Bank
Upgrade Savings Rates
Upgrade’s best savings rate is 3.30% APY on $10,000, with its Premier Savings. Rates checked October 26, 2026.
How Upgrade’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Upgrade
3.30%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $330
Premier Savings
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.
Performance Savings
Up to 3.30%APY
Companion savings account to Rewards Checking Preferred (or Rewards Checking Plus). Available as a joint account for two account holders. No minimum balance requirements and no monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires Active Accounts with monthly direct deposit of at least $1,000. Variable rate, may change at any time.Any balance | 3.30% | $330 | Requires Active Accounts with monthly direct deposit of at least $1,000. Variable rate, may change at any time. |
| Any balanceStandard rate for accounts not meeting the Active Accounts monthly direct deposit requirement. Variable rate, may change at any time.Any balance | 1.50% | $150 | Standard rate for accounts not meeting the Active Accounts monthly direct deposit requirement. Variable rate, may change at any time. |
Premier Savings
3.30%APY
High-yield savings account with no monthly maintenance fees or annual account fees. Available as a joint account for two account holders.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000On days when closing balance drops below $1,000, the APY is 0%. | 0.00% | — | On days when closing balance drops below $1,000, the APY is 0%. |
| $1,000 and upEarned on days when closing balance is or exceeds $1,000. Variable rate. | 3.30% | $330 | Earned on days when closing balance is or exceeds $1,000. Variable rate. |
Sources (3)
- upgrade.com/help/deposit-check…/premier-savings-details
- upgrade.com/premier-savings
- upgrade.com/help/deposit-check…-premier-savings-account
All captured Oct 26, 2026
Premier Savings (Oct 22)
3.30%APY
Discontinued during October 2022. Variable rate account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account. Version of Premier Savings discontinued during October 2022.Any balance | 3.30% | $330 | Variable rate account. Version of Premier Savings discontinued during October 2022. |
Sources (1)
- upgrade.com/help/deposit-check…-premier-savings-account · captured Oct 26, 2026
Everyday Savings
3.05%APY
Variable rate account. Can be held as a joint account with Rewards Checking Preferred or Premier Savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate account.Any balance | 3.05% | $305 | Variable rate account. |
Sources (1)
- upgrade.com/help/deposit-check…everyday-savings-account · 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.