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APY Interest Calculator

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How fast will your interest add up?

Bank of Internet USA’s competitive interest rates can make a positive impact on your bottom line. Just enter a few simple pieces of information in our Interest Calculator to see your earned interest and ending balance.




Term APY* Rate
60 month 1.35% 1.34%
Rewards Checking 1.25% 1.24%
High Interest Checking 0.71% 0.71%
High Yield Savings 0.61% 0.61%
Money Market Savings 0.75% 0.75%
3 month 0.15% 0.15%
6 month 0.25% 0.25%
12 month 0.55% 0.55%
24 month 0.70% 0.70%
36 month 0.90% 0.90%
48 month 1.05% 1.04%
Open an Account
Initial Deposit:
The starting balance for your deposit.
Interest Rate:
The published interest rate for the product you are interested in (enter the actual interest rate, not the APY).
Select daily. All of our products calculate interest daily.
Ending Balance:
The calculator will calculate the ending balance, including interest earned, once you have entered the Initial Deposit, Interest Rate and selected Compounded Daily.
Annual Percentage Yield (APY):
The calculator will calculate the APY which is the actual interest earned per year.

Customer Reviews

  • Evan and Ethan assisted us with our loan from Bank of Internet. They were professional, patient, efficient and always ready... Yelp, Jan R., Temecula, CA
  • I spoke to Edgar on 6/5/14; he was friendly, efficient, knowledgeable, and had a kind tone. Kudos to him for his excellent customer service. Patience, BofI USA, Tampa, FL
  • I received wonderful service from Robert in the Call Center. He was able to follow my problem and give me an answer. He was exceptional. Stuart, BofI USA, Seattle, WA
  • Somebody from BofI called, based on my YELP review. They are refunding our second appraisal fees. I toned down my previous review... Yelp, Rachel K., Trabuco Canyon, CA
  • Talk about quick! I initiated a purchase through Costco and Bank of Internet contacted me first. They offered me a great rate (4.5%)... Yelp, Fera Z., San Diego, CA
  • I have been banking with BofI since 2006. Been a great experience! Definitely on my short list if I need to have another bank account. Darren, BofI USA, Livingston, TX
  • Found this bank through Costco and I'm glad I did. I was suspicious of an internet bank at first but since costco recommended... Yelp, Fili F., Los Angeles, CA
  • Can't say enough about Alexis Shafer and Ethan Landau. They were terrific. Knowledgable and very professional. They were very... Zillow, k wahl, Saint Charles, IL
  • I would DEFINITELY and happily recommend BOI to anyone looking to finance or refinance their home! We had a great experience from start... Zillow, jmhoferanderson, Larimore, ND
  • Evan Lutz and Ethan Landau were amazing agents! They were responsive, helpful, and kept me on target in getting us the loan we... Zillow, lori886, Ann Arbor, MI
  • I highly recommend Bank of Internet USA for a home mortgage. I was a first time homebuyer and new to the mortgage application... Zillow, user8185746, Gold Canyon, AZ
  • We had a very positive experience with Bank of Internet and the personnel we dealt with Whitney Turnbull and Ethan Landau. We chose BofI... Zillow, rmort, Dexter, MI
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Bank products and services are offered by BofI Federal Bank. All deposit accounts through BofI Federal Bank brands are FDIC insured through BofI Federal Bank. All deposit accounts of the same ownership and / or vesting held at BofI Federal Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through BofI Federal Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and / or vesting at BofI Federal Bank. For more information click here.