Bank · FDIC insured
Quontic Digital Bank Savings Rates
Top CarrotQuontic Digital Bank’s best savings rate is 3.90% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Quontic Digital Bank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Quontic Digital Bank
3.90%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $390
Money Market 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
Quontic Digital Bank savings score
98
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0003.90%
- $10,000 balance$10,0003.90%
- $100,000 balance$100,0003.90%
- QualifiedQualified3.90%
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 Quontic Digital 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.
Money Market Account
3.90%APY
Minimum opening deposit $100. No maintenance fee. Interest is compounded daily and credited monthly. Rates accurate as of October 5, 2026.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tiered balance applies. Maintain stated daily balance to obtain disclosed APY. | 3.90% | — | Tiered balance applies. Maintain stated daily balance to obtain disclosed APY. |
| $5,000 – $150,000Tiered balance applies. Maintain stated daily balance to obtain disclosed APY. | 3.90% | $390 | Tiered balance applies. Maintain stated daily balance to obtain disclosed APY. |
| $150,000 and upTiered balance applies. Maintain stated daily balance to obtain disclosed APY. | 3.90% | — | Tiered balance applies. Maintain stated daily balance to obtain disclosed APY. |
Sources (2)
All captured Oct 5, 2026
High Yield Savings
3.20%APY
Must be a U.S. Citizen and 18 years or older to open an account. No monthly service fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000,000Interest is compounded daily and credited monthly. If the account is closed before interest is credited, accrued interest may be forfeited for that statement cycle.Up to $1,000,000 | 3.20% | $320 | Interest is compounded daily and credited monthly. If the account is closed before interest is credited, accrued interest may be forfeited for that statement cycle. |
Sources (4)
- quontic.com
- quontic.com/banking/savings
- quontic.com/resources/rate-sheet
- quontic.com/banking/savings/high-yield-savings
All captured Sep 17, 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.