Unconfirmed Assumes qualification, daily effective compounding and unchanged rates; before fees and taxes. Actual bank crediting can differ.
Promotions and qualifying rates
3.75% qualified ongoing APY: Maintain an open Presidential Advantage Checking account; otherwise the standard APY is 3.25%. Without deposit qualification: —.
Key conditions and complete account terms
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 earning balance, Monthly maintenance fee, Nationwide, Other service fees. The bank information reviewed did not establish these terms.
Minimum opening deposit
$5,000
Minimum balance to earn interest
Unconfirmed
Eligibility
Online applicants must be U.S. citizens with a U.S. address, including a military address, and an SSN. Non-U.S. citizens may qualify through in-person opening or identification by a bank employee. Advantage Savings is for personal accounts, not businesses. Other unestablished opening restrictions: Unconfirmed.
Key conditions
Earn 3.75% APY* on Daily Balances when you Maintain an Advantage Checking Account. Earn 3.25% APY* without an Advantage Checking Account. Minimum to Open $5,000.00 (Personal Accounts Only - Not Available for Businesses) Rate Information This account is an interest-bearing account. The interest rates and annual percentage yields are included in the Rate Schedule . The interest rate/tier and annual percentage yield may change daily. The interest rate and annual percentage yield depend upon whether you also have an Advantage Checking account. To qualify for a higher rate, you must have an open Advantage Checking account. Interest begins to accrue on the first business day of your deposit. Interest is compounded and credited monthly on the last business day of the month. Balance Information We use the daily balance method to calculate interest on the account. This method applies a daily periodic rate to the principal in the account each day. Account Fees Related account fees are found in the Schedule of Fees . Fees may reduce earnings. Current named rate schedule effective September 3, 2026 confirms the standard 3.25% and checking-linked 3.75% APYs; these are relationship rates rather than balance tiers. The fee schedule excludes Advantage Savings from its general savings low-balance monthly charge; an explicit account maintenance amount remains Unconfirmed.
Standard rate tiers
Rate applies to entire balance
From $0: 3.25% APY
Fees and waivers
Check the bank’s complete fee schedule; an absent fee entry does not establish that every service is free.
Presidential Advantage Savings offers a higher rate with Advantage Checking and a lower rate without it, alongside a $5,000 opening deposit. Evaluate both accounts’ conditions together. An existing suitable checking relationship can make the higher yield more useful; opening a companion account solely for interest adds another set of requirements to manage.
By High Yield
Published
The checking relationship changes the rate
Presidential Advantage Savings offers a higher rate with Advantage Checking and a lower rate without it, alongside a $5,000 opening deposit. Evaluate both accounts’ conditions together. An existing suitable checking relationship can make the higher yield more useful; opening a companion account solely for interest adds another set of requirements to manage.
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.
Presidential Bank, FSB is the legal institution behind this account (FDIC certificate 32363). Different brands or branches at the same institution do not create separate insurance limits. Coverage depends on ownership category and the insurer’s rules.
No other active accounts at this institution are currently listed in our curated catalog. This is not a complete inventory of its brands.
High Yield
Comments
View full discussion →