Bank · FDIC insured
EmigrantDirect Savings Rates
EmigrantDirect’s best savings rate is 3.00% APY on $10,000, with its American Dream Savings Account. Rates checked October 25, 2026.
How EmigrantDirect’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
EmigrantDirect
3.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $300
American Dream Savings Account
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
EmigrantDirect savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
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 EmigrantDirect 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.
American Dream Savings Account
3.00%APY
Must be at least 18 years of age, a U.S. citizen or Resident Alien with a valid SSN and residential address in the U.S. External account must be a U.S. transaction/checking account. No fees or service charges.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable APY subject to change. High interest earned on every single cent deposited. Linked external transaction account required.Any balance | 3.00% | $300 | Variable APY subject to change. High interest earned on every single cent deposited. Linked external transaction account required. |
Sources (2)
- emigrantdirect.com/securebanking/accountsDisclosures.do
- emigrantdirect.com/securebanking/learnMore.do
All captured Oct 25, 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.