Smart Start High Yield Savings
Today’s savings, tomorrow’s possibilities
Building a brighter financial future, one deposit at a time.
Whether you’re saving for life’s unexpected moments or working toward a personal goal, every little bit you set aside brings you closer to where you want to be.
Earn 4.00% APY*
Enjoy a high yield your first $2,000, giving your savings real momentum from day one.
No fees
No minimum deposit
No minimum balance
No monthly fees.
Flexible access
Access your savings whenever you need them, with no withdrawal penalties.
Build-in safety net
Link Smart Start to another First U.S. account for overdraft protection.
How much can you earn?
|
Balance |
APY* |
Rate |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|---|
|
*APY = Annual Percentage Yield. Rate = Dividend Rate |
||||
|
Balance $0-$2,000 |
APY* 4.00% |
Rate 3.928% |
Minimum Balance to Open $0 |
Minimum Balance to Earn Dividends $0 |
|
Balance $2,000.01-$5,000 |
APY* 1.50% |
Rate 1.490% |
Minimum Balance to Open $0 |
Minimum Balance to Earn Dividends $2,000 |
|
Balance $5,000.01-$10,000 |
APY* 0.25% |
Rate 0.250% |
Minimum Balance to Open $0 |
Minimum Balance to Earn Dividends $5,000 |
|
Balance $10,000.01-$50,000 |
APY* 0.08% |
Rate 0.080% |
Minimum Balance to Open $0 |
Minimum Balance to Earn Dividends $10,000 |