Bank · FDIC insured
Charles Schwab Bank Savings Rates
Charles Schwab Bank’s best savings rate is 0.15% APY on $10,000, with its Schwab Bank Investor Savings. Rates checked October 16, 2026.
How Charles Schwab Bank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Charles Schwab Bank
0.15%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $15
Schwab Bank Investor 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
Charles Schwab Bank savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified0.15%
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 Charles Schwab 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.
Schwab Bank Investor Savings
0.15%APY
Deposit Rates as of 10/16/2026. $0 minimum opening deposit. Interest rates may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.15% | — |
| $2,500 – $10,000 | 0.15% | — |
| $10,000 – $50,000 | 0.15% | $15 |
| $50,000 – $100,000 | 0.15% | — |
| $100,000 – $500,000 | 0.15% | — |
| $500,000 and up | 0.15% | — |
Sources (2)
All captured Oct 16, 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.