High Yield Savings

4.50% ANNUAL
4.50% APY
0.42% APY
National Average

Raise the bar with 4.50% APY

Quontic raises the bar, and keeps raising it. You can count on our rates rising. An APY that’s consistently over 10x higher than the national average2.

Frequently Asked Questions

Interest is compounded daily based on your posted account balance.

Interest is credited to your account every month at the end of your statement cycle.

To make your initial deposit, you can transfer money from your existing Quontic account, you can transfer money from an external account via ACH, or using Plaid’s technology. Please ensure that you have sufficient funds available to be transferred.

Yes, the minimum amount to open a High Yield Savings account is $100.

What you get


FDIC Insured and secured.
Security Center

Financial Tools

Track your spending and monitor credit with a full credit report, and credit monitoring.

No Nonsense

No monthly fees, no overdraft fees, no foreign collection fees.
List of rare fees

Banking should be easy

Zelle, Apple Pay, Google Pay, Samsung Pay

Support when you need it, and how you want it

100% US-based support. Chat live, request a call or speak through your computer’s audio.

Banking with a purpose

With Quontic, you’re more than just an account number. You’re a partner on our mission. As a CDFI, we’re the bank that helps bring the dream of homeownership to low-income families, immigrants, people of color, small business owners, and others who are unable to obtain mortgage financing through traditional lenders. Feel good about who you bank with.


1High Yield Savings Account – $100 to open account. 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. Ask for details. Additional terms, conditions, fees & exclusions may apply. Information is as of November 21, 2023.

2 National Average APY information as of July 17, 2023, according to the FDIC National Rates and Rate Caps.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Bankrate is a registered trademark of Bankrate, LLC. Forbes is a registered trademark of Forbes LLC. SmartAsset is a registered trademark of Financial Insight Technology, Inc. NerdWallet is a registered trademark of NerdWallet, Inc.

Are you looking for a higher APY?

Earn up to 5.50% APY with a Quontic Certificate of Deposit.

Are you looking for a higher APY?

Earn up to 5.50% APY with a Quontic Certificate of Deposit.