Savings Accounts

Smart Savings

Great Savings Rates, No Monthly Fees

Earn 1.30% APY1,2,3 while enjoying a variety of free perks. A Bank of Internet USA Smart Savings Account allows you to grow your savings quickly with interest compounded daily.

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IRA/Roth

Save for the Short Term, Plan for the Long Term

Bank of Internet USA offers a variety of low-risk retirement savings and investment options that provide consistent returns. We invite you to explore our traditional IRA and Roth IRA options to find the retirement savings solution best suited to your financial goals.

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Smart Money Market

High Interest with Checking Convenience

Our Smart Money Market Account offers the security of a traditional savings account with the benefit of a high interest rate and check writing flexibility. Earn 1.05% APY1,2,3 while taking advantage of free mobile banking, mobile deposit, and email and text messaging alerts.

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Certificates of Deposit

All of the Rewards, None of the Risk

With a low minimum deposit and the flexibility to choose terms of between three and sixty months, a Certificate of Deposit (CD) from Bank of Internet USA is a safe, smart savings vehicle that will allow you to reach your financial goals with zero market risk.

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© 2018 Bank of Internet USA, All Rights Reserved.

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.

BofI Federal Bank NMLS# 524995

1 Federal regulations limit certain types of transfers from a money market or savings account to a combined maximum of six per month. If transfers exceed this limit more than occasionally, we will convert the account to a type not subject to transfer limits or close the account. A fee is assessed for each excess transfer paid against the account. See our Deposit Account Agreement and Disclosures for details.

2 The Annual Percentage Yield (APY) is accurate as of . The interest rate and corresponding APY for savings and money market accounts are variable and are set at our discretion. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

3 Bank of Internet USA uses the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the daily collected balance in your account. The Collected Balance is the balance of all deposits in your account on which we have received credit for the deposited funds (determined by the availability schedule of our Federal Reserve Bank for non-cash items). All Checking and Savings accounts are variable rate accounts. Time Deposit rates are fixed for the term of the certificate. Time Deposits require a substantial penalty for early withdrawal. Please refer to the Deposit Account Agreement and Disclosure for further information.