Uses ongoing rates and assumes deposit qualifications are met. Promotional balance limits are respected. 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.
Unconfirmed: Conditions. The bank information reviewed did not establish these terms.
Minimum opening deposit
$500
Minimum balance to earn interest
$1
Eligibility
to open and a $1 balance minimum to earn interest. You can link your Online Savings Account to your external account at account opening. What do I need to open an account? You will be asked for your U.S. Social Security number and a valid form of identification including: Driver's license, State ID, Military ID or Passport. Available across the 50 states and DC, subject to these conditions.
SFGI Direct lists no monthly service charge and a $1 minimum balance to earn interest. Funding and access center on transfers to another bank. Check the opening deposit and transfer rules separately, especially initial availability. This may suit money held for occasional use more than cash needed immediately for routine payments.
By High Yield
Published
A modest earning floor
SFGI Direct lists no monthly service charge and a $1 minimum balance to earn interest. Funding and access center on transfers to another bank. Check the opening deposit and transfer rules separately, especially initial availability. This may suit money held for occasional use more than cash needed immediately for routine payments.
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.
Checked historical snapshots
17
First and last observations in this sample
Oct. 25, 2026, 9:02 am EDT–Nov. 13, 2026, 7:00 pm EST
Observed ongoing APY range at this balance
4.05%–4.05%
Supported increases / decreases
0 / 0
How to read this history
Changes count only between adjacent checked observations no more than 24 hours apart with comparable terms. Gaps, corrections and changed requirements interrupt comparisons. A zero count does not mean the rate stayed unchanged. The range describes recorded snapshots, whose terms may differ.
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.
Burke & Herbert Bank & Trust Company is the legal institution behind this account (FDIC certificate 11578). 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
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