At Save, banking
and investing are one
and the same

We believe personal finance should be powerfully simple,
so we invest on your behalf as you spend and save.

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Market Savings Account

Most savings accounts return far less than 1% Source: National Rates and Rate Caps per year. If you want to grow your wealth, you can always invest in the market. But that puts your hard-earned savings at risk.

So how can you get more from your savings without risking them in the market?

By replacing your interest with investments, your Market Savings account combines the security of FDIC-insured bank deposits with the upside potential of market returns. So your savings get a chance to truly grow — without risking your deposit.

Market Savings Account

1-year term

4.46% Average annual returns reflect the prevailing deposit rates in July 2022, and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment greater than one (1) year are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate

Average Annual Return

Market Savings Account

2-year term

5.86% Average annual returns reflect the prevailing deposit rates in July 2022, and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment greater than one (1) year are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate

Average Annual Return

Market Savings Account

5-year term

9.46% Average annual returns reflect the prevailing deposit rates in July 2022, and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment greater than one (1) year are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate

Average Annual Return

Wealth Card

Points are great. Cashback is better.

The first high-yield credit card that replaces rewards with investments, no matter how you spend.

  • Average return of 5.83% Average annual returns are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. Minimum return will always be at least 0%. The return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see Hypothetical Back-testing."
  • No variable categories, no exclusions, no cap on earnings
  • Choose a portfolio that matches your goals
  • Access to premium Visa benefits
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Outperformance

Growth-focused savings with an average annual return of 4.46% - 9.46% Average annual returns reflect the prevailing deposit rates in July 2022, and are based on hypothetical back-tested performance in the Save Moderate Portfolio from 2006 to present and are shown net of fees. Hypothetical back-tested performance is no guarantee of future performance and actual results will vary. Returns are subject to change daily. For client accounts, the average annual return percentage calculated across the full term length of investment will never reflect returns of less than 0%. Calculations of average annual returns based on hypothetical back-tested performance across any term length of investment greater than one (1) year are based on an assumption of sequential reinvestment of the principal and any returns of each such security into a new hypothetical strategy-linked security effective on the maturity date of the predecessor security. All return figures shown are for informational purposes only and are not actual customer returns. For more detailed information please see https://joinsave.com/hb-moderate .

Security

Your deposits are FDIC insured to the maximum by law.

Advanced Portfolio Design

Advanced portfolio design that only institutional investors normally have
access to.

No Return No Fee

If your portfolio doesn't make money, we don't charge our management fee.

Referral Program

Earn more in savings power through referrals.

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