BMW Bank High-Yield Savings Account: $1000 Bonus + 4.15% APY (Nationwide)

If you’re looking for a new savings account available nationwide, BMW Bank High-Yield Savings account is offering you 4.15% APY + up to $1000 bonus powered by Raisin.

Update 11/10/26: You can currently earn up to $1000 bonus through 11/30/26!

• New customer offer: here’s how to earn up to $1,000.
• A smart savings strategy starts with a strong foundation. Sign up with code STACK and deposit $10,000 or more to secure your welcome bonus while earning top rates.
• Earn an extra bonus on top when you split your qualifying total balance between a savings account and a CD.
• Customers will receive a Welcome Bonus of:
  • $40 for depositing between $10,000 and $24,999;
  • $100 for depositing between $25,000 and $49,999;
  • $200 for depositing between $50,000 and $99,999;
  • $425 for depositing between $100,000 and $199,999; and
  • $900 for depositing $200,000 or more.
• Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
• Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between;
  • $10,000–$24,999 receive an additional $10;
  • $25,000–$49,999 receive an additional $25;
  • $50,000–$99,999 receive an additional $50;
  • $100,000–$199,999 receive an additional $75; and
  • $200,000 or more receive an additional $100.
• Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms.

Terms:

• New customers only. Earn a cash bonus (the “Welcome Bonus”) when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive a Welcome Bonus of $40 for depositing between $10,000 and $24,999; $100 for depositing between $25,000 and $49,999; $200 for depositing between $50,000 and $99,999; $425 for depositing between $100,000 and $199,999; and $900 for depositing $200,000 or more. If the Qualifying Deposit balance declines at any time during the maintenance period below the minimum required for a bonus tier, the customer will be placed in the bonus tier corresponding to the lowest Qualifying Deposit balance maintained during that period.
• Savings + CD Boost: Customers eligible for the Welcome Bonus may earn an additional bonus by opening a product in a second product category. To qualify, customers must deposit at least $1,000 into the secondary product category within 14 days of their initial deposit and maintain balances over $1,000 in both categories through 90 days from the initial deposit date.
• For the purposes of this promotion, High-Yield Certificates of Deposit constitute one product category; No-Penalty CDs and Callable CDs constitute a second product category; and Savings Accounts (including Money Market Deposit Accounts, High-Yield Savings Accounts, and Rate Lock Savings Accounts) constitute a third product category. Savings + CD Boost eligibility is determined by your Welcome Bonus tier: customers depositing between $10,000–$24,999 receive an additional $10; $25,000–$49,999 receive an additional $25; $50,000–$99,999 receive an additional $50; $100,000–$199,999 receive an additional $75; and $200,000 or more receive an additional $100.
• The Savings + CD Boost is optional and paid in addition to the Welcome Bonus. To qualify for the Welcome Bonus and Savings + CD Boost, your first deposit must be initiated between September 1, 2026, and November 30, 2026, by 11:59 PM ET, and the promo code STACK must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days of the initial deposit date will be eligible for the Welcome Bonus and Savings + CD Boost. Bonus cash will be credited directly to your Cash Account within 30 days of meeting all qualifying terms. This offer is available to new customers only, is non-transferable, and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.

BMW Bank High-Yield Savings account

Here is your opportunity to earn a a competitive interest rate on your funds. Open a new account and start earning interest and get started today!

• Learn More at BMW Bank
• Rate Offer: 4.15% APY Rate
• Availability: Nationwide
• Credit Inquiry: Soft Pull or Hard Pull?
• Credit Funding: None
• Monthly Fee: None Listed
  
• Early Termination Fee: None

(FDIC Insured)

How to Earn Rate

1. Open a new account with a minimum opening deposit of $500.
2. Fill out your personal information – Provide your name, address, phone, email and social security number or Tax ID.
3. Fund the account/transfer funds – Transfer funds electronically from an internal account here or an external account at another bank.
4. Earn 4.15% APY.

Account Rates

BMW Bank Account Benefits

• Trusted by name. Built to grow. Easy to access.
• Confidence in every dollar. Put your savings in motion with BMW BANK. Built on the strength of a globally recognized name and decades of financial expertise, BMW BANK brings the same commitment to quality and confidence to helping you save. Your funds are deposited into a custodial account held at BMW BANK for your benefit and qualify for FDIC insurance up to $250,000 per depositor, subject to certain conditions.
• More momentum for your money. Give your savings more drive with a competitive rate designed to help your balance grow. Whether you are building a financial cushion or working toward your next milestone, every dollar can move you closer.
• Your savings, always within reach. Enjoy a streamlined digital experience that keeps you in control. Open and manage your account online, check your savings when it is convenient, and stay focused on where you are headed—simply, securely, and on your schedule.

Author’s Verdict

Check out this offer from BMW Bank and open a High-Yield Savings account with an amazing rate! Take advantage of the services they have to offer along with these savings.

Let us know about your experience with this bank and comment below.

In addition to the current rate from BMW Bank, you can also take advantage of a range of great promotions from banks such as HSBC Bank, Chase Bank, Huntington Bank, TD Bank, or CIT Bank.

Let us know about your thoughts and experience with this account! Be sure to check back on BankDealGuy for more bank rates!