High Yield Savings

4.50% ANNUAL

Apply in 3 minutes or less

No hidden fees
No monthly fees
No nonsense

Earn more and keep it. View the short list of fees that could occur on your account here.
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.

Human support at your fingertips

Get the support you need when you need it. With Quontic’s digital customer service, you can speak to one of our customer success representatives by:
Using the audio through your computer
Entering your phone number so we can call you
Initiating a live chat session

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.

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. There is a $10.00 excess transaction fee for every transaction over six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. 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 July 31, 2023.

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

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