Bank · FDIC insured
Axos Bank Savings Rates
Axos Bank’s best savings rate is 4.01% APY on $10,000, with its Summit Savings. Rates checked October 16, 2026.
How Axos Bank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
Axos ONE Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
Axos Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0004.01%
- $10,000 balance$10,0004.01%
- $100,000 balance$100,0004.01%
- QualifiedQualified5.00%
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 Axos 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.
Axos ONE Savings
Up to 5.00%APY
Part of Axos ONE checking and savings bundle. No monthly maintenance fees, opening fees, minimum balance requirements, or overdraft fees. Includes limited-time 0.79% APY Boost offer for new customers who open a new bundle between 10/01/2026 and 10/31/2026.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Limited-time APY Boost for eligible new customers opening a new Axos ONE bundle between 10/01/2026 and 10/31/2026. Earns 0.79% APY Boost (total 5.00% APY) for first 6 statement cycles on balances up to $49,999.99 when meeting Option 1 or Option 2 qualification requirements on linked Axos ONE Checking and maintaining average daily savings balance <= $249,999.99. | 5.00% | $500 | Limited-time APY Boost for eligible new customers opening a new Axos ONE bundle between 10/01/2026 and 10/31/2026. Earns 0.79% APY Boost (total 5.00% APY) for first 6 statement cycles on balances up to $49,999.99 when meeting Option 1 or Option 2 qualification requirements on linked Axos ONE Checking and maintaining average daily savings balance <= $249,999.99. |
| Up to $50,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. | 4.21% | $421 | Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. |
| Up to $50,000Standard base rate when promotional qualification criteria are not met. | 1.00% | $100 | Standard base rate when promotional qualification criteria are not met. |
| $50,000 – $100,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. | 4.21% | — | Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. |
| $50,000 – $100,000Standard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
| $100,000 – $150,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. | 4.21% | — | Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. |
| $100,000 – $150,000Standard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
| $150,000 – $200,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. | 4.21% | — | Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. |
| $150,000 – $200,000Standard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
| $200,000 – $250,000Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. | 4.21% | — | Boosted promotional rate. Requires Axos ONE Checking account during Qualification Period to meet Option 1 (direct deposits >= $1,500 and average daily balance >= $1,500) or Option 2 (deposits >= $5,000 and average daily balance >= $5,000). Both accounts must be open and active on 25th of the month and when interest is paid. |
| $200,000 – $250,000Standard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
| $250,000 – $500,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. | 3.50% | — | Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. |
| $250,000 – $500,000Standard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
| $500,000 – $750,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. | 3.50% | — | Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. |
| $500,000 – $750,000Standard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
| $750,000 – $1,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. | 3.50% | — | Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. |
| $750,000 – $1,000,000Standard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
| $1,000,000 – $2,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. | 3.50% | — | Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. |
| $1,000,000 – $2,000,000Standard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
| $2,000,000 – $3,000,000Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. | 3.50% | — | Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. |
| $2,000,000 – $3,000,000Standard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
| $3,000,000 and upBoosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. | 3.50% | — | Boosted promotional rate on balances above $249,999.99. Requires meeting promotional criteria on linked Axos ONE Checking account during Qualification Period. |
| $3,000,000 and upStandard base rate when promotional qualification criteria are not met. | 1.00% | — | Standard base rate when promotional qualification criteria are not met. |
Sources (2)
All captured Oct 6, 2026
Summit Savings
Up to 4.01%APY
No monthly maintenance fees, no minimum balance requirements, and no minimum initial deposit. Limited-time promotional 0.26% APY Boost (total 4.01% APY) available for eligible new customers using promo code SUM26 for accounts opened 10/01/2026 through 10/31/2026.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePromotional APY Boost of 0.26% added to base APY for the first 6 statement cycles for new customers who open an account with promo code SUM26 between October 1, 2026 and October 31, 2026. Variable rate. | 4.01% | $401 | Promotional APY Boost of 0.26% added to base APY for the first 6 statement cycles for new customers who open an account with promo code SUM26 between October 1, 2026 and October 31, 2026. Variable rate. |
| Up to $10,000Standard base rate. No minimum balance to earn APY. | 3.75% | — | Standard base rate. No minimum balance to earn APY. |
| $10,000 – $25,000Standard base rate. No minimum balance to earn APY. | 3.75% | $375 | Standard base rate. No minimum balance to earn APY. |
| $25,000 – $50,000Standard base rate. No minimum balance to earn APY. | 3.75% | — | Standard base rate. No minimum balance to earn APY. |
| $50,000 – $100,000Standard base rate. No minimum balance to earn APY. | 3.75% | — | Standard base rate. No minimum balance to earn APY. |
| $100,000 and upStandard base rate. No minimum balance to earn APY. | 3.75% | — | Standard base rate. No minimum balance to earn APY. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
First Savings
0.25%APY
Designed for teens aged 13 through 17 (age 18 in Alabama) with parental oversight. No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fees.Any balance | 0.25% | $25 | No monthly maintenance fees. |
Sources (2)
All captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.