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Start saving with a purpose

Benefits Include:

  • Competitive Rates: Earn interest on your money while it is still highly liquid.

  • Flexibility: Deposit and withdraw money at any time just like a checking or savings account.

  • Tiered Rates: The more you put into the account, the higher APY1 you can earn.

  • Security: Your money is FDIC insured up to the maximum allowed by the law2.


Amount3 APY1 Interest Rate
$0–$24,999.99 1.00% 1.00%
$25,000–$49,999.99 1.41% 1.40%
$50,000–$99,999.99 2.12% 2.10%
$100,000+ 2.27% 2.25%


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APY means Annual Percentage Yield Rates effective as of 02/09/2024. This is a variable rate account. The rates may change after the account is opened. Fees may reduce earnings. Advertised rate and APY are offered at the bank’s discretion and may change daily.

The Federal Deposit Insurance Corporation (FDIC) grants deposit insurance of $250,000 per account title. You may also qualify for more than $250,000 in FDIC coverage at Amalgamated Bank if you have single accounts, joint accounts, Individual Retirement Accounts and trust accounts.

There is a maximum account opening funding capability of $100,000 if opened online, if opened in branch there are no deposit funding restrictions. Additional deposit may be made by visiting an Amalgamated Bank branch or by making an Electronic Funds Transfer (“EFT”). An EFT includes, ACH, Wire, External Transfers, and Internal Transfers.

All accounts subject to Bank’s Account Opening Disclosures.