Get Our Best Savings Rate For High Balances

We’ve increased the rates on our Money Market Account
now our best APY option for balances over $150,000

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Grow Your Money With Purpose

Quontic is the inclusive bank for those who want more out of their money with innovative accounts, high-interest rates, and no monthly maintenance fees. As one of only 3% of banks with a CDFI designation, we use the deposits from our award-winning and highly rated accounts to bring the dream of homeownership to the underbanked. Take pride in depositing your money in a digital bank that’s reshaping communities across across all 50 states.

PROUD TO BE
A CDFI
TOP ONLINE
BANK
HIGHLY
RATED

Innovative Deposit Accounts

Enjoy the convenience of banking on your terms—whenever you want, anytime you want. As a digital bank, Quontic is able to offer some of the best rates in the country1. The result: more return for you. All while being a part of the first community bank to truly go digital. Quontic is dedicated to creating innovative deposit products that play to people’s passions.

CHECKING

Earn up to 1.01% APY

SAVINGS

Earn up to 0.55% APY

CERTIFICATE OF DEPOSIT

Earn up to 1.11% APY

FEATURED ACCOUNT:

High Interest Checking

Earn 1.01% APY on the portion of the daily balances up to $150,000 when you make at least 10 qualifying debit card point of sale transactions of $10 or more per statement cycle. APY earned is based on the portion of the daily balance within the specified tiers. Minimum opening deposit of $100.2

Diverse Home Loans

Quontic offers home loans that range from conventional purchase and refinance to FHA, VA, and Reverse mortgages. Have confidence in working with our experienced loan officers and seamless financing process. We’re eliminating all of the myths you’ve come to know about mortgages with our unique loans, our speed, and our attention to detail.

HOME PURCHASE LOANS

Find the mortgage to meet your needs.

MORTGAGE REFINANCE

Lower your payment or get cash out.

FEATURED HOME LOAN SOLUTION:

Community Development Loans

Get non-traditional access to prime mortgage financing based on your full financial and credit profile.3
As an all-digital, FDIC member bank, we take the charge of our customer’s data and account security very seriously. Learn more about our policies and how we keep you protected in our Bank Security Center.

Disclaimer:

1Based on FDIC National Rates update found at https://www.fdic.gov/resources/bankers/national-rates/index.html. Data was updated on October 18, 2021.
2High Interest Checking Account is a conditional tiered variable rate account. You must deposit $100.00 to open this account. The conditional interest rate and annual percentage yield is based on (A) fulfilling the minimum qualifying activity requirements per statement cycle, which are (1) a daily balance less than or equal to $1,000,000.00 and (2) 10 qualifying Point of Sale debit card transactions equal to or over $10.00 per transaction, and (B) the portion of the balance within the following specified tiers: (a) If the minimum qualifying activity requirement is fulfilled and your daily balance is $150,000 or less, the interest rate paid on the entire balance will be 1.00% with an annual percentage yield of 1.01%; (b) If the minimum qualifying activity requirement is fulfilled, an interest rate of 0.35% will be paid only for that portion of your daily balance that is greater than $150,000 but not exceeding the amount of $1,000,000.00. The annual percentage yield for this tier will range from 1.01% to 0.45%, depending on the balance in the account; and (c) If the minimum qualifying activity requirement is fulfilled, an interest rate of 0.00% will be paid only for that portion of your daily balance that is greater than $1,000,000.00 The annual percentage yield for this tier will range from 0.45% to 0.00%, depending on the balance in the account. If the qualifying activity requirement is NOT fulfilled, the interest rate paid on the entire balance will be 0.01% with an annual percentage yield of 0.01%. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. The following activities are not considered qualifying POS debit card transactions and do not count toward earning rewards: ATM- processed transactions; transfers between accounts; purchases made with debit cards not issued by our bank; cash over portions of point-of-sale transactions; Peer-to-Peer (P2P) payments (such as Apple Pay Cash*); loan payments or account funding made with your debit card and purchases made using third-party payment accounts. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Online Account Opening is only available to consumers. Data connection required to open an account online. Carrier fees may apply. Application is subject to approval. Information is accurate as of October 27, 2021 and may change without notice.
3All lending products are subject to approval. Rates, program terms & conditions are subject to change without notice. Not all products are available in all states or for all amounts. This does not represent an offer to enter into a loan agreement. Other requirements, restrictions & limitations apply. Information is accurate as of June 9, 2021 & is subject to change without notice.
November 24, 2021