Highest available APY, including promotions:Current APY unavailable
Pending
One-year gross estimate: —
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Estimate assumptions
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. Last verified dates show when the approved rates were captured. Estimates require verification within the last 24 hours.
Current account terms are unavailable. Consult the bank before opening an account.
SmartyPig provides savings goals and scheduled deposits under Sallie Mae Bank. Its rate depends on aggregate balances across goals and the primary account, using its own schedule. Goals do not create separately insured banks. Compare the organizational benefit, current yield and external-transfer arrangements with the ordinary savings product.
SmartyPig provides savings goals and scheduled deposits under Sallie Mae Bank. Its rate depends on aggregate balances across goals and the primary account, using its own schedule. Goals do not create separately insured banks. Compare the organizational benefit, current yield and external-transfer arrangements with the ordinary savings product.
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 4, 2026–Nov 2, 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.
Sallie Mae Bank is the legal institution behind this account (FDIC certificate 58177). Different brands or branches at the same institution do not create separate insurance limits. Coverage depends on ownership category and the insurer’s rules.
High Yield
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