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Schwab Bank offers Schwab Bank Investor Checking accounts and Schwab Bank Investor Savings accounts. Visit us at Schwab.com/banking for more information.
Deposit Rates as of 11/05/2025
Schwab Bank Investor Savings™
$0 minimum opening deposit
Balance Tier
Charles Schwab Bank - label.rates
$0.00 - $2,499.99 $2,500.00 - $9,999.99 $10,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $499,999.99 $500,000.00 +
Rate APY1 Rate APY1 Rate APY1 Rate APY1 Rate APY1 Rate APY1
0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15%
Interest Checking Plus Account
Balance Tier
Charles Schwab Bank - label.rates
$0.00 - $2,499.99 $2,500.00 - $9,999.99 $10,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 - $499,999.99 $500,000.00 +
Rate APY1 Rate APY1 Rate APY1 Rate APY1 Rate APY1 Rate APY1
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%

* The interest rate and Annual Percentage Yield (APY) will not change for the term of the account. The Annual Percentage Yield assumes interest remains on deposit until maturity. Certificates of Deposit (CDs) carry an early withdrawal penalty equal to 90 days interest for all terms and balance tiers.
1Annual Percentage Yield. Interest rates may change after the account is opened.

The Annual Percentage Yields (APY) shown are for accounts offered by the Bank and effective as of the date shown above, unless otherwise noted. Rates are subject to change without notice. Each tier shown reflects the current minimum balance required each day to obtain the applicable Annual Percentage Yield. Fees may reduce earnings.
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