Free Thrive Savings

Grow your savings without any effort. This free account does the work for you!

Rates

Key Features

  • Automatic Savings
  • High Interest
  • No Monthly Maintenance Fees
  • No Minimum Balance Requirements
Apply Now
  • Free account that builds your savings effortlessly
  • Links to free Thrive Interest or Thrive Cash Back checking
  • Automatic transfers of Thrive Interest or Thrive Cash Back earnings
  • 2.00% APY* on balances up to $20,000
  • 2.00% to 0.25% APY on balances over $20,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met in Thrive Interest or Thrive Cash Back
  • No monthly maintenance fee
  • No minimum balance to earn rewards
  • Free digital banking, including:
    • Online banking
    • Mobile banking
    • eStatements
  • $25 minimum deposit to open

It’s so easy to earn the higher rate.

Qualifying for your Thrive Interest or Thrive Cash Back rewards automatically qualifies you for the highest Thrive Savings rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Thrive Interest or Thrive Cash Back account during each Monthly Qualification Cycle:

  • At least 10 debit card purchases
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your accounts are still free. Plus, you’ll still earn our base rate on Thrive Savings. And you can get right back to earning your full rewards the very next cycle that you qualify.

Apply Now

*APY=Annual Percentage Yield. APYs accurate as of 09/15/2023. Rates may change after account is opened. Minimum to open is $25 for Thrive Savings. Interest earned in Thrive Interest is automatically transferred to Thrive Savings each statement cycle and does not compound. Actual interest amount paid may be less than advertised Thrive Interest APY. The Thrive Savings APYs may be less than Thrive Interest APYs. If qualifications in Thrive Interest are met each monthly qualification cycle: (1) balances up to $20,000 in Thrive Savings receive an APY of 2.00%; and (2) balances over $20,000 in Thrive Savings earn 0.25% interest rate on portion of balance over $20,000, resulting in 2.00% - 0.25% APY depending on the balance. If qualifications are not met on Thrive Interest, all balances in Thrive Savings earn 0.05% APY. ATM receipt must be presented for reimbursement of ATM fees of $5.00 or higher. Transfers between accounts do not count as qualifying transactions. Limit one account per Social Security Number.