Bank
X Money Savings Rates
X Money’s best savings rate is 6.00% APY, with its X Money Stored Value Account, with extra requirements. Rates checked October 26, 2026.
How X Money’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
X Money
6.00%APY
- Requires
- Conditions apply
- Minimum
- $0
- Earns on $10,000 a year
- $600
X Money Stored Value Account
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.
X Money Stored Value Account
Up to 6.00%APY
Funds held at Cross River Bank, Member FDIC, with cash sweep program providing up to $10M aggregate FDIC insurance. Not available to New York residents for APY, interest, or interest boosts. No minimum balance requirement for interest, but minimum monthly interest payment is $0.01.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBoosted rate applies when you receive Qualifying Deposit of $1,000 or more within a trailing 34 day period into your Stored Value Account (direct deposit via ACH with SEC code = PPD or X Creator payout). Available to Free or Plus / legacy Basic, Premium, or no subscription users. New York residents do not obtain APY or interest boosts. Minimum monthly interest payment is $0.01.Any balance | 6.00% | $600 | Boosted rate applies when you receive Qualifying Deposit of $1,000 or more within a trailing 34 day period into your Stored Value Account (direct deposit via ACH with SEC code = PPD or X Creator payout). Available to Free or Plus / legacy Basic, Premium, or no subscription users. New York residents do not obtain APY or interest boosts. Minimum monthly interest payment is $0.01. |
| Any balanceStandard rate for subscribers to the Premium, Super, or Ultra plan on The X Subscription, or legacy X Premium+ subscribers. New York residents do not obtain APY or interest. Minimum monthly interest payment is $0.01.Any balance | 6.00% | $600 | Standard rate for subscribers to the Premium, Super, or Ultra plan on The X Subscription, or legacy X Premium+ subscribers. New York residents do not obtain APY or interest. Minimum monthly interest payment is $0.01. |
| Any balanceStandard rate for Free or Plus subscribers on The X Subscription, or Basic, Premium, or no subscription on legacy X Premium. New York residents do not obtain APY or interest. Minimum monthly interest payment is $0.01.Any balance | 4.00% | $400 | Standard rate for Free or Plus subscribers on The X Subscription, or Basic, Premium, or no subscription on legacy X Premium. New York residents do not obtain APY or interest. Minimum monthly interest payment is $0.01. |
Sources (3)
All 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.