.00 (monthly).

Bank disclosures

Official account page ↗ · Additional bank disclosure 1 ↗ · Additional bank disclosure 2 ↗ · Additional bank disclosure 3 ↗

Rates and terms checked October 26, 2026.

Our review

Our account review is coming soon.

You can explore the account’s rates and complete terms in the account reference while we prepare our editorial review.

Account behavior report

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 · Jul 28, 2026–Oct 26, 2026 · at $10,000.00.

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.

Reader experiences

Reviewed reader experiences are not available here yet. You can share your own experience in the community; inclusion in an account report requires separate editorial review.