Banking interest rates
Which account is earning your interest?
Personal banking rates
When we say we have your best financial interest in mind, we mean it. Visit here any time to see what you could be earning.
Savings
Annual Percentage Yields (APYs) are accurate as of 12/20/2024.
EverBank Performance℠ Savings
| Balances | APYx |
|---|---|
| All Balances | 4.40% |
The APY displayed is for new accounts only and may not be applicable for existing accounts.
EverBank Performance℠ Money Market
| Balances | APYx |
|---|---|
| $100,000 and up | 4.00% |
| $50,000 to $99,999.99 | 4.00% |
| $25,000 to $49,999.99 | 4.00% |
| $10,000 to $24,999.99 | 4.00% |
| $0 to $9,999.99 | 1.00% |
CDs
Annual Percentage Yields (APYs) are accurate as of 12/20/2024.
EverBank Performance℠ CDs
| Term | APYx |
|---|---|
| 3 month | 3.95% |
| 6 month | 4.00% |
| 9 month | 4.00% |
| 1 year | 4.00% |
| 1.5 year | 3.70% |
| 2 year | 3.90% |
| 2.5 year | 3.50% |
| 3 year | 3.50% |
| 4 year | 3.50% |
| 5 year | 3.50% |
CDARS® CDs
| Term | Funding Limit* | APYx |
|---|---|---|
| 3 month | $12M | 3.40% |
| 6 month | $12M | 3.43% |
| 1 year | $12M | 3.37% |
| 2 year | $1M | 3.16% |
| 3 year | $0.5M | 3.22% |
*Funding limits above are per depositor, per term, per week, with an overall CDARS CD funding limit of $50M.x
3.5-Year Bump Rate CD
| Term | APYx |
|---|---|
| 3.5 year | 3.50% |
Call before 4 p.m. (ET) for same day rate bump.
Checking
Annual Percentage Yields (APYs) are accurate as of 12/20/2024.
EverBank Performance℠ Checking
| Balances | APYx |
|---|---|
| $100,000 and up | 0.25% |
| $50,000 to $99,999.99 | 0.25% |
| $25,000 to $49,999.99 | 0.25% |
| $10,000 to $24,999.99 | 0.25% |
| $0 to $9,999.99 | 0.25% |
Business banking rates
Take advantage of competitive rates with yields that can help you earn more and grow your savings.
Checking
Annual Percentage Yields (APYs) are accurate as of 12/20/2024.
Small Business Checking
| Balances | APYx |
|---|---|
| $100,000 and up | 0.50% |
| $50,000 to $99,999.99 | 0.50% |
| $25,000 to $49,999.99 | 0.50% |
| $10,000 to $24,999.99 | 0.50% |
| $0 to $9,999.99 | 0.50% |
Non-Profit Checking
| Balances | APYx |
|---|---|
| $100,000 and up | 1.80% |
| $50,000 - $99,999.99 | 1.80% |
| $25,000 - $49,999.99 | 1.25% |
| $10,000 - $24,999.99 | 1.25% |
| $0 - $9,999.99 | 1.25% |
Business Interest Checking
| Balances | APYx |
|---|---|
| $1,000,000 and up | 0.55% |
| $500,000 - $999,999.99 | 0.55% |
| $250,000 - $499,999.99 | 0.55% |
| $100,000 - $249,999.99 | 0.55% |
| $50,000 - $99,999.99 | 0.55% |
| $25,000 - $49,999.99 | 0.55% |
| $10,000 - $24,999.99 | 0.55% |
| $0 - $9,999.99 | 0.55% |
Money market
Annual Percentage Yields (APYs) are accurate as of 12/20/2024.
Business Money Market
| Balances | APYx |
|---|---|
| $3,000,000 and up | 2.25% |
| $1,000,000 - $2,999,999.9 | 2.25% |
| $500,000 - $999,999.99 | 1.85% |
| $250,000 - $499,999.99 | 1.85% |
| $100,000 - $249,999.99 | 1.85% |
| $50,000 - $99,999.99 | 1.35% |
| $25,000 - $49,999.99 | 1.35% |
| $10,000 - $24,999.99 | 1.35% |
| $0 - $9,999.99 | 1.35% |
CDs
Annual Percentage Yields (APYs) are accurate as of 12/20/2024.
Business CDs
| Term | APYx |
|---|---|
| 3 month | 2.45% |
| 6 month | 4.00% |
| 9 month | 2.65% |
| 1 year | 3.90% |
| 1.5 year | 2.10% |
| 2 year | 2.20% |
| 2.5 year | 2.30% |
| 3 year | 2.40% |
| 4 year | 2.50% |
| 5 year | 2.50% |
Business CDARS® CDs
| Term | Funding Limit* | APYx |
|---|---|---|
| 3 month | $12M | 2.20% |
| 6 month | $12M | 3.75% |
| 1 year | $12M | 3.66% |
| 2 year | $1M | 1.95% |
| 3 year | $0.5M | 2.15% |
*Funding limits above are per depositor, per term, per week, with an overall CDARS CD funding limit of $50M.x
Currency account rates
With many of our WorldCurrency® accounts, you get the opportunity to earn interest in your chosen currency or CD basket. These products are available to personal or business banking clients.
Cash Management Account
Annual Percentage Yields (APYs) are accurate as of 12/20/2024.
EverBank Performance℠ Cash Management Account
| Balances | APYx |
|---|---|
| $100,000 and up | 0.25% |
| $50,000 to $99,999.99 | 0.25% |
| $25,000 to $49,999.99 | 0.25% |
| $10,000 to $24,999.99 | 0.25% |
| $0 to $9,999.99 | 0.25% |
WorldCurrency Access® Deposit Accounts
Annual Percentage Yields (APYs) on our WorldCurrency Access Deposit Accounts are variable. All APYs and Monthly Maintenance Fees are accurate as of 12/13/2024.x
Australian dollar
| Balances | APY |
|---|---|
| Balance Up To: 14,300 | 0.00% |
| Balance Up To: 35,700 | 0.00% |
| Balance Up To: 71,400 | 0.00% |
| Balance Up To: 142,800 | 0.00% |
| Balance Over: 142,800 | 0.00% |
Brazilian realx
| Balances | APY |
|---|---|
| Balance Up To: 40,500 | 0.00% |
| Balance Up To: 101,200 | 0.00% |
| Balance Up To: 202,500 | 0.00% |
| Balance Up To: 405,000 | 0.00% |
| Balance Over: 405,000 | 0.00% |
British pound
| Balances | APY |
|---|---|
| Balance Up To: 6,800 | 0.00% |
| Balance Up To: 17,100 | 0.00% |
| Balance Up To: 34,200 | 0.00% |
| Balance Up To: 68,400 | 0.00% |
| Balance Over: 68,400 | 0.00% |
Canadian dollar
| Balances | APY |
|---|---|
| Balance Up To: 14,000 | 0.00% |
| Balance Up To: 35,000 | 0.00% |
| Balance Up To: 70,000 | 0.00% |
| Balance Up To: 140,000 | 0.00% |
| Balance Over: 140,000 | 0.00% |
Chinese yuan
| Balances | APY |
|---|---|
| Balance Up To: 65,600 | 0.00% |
| Balance Up To: 164,000 | 0.00% |
| Balance Up To: 328,000 | 0.00% |
| Balance Up To: 656,000 | 0.00% |
| Balance Up To: 656,000 | 0.00% |
Czech koruna
| Balances | APY |
|---|---|
| Balance Up To: 248,000 | 0.00% |
| Balance Up To: 620,000 | 0.00% |
| Balance Up To: 1,240,000 | 0.00% |
| Balance Up To: 2,480,000 | 0.00% |
| Balance Over: 2,480,000 | 0.00% |
Danish krone
| Balances | APY |
|---|---|
| Balance Up To: 68,400 | 0.00% |
| Balance Up To: 171,000 | 0.00% |
| Balance Up To: 342,000 | 0.00% |
| Balance Up To: 684,000 | 0.00% |
| Balance Over: 684,000 | 0.00% |
Euro
| Balances | APY |
|---|---|
| Balance Up To: 9,200 | 0.00% |
| Balance Up To: 23,100 | 0.00% |
| Balance Up To: 46,300 | 0.00% |
| Balance Up To: 92,500 | 0.00% |
| Balance Over: 92,500 | 0.00% |
Hong Kong dollar
| Balances | APY |
|---|---|
| Balance Up To: 77,500 | 0.00% |
| Balance Up To: 193,000 | 0.00% |
| Balance Up To: 387,000 | 0.00% |
| Balance Up To: 581,000 | 0.00% |
| Balance Over: 581,000 | 0.00% |
Hungarian forint
| Balances | APY |
|---|---|
| Balance Up To: 2,500,000 | 0.00% |
| Balance Up To: 6,500,000 | 0.00% |
| Balance Up To: 14,000,000 | 0.00% |
| Balance Up To: 26,000,000 | 0.00% |
| Balance Over: 26,000,000 | 0.00% |
Indian rupeex
| Balances | APY |
|---|---|
| Balance Up To: 669,500 | 0.00% |
| Balance Up To: 1,673,700 | 0.00% |
| Balance Up To: 3,347,500 | 0.00% |
| Balance Up To: 6,695,000 | 0.00% |
| Balance Over: 6,695,000 | 0.00% |
Japanese yen
| Balances | APY |
|---|---|
| Balance Up To: 1,176,000 | 0.00% |
| Balance Up To: 2,940,000 | 0.00% |
| Balance Up To: 5,850,000 | 0.00% |
| Balance Up To: 11,760,000 | 0.00% |
| Balance Over: 11,760,000 | 0.00% |
*This account accrues a 0.25% monthly maintenance fee (3% annually).x
Mexican peso
| Balances | APY |
|---|---|
| Balance Up To: 177,100 | 0.00% |
| Balance Up To: 442,700 | 0.00% |
| Balance Up To: 885,500 | 0.00% |
| Balance Up To: 1,771,000 | 0.00% |
| Balance Over: 1,771,000 | 0.00% |
New Zealand dollar
| Balances | APY |
|---|---|
| Balance Up To: 15,100 | 0.00% |
| Balance Up To: 37,800 | 0.00% |
| Balance Up To: 78,700 | 0.00% |
| Balance Up To: 151,500 | 0.00% |
| Balance Over: 151,500 | 0.00% |
Norwegian krone
| Balances | APY |
|---|---|
| Balance Up To: 89,000 | 0.00% |
| Balance Up To: 222,500 | 0.00% |
| Balance Up To: 445,000 | 0.00% |
| Balance Up To: 850,000 | 0.00% |
| Balance Over: 850,000 | 0.00% |
Polish zloty
| Balances | APY |
|---|---|
| Balance Up to: 39,800 | 0.00% |
| Balance Up To: 99,500 | 0.00% |
| Balance Up To: 199,000 | 0.00% |
| Balance Up To: 398,000 | 0.00% |
| Balance Over: 398,000 | 0.00% |
Singapore dollar
| Balances | APY |
|---|---|
| Balance Up To: 14,300 | 0.00% |
| Balance Up To: 35,700 | 0.00% |
| Balance Up To: 71,500 | 0.00% |
| Balance Up To: 143,000 | 0.00% |
| Balance Over: 143,000 | 0.00% |
South African rand
| Balances | APY |
|---|---|
| Balance Up To: 160,300 | 0.00% |
| Balance Up To: 400,700 | 0.00% |
| Balance Up To: 801,500 | 0.00% |
| Balance Up To: 1,603,000 | 0.00% |
| Balance Over: 1,603,000 | 0.00% |
Swedish krona
| Balances | APY |
|---|---|
| Balance Up To: 85,000 | 0.00% |
| Balance Up To: 213,200 | 0.00% |
| Balance Up To: 426,000 | 0.00% |
| Balance Up To: 850,700 | 0.00% |
| Balance Over: 850,700 | 0.00% |
Swiss franc
| Balances | APY |
|---|---|
| Balance Up To: 9,900 | 0.00% |
| Balance Up To: 24,700 | 0.00% |
| Balance Up To: 49,500 | 0.00% |
| Balance Up To: 99,000 | 0.00% |
| Balance Over: 99,000 | 0.00% |
U.S. dollar
| Balances | APY |
|---|---|
| Balance Up To: 9,999.99 | 0.40% |
| Balance Up To: 24,999.99 | 0.40% |
| Balance Up To: 49,999.99 | 0.40% |
| Balance Up To: 99,999.99 | 0.40% |
| Balance Over: 100,000.00 | 0.40% |
WorldCurrency® CDs
Annual Percentage Yields (APYs) on our WorldCurrency CDs are fixed. All APYs are accurate as of 12/13/2024.x
Australian dollar
| TERM | APY |
|---|---|
| 3 month | 2.02% |
Brazilian realx
| TERM | APY |
|---|---|
| 3 month | 7.19% |
British pound
| TERM | APY |
|---|---|
| 3 month | 2.52% |
Canadian dollar
| TERM | APY |
|---|---|
| 3 month | 1.00% |
Chinese yuan
| Balances | APY |
|---|---|
| 3 month | 0.00% |
Czech koruna
| Balances | APY |
|---|---|
| 3 month | 1.51% |
Danish krone
| TERM | APY |
|---|---|
| 3 month | 0.50% |
Euro
| TERM | APY |
|---|---|
| 3 month | 0.75% |
Hong Kong dollar
| TERM | APY |
|---|---|
| 3 month | 1.76% |
Hungarian forint
| TERM | APY |
|---|---|
| 3 month | 4.06% |
Indian rupeex
| TERM | APY |
|---|---|
| 3 month | 4.06% |
Mexican peso
| TERM | APY |
|---|---|
| 3 month | 8.51% |
New Zealand dollar
| TERM | APY |
|---|---|
| 3 month | 2.27% |
Norwegian krone
| TERM | APY |
|---|---|
| 3 month | 2.02% |
Polish zloty
| TERM | APY |
|---|---|
| 3 month | 3.29% |
Singapore dollar
| TERM | APY |
|---|---|
| 3 month | 0.00% |
South African rand
| TERM | APY |
|---|---|
| 3 month | 5.88% |
Swedish krona
| TERM | APY |
|---|---|
| 3 month | 0.50% |
Swiss franc
| TERM | APY |
|---|---|
| 3 month | 0.00% |
WorldCurrency® CD Baskets
Annual Percentage Yields (APYs) on our WorldCurrency CD Baskets are fixed. All APYs are accurate as of 12/13/2024.x
Balanced Debt®x
| TERM | APY |
|---|---|
| 3 month | 2.02% |
Australian dollar (20%), Brazilian real (20%), Norwegian krone (20%), Singapore dollar (20%), Swiss franc (20%)
Commodity
| TERM | APY |
|---|---|
| 3 month | 2.78% |
Australian dollar (25%), Canadian dollar (25%), New Zealand dollar (25%), South African rand (25%)
Euro Trax®
| TERM | APY |
|---|---|
| 3 month | 0.75% |
Euro (40%), Norwegian krone (20%), Swedish krona (20%), Swiss franc (20%)
Global High Yieldx
| TERM | APY |
|---|---|
| 3 month | 6.40% |
Brazilian real (25%), Indian rupee (25%), Mexican peso (25%), South African rand (25%)
Global Power Shift ®x
| TERM | APY |
|---|---|
| 3 month | 3.03% |
Australian dollar (25%), Brazilian real (25%), Canadian dollar (25%), Norwegian krone (25%)
New World Energy℠
| TERM | APY |
|---|---|
| 3 month | 1.51% |
Australian dollar (33.3%), Canadian dollar (33.3%), Norwegian krone (33.3%)
Pan-Asian℠
| TERM | APY |
|---|---|
| 3 month | 1.00% |
Australian dollar (40%), Hong Kong dollar (20%), Japanese yen (20%), Singapore dollar (20%)
Prudent Central Bank
| TERM | APY |
|---|---|
| 3 month | 1.76% |
Australian dollar (25%), British pound (25%), Euro (25%), New Zealand dollar (25%)
Ultra Resource®
| TERM | APY |
|---|---|
| 3 month | 1.51% |
Australian dollar (16.7%), Canadian dollar (16.7%), Hong Kong dollar (16.7%), New Zealand dollar (16.7%), Norwegian krone (16.7%), Singapore dollar (16.7%)
Viking®
| TERM | APY |
|---|---|
| 3 month | 1.00% |
Danish krone (30%), Norwegian krone (40%), Swedish krona (30%)
Legacy accounts rates
Rates shown apply to existing Yield Pledge accounts only. New Yield Pledge accounts are no longer available to open. Annual Percentage Yields (APYs) are accurate as of 12/20/2024.
Yield Pledge® Online Savings
5.15%
1-year intro APYFirst-year APY reflects a 1-year introductory rate available to first-time online savings clients on balances up to $250K. Ongoing APYs otherwise apply.x
| Balances | ONGOING APYUnless eligible for the 1-year intro APY, the account will earn the ongoing APY, which is also backed by our Yield Pledge promise.x |
|---|---|
| All Balances | 4.00% |
Yield Pledge® Money Market
4.30%
1-year intro APYFirst-year APY reflects a 1-year introductory rate available to first-time money market clients on balances up to $250K. Ongoing APYs otherwise apply.x
| Balances | ONGOING APYUnless eligible for the 1-year intro APY, the account will earn the ongoing APY, which is also backed by our Yield Pledge promise.x |
|---|---|
| $100,000 and up | 3.70% |
| $50,000 to $99,999.99 | 3.70% |
| $25,000 to $49,999.99 | 3.45% |
| $10,000 to $24,999.99 | 3.45% |
| $0 to $9,999.99 | 3.45% |
Yield Pledge® Checking
| Balances | APYx |
|---|---|
| $100,000 and up | 0.25% |
| $50,000 to $99,999.99 | 0.25% |
| $25,000 to $49,999.99 | 0.25% |
| $10,000 to $24,999.99 | 0.25% |
| $0 to $9,999.99 | 0.25% |
Yield Pledge® CDs
| TERM | APYx |
|---|---|
| 3 month | 4.55% |
| 6 month | 4.40% |
| 9 month | 4.33% |
| 1 year | 4.25% |
| 1.5 year | 4.03% |
| 2 year | 3.80% |
| 2.5 year | 3.85% |
| 3 year | 3.80% |
| 4 year | 3.55% |
| 5 year | 3.55% |
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