Bank · FDIC insured
Altos Bank Savings Rates
Altos Bank’s best savings rate is 1.01% APY on $10,000, with its Elite Money Market Savings. Rates checked October 16, 2026.
How Altos Bank’s savings rates compare
Compared with banks and credit unions near San Jose, CA, where Altos Bank has the most branches. $10,000, best rate first.
This bank’s best
Altos Bank
1.01%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $101
Elite Money Market Savings
Top rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
2nd-highest rate
EverBank
4.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $420
Altos Bank savings score
86
Savings score
Higher than 73% of U.S. banks and credit unions
- $1,000 balance$1,0000.90%
- $10,000 balance$10,0001.01%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.01%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Altos Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Elite Money Market Savings
1.01%APY
Tiered-rate money market account for larger personal balances. Provides interest earnings with access through digital transfers and limited check-writing functionality where applicable. Fees may apply.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Variable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY. | 0.90% | — | Variable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY. |
| $10,000 – $50,000Variable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY. | 1.01% | $101 | Variable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY. |
| $50,000 – $100,000Variable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY. | 1.11% | — | Variable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY. |
| $100,000 and upVariable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY. | 1.26% | — | Variable-rate account; rates subject to change. Fees may reduce earnings. Minimum balance requirements may apply to obtain the stated APY. |
Core Savings
0.35%APY
No monthly maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.30% | — |
| $10,000 – $50,000 | 0.35% | $35 |
| $50,000 – $100,000 | 0.38% | — |
| $100,000 and up | 0.40% | — |
Sources (3)
- altosbank.com/personal-banking/deposit-solutions · captured Sep 16, 2026
- altosbank.com/personal-banking…rsonal-deposit-solutions · captured Sep 16, 2026
- altosbank.com/assets/files/F9i…eet%20-%202026-08-14.pdf · captured Oct 8, 2026
Opening an account
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