Apple BankSavings accountChecked Oct 10, 2026Updated
Apple SmartStart Savings Account
2.87%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $287 after fees
- Monthly fee
- No monthly fee
- To open
- $1 to open
Visit AppleThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 5.00% | $50 |
| $5,000 | 5.00% | $250 |
| $10,000 | 2.87% | $287 |
| $25,000 | 2.87% | $287 |
| $50,000 | 2.87% | $287 |
| $100,000 | 2.87% | $287 |
Rates by balance
| Balance | APY |
|---|---|
| Any balance | 5.00% |
| $1.01 to $10,000 | 5.00% |
| $10,000 and up | 2.87% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
Fees
- Monthly fee
- NoneSource · checked Oct 10, 2026
- Minimum to open
- $1Source · checked Oct 10, 2026
- ATM network
- Apple Bank and non-Apple Bank ATMs worldwideSource · checked Oct 10, 2026
- Out-of-network ATM fee
- NoneSource · checked Oct 10, 2026
- International ATM fee
- NoneSource · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- NoneSource · checked Oct 10, 2026
Who can open it
Features
ATM fee rebatesDebit cardInterest bearingJoint accountsMinor accountsNo foreign transaction feeNo minimum balanceNo overdraft feesOnline openingSavings buckets
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money