Bank
Empower Savings Rates
Empower’s best savings rate is 3.70% APY, with its Empower Personal Cash, with extra requirements. Rates checked October 26, 2026.
How Empower’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Empower
3.70%APY
- Requires
- Conditions apply
- Minimum
- $0
- Earns on $10,000 a year
- $370
Empower Personal Cash
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.
Empower Personal Cash
Up to 3.70%APY
Must be a U.S. citizen or resident alien residing in the U.S., age 18 or older, and not subject to IRS backup withholdings. No account fees, no minimum daily balance requirement. Funds placed in participating program banks through UMB Bank n.a. with aggregate FDIC insurance up to $5 million ($250,000 per program bank). Interest accrues daily and is paid monthly on the first business day of the month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePremium rate available only to eligible Empower Personal Strategy Private Client customers.Any balance | 3.70% | $370 | Premium rate available only to eligible Empower Personal Strategy Private Client customers. |
| Any balanceStandard rate. No minimum balance required.Any balance | 3.50% | $350 | Standard rate. No minimum balance required. |
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.