HIGH-YIELD SAVINGS RATE
Tap into interest and make money when you save
Spruce customers can earn ![apy:savings-interest-rate]! APY on their Savings! Complete the requirement to opt in online or through the app after you sign up.
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No minimum balance required
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No monthly fees
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No transfer limits between savings and spending
Image is for illustrative purposes only and assumes no additional contributions and no withdrawals over a period of 5 years. The Annual Percentage Yield (APY) is accurate as of ![text:spruce-apy-accurate-as-of-date]!. This rate is variable and can change without notice. Fees may reduce earnings.
Enjoy these benefits while you save
No minimum balance
Earn interest on your Savings account without any minimum balance requirements.
No monthly fees
With no monthly fees, there’s more money to put toward your savings and earn interest!
Move money as needed
Move money from savings to spending as often as you need, anytime without penalty.
Maximize your tax refund
Use Smart Tax Refund for savings recommendations and grow your savings even more with interest.
*The Annual Percentage Yield (APY) is accurate as of ![text:spruce-apy-accurate-as-of-date]!. This rate is variable and can change without notice. Fees may reduce earnings. See Spruce Savings Rate Sheet for more info.
This calculator is for illustrative purposes only, assuming no rate changes over the period calculated, and that the account holder has not withdrawn funds during the period displayed above. All dollar amounts are rounded to the nearest dollar.
^ For illustrative purposes only