Earn 5.00% APY on your savings

With Fruitful’s high yield savings account.
Earn 11x the national average on your savings.*
No account fees. No minimums. No nonsense.

Earn more on savings

5.00% APY savings account, 11x the national average*
No account fees
Unlimited fee-free transfers
No minimum deposit to earn 5.00% APY
$250,000 of FDIC Insurance per account holder
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Enter your cash savings above

Good news! This amount of interest earned would cover an entire annual membership.

Est. interest earned per year

*As of December 18, 2023

Your savings are secure

Fruitful high yield savings accounts are held at our partner bank - Emigrant Bank, Member FDIC, which was founded in 1850, and is one of the largest privately held banks in the United States. All accounts are FDIC insured up to $250,000 per account holder.

Start saving smarter


Your savings earn 5.00% APY—that’s one of the best rates in the market, 11x the national average.*


$250,000 of FDIC insurance per account holder through our FDIC member partner bank.


No account fees, no minimums, an ideal spot for your emergency, short-term, or goal-specific savings.


How is the high yield savings account part of the Fruitful membership?

Fruitful is a financial wellness membership that provides access to:

1. Unlimited expert advice and support from a dedicated Fruitful Guide, who is a CERTIFIED FINANCIAL PLANNER™ Professional that helps with all aspects of your finances.

2. A 5.00% APY High Yield Savings Account, 11x the national average*

3. Tailored investment portfolios with expert support at every step and no management fees.

The combo of these 3 core benefits allows our members to organize and optimize their finances in a way that’s simple, smart, stress-free, and sustainable. Members can improve their finances, make real progress toward goals, and eliminate stress. That sounds nice!

*Rates according to FDIC Monthly Rate Cap Information as of December 18, 2023.

What is a high yield savings account and why is it a good idea?

A high yield savings (HYS) account earns significantly more interest than a normal savings account does. They’re great places to keep cash that you plan to use this year or next, for goals like emergency funds, vacations, home down-payments, and holiday gifts. By keeping your cash in an FDIC-insured HYS account, your money is protected from loss due to bank failure, always accessible (with no penalties for using it when you need it), and earning a comparatively high return. This helps you earn more on your savings and helps to keep inflation from eroding some of the real value of that cash.

Will the interest rate lock in, or does it change?

It can change occasionally based on a number of factors — the primary being the Federal Funds Rate. We’ll always notify you when the rates change, and we’re motivated to provide members with as competitive a rate as possible. When the Fed , or Emigrant Bank, increases or decreases their interest rate, we increase or decrease ours.

What if I want to withdraw my money?

You can withdraw your money at any time. It can typically take three to four business days for funds to arrive in your linked bank account. If your withdrawal taps funds that were recently deposited, it may take a few extra days to process.

Are there account fees?

None. We don’t charge any account fees for Fruitful high yield savings accounts.

Is my money secure?

Fruitful high yield savings accounts are held at our partner bank - Emigrant Bank, Member FDIC, which was founded in 1850, and is one of the largest privately held banks in the United States. FDIC insured up to $250,000 per depositor, per ownership category — that means an individual ownership category (solo account) is insured up to $250,000. A joint ownership category is insured up to $250,000 per depositor.

What does APY mean?

APY stands for annual percentage yield — a fancy way of expressing the real rate of return earned on your savings over a period of time (one year in this case) inclusive of the wonderful impact of compounding. Compounding - sometimes referred to as “interest on interest” - takes into account your deposits as well as accumulated interest over a period of time.

How is the interest on my account paid?

Interest on funds in your account compounds daily and is credited to your account every month.

Do you offer joint accounts?

Yes, we offer both solo and joint savings accounts.