Bank
Chime Savings Rates
Chime’s best savings rate is 4.00% APY, with its Chime Savings Account, with extra requirements. Rates checked October 26, 2026.
How Chime’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Chime
4.00%APY
- Requires
- Conditions apply
- Minimum
- $0.01
- Earns on $10,000 a year
- $400
Chime Savings Account
Top rate
Service Credit Union
10.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $1,000
2nd-highest rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Chime Savings Account
Up to 4.00%APY
Must have an active Chime Checking Account to open. Must be at least 18 years old and a U.S. resident with a valid SSN. No monthly fees, no minimum balance requirements. $0 minimum opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Available to members with Chime Prime status. To qualify for Chime Prime, receive $3,000+ in qualifying direct deposits to your Chime Checking Account in the past 34 days. Variable rate. Must have $0.01 in savings to earn interest. No minimum balance required.Over $0 | 4.00% | $400 | Available to members with Chime Prime status. To qualify for Chime Prime, receive $3,000+ in qualifying direct deposits to your Chime Checking Account in the past 34 days. Variable rate. Must have $0.01 in savings to earn interest. No minimum balance required. |
| Over $0Available to members with Chime Plus status. To qualify for Chime Plus, receive either a single $200+ qualifying direct deposit or $400+ in cumulative qualifying direct deposits to your Chime Checking Account in the preceding 34 days. Variable rate. Must have $0.01 in savings to earn interest. No minimum balance required.Over $0 | 3.00% | $300 | Available to members with Chime Plus status. To qualify for Chime Plus, receive either a single $200+ qualifying direct deposit or $400+ in cumulative qualifying direct deposits to your Chime Checking Account in the preceding 34 days. Variable rate. Must have $0.01 in savings to earn interest. No minimum balance required. |
| Over $0Standard rate for Chime members. Variable rate. Must have $0.01 in savings to earn interest. No minimum balance required.Over $0 | 1.00% | $100 | Standard rate for Chime members. Variable rate. Must have $0.01 in savings to earn interest. No minimum balance required. |
Sources (4)
- chime.com/savings
- chime.com/savings/high-yield-savings-account
- chime.com
- chime.com/policies/chime-membership-tiers-prime
All captured Oct 26, 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.