Bank · FDIC insured
Happen Bank Savings Rates
Top CarrotHappen Bank’s best savings rate is 4.20% APY, with its LevelUp Savings, with extra requirements. Rates checked October 22, 2026.
How Happen Bank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Happen Bank
4.20%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $420
LevelUp 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
Happen Bank 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%
- QualifiedQualified4.20%
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 Happen 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.
LevelUp Savings
Up to 4.20%APY
Account earns the LevelUp Rate for the first two statement cycles after opening; requires cumulative deposits of at least $250 per statement cycle (Evaluation Period) starting in the third statement cycle to maintain the LevelUp Rate, otherwise earns the Standard Rate. Subject to closure if inactive with a zero balance for 3 months.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires cumulative deposits of at least $250 during the previous statement cycle (Evaluation Period). All accounts automatically earn this rate through the first two statement cycles.Any balance | 4.20% | $420 | Requires cumulative deposits of at least $250 during the previous statement cycle (Evaluation Period). All accounts automatically earn this rate through the first two statement cycles. |
| Any balanceStandard rate earned when cumulative deposits during the previous statement cycle are less than $250.Any balance | 3.00% | $300 | Standard rate earned when cumulative deposits during the previous statement cycle are less than $250. |
Sources (3)
- happen.com/legal/deposits/levelup-savings-t-and-cs
- happen.com/personal-banking/savings
- happen.com/personal-deposits/account-rates
All captured Oct 9, 2026
Closed to new customers
Founder Savings
3.35%APY
As of December 18, 2024, Founder Savings will no longer be available to new customers. It is an invite-only offer exclusive to Happen Bank Retail Notes Investors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $20,000 | 3.35% | $335 |
| $20,000 – $50,000 | 3.35% | — |
| $50,000 and up | 3.35% | — |
Sources (2)
All captured Oct 9, 2026
High-Yield Savings
3.30%APY
As of August 22, 2024, High-Yield Savings is no longer available to new customers.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 3.30% | $330 |
| $25,000 – $50,000 | 3.30% | — |
| $50,000 – $100,000 | 3.30% | — |
| $100,000 – $250,000 | 3.30% | — |
| $250,000 and up | 3.30% | — |
Sources (2)
All captured Oct 9, 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.