Available nationwide, the Upgrade Premier Savings account offers 3.05% APY on your funds to help you reach your goals faster.
Update 11/1/25: The rate has decreased to 3.05% APY from 3.42%.
Consider opening a savings account with Upgrade! You can rest assured that your funds are safe with up to $250K in FDIC or NCUA insurance through Cross River Bank or Participating Institutions.
About Upgrade
Upgrade helps you make smart financial decisions to help you reach your goals. All without getting trapped by endless revolving credit card debt, or sidetracked by sneaky banking fees.
I’ll review the Upgrade Premier Savings account below.
Upgrade Premier Savings Account
- Account Type: Premier Savings
- Interest Rate: 3.05% APY
- Availability: Nationwide
- Credit Inquiry: Unknown
- Credit Funding: Unknown
- Minimum Balance: $1,000
- Maximum Balance: None
- Monthly Fee: None
- Early Termination Fee: None listed
(FDIC Insured)
| PROMOTION LINK | OFFER | OFFER |
| SoFi Checking and Savings Account | 3.30% APY + $325 Bonus | Review |
| Always.Bank Savings | 4.10% APY | Review |
| Valley Direct Online Savings | 4.00% APY | Review |
| Valley Bank High Yield Savings | 3.96% APY + $1200 Bonus | Review |
| Centier Bank High Yield Savings | 3.90% APY + $1200 Bonus | Review |
| American First Credit Union Money Market Deposit | 3.90% APY + $1200 Bonus | Review |
| Western Alliance Bank High-Yield Savings | 3.80% APY + $1200 Bonus | Review |
| Live Oak Bank Savings | 3.80% APY | Review |
| Quontic Bank High Yield Savings | 3.50% APY | Review |
| Robinhood Gold | 3.25% APY | Review |
| Betterment Cash Reserve | 3.25% APY | Review |
| Upgrade Premier Savings | 3.05% APY | Review |
Upgrade ACH Capabilities & Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | ? | ? | None |
| Pull | ? | ? | ? | None |
Editor’s Note: You have to link and initiate (inbound and outbound) ACH transfers from an external bank account.
Account Rates
| Balance Requirement | APY Rate |
| $1,000 | 3.05% APY |
Upgrade Account Benefits
- No monthly account fees
- Online transfers to and from other banks
- Secure 24/7 access to your money
- View balances, transfer funds between accounts
- You’re in control. Set up real-time alerts
- Up to $250K in FDIC or NCUA insurance through Cross River Bank or Participating Institutions
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Author’s Verdict
Check out Upgrade and open a Premier Savings account this amazing rate! The fact that you can earn a high rate on any balance makes this Savings Account all worthwhile. Let us know about your experience with this bank and comment below.
In addition to the current rate, you can also take advantage of a range of great promotions from banks such as HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
For more bank offers, see the complete list of Best Bank Rates!
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