Thanks to referral you receive $1,500 of equivalent portfolio investments added to your account after you spend your first $250 of qualifying spend.
COMING SOON
Market Savings

Finally, a savings account where
your money can actually grow

Give your money a chance to truly grow, Save® delivers on average returns
up to 7.85% Average annual returns reflect the prevailing deposit rates in June 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 Your Deposits are FDIC insured.4

FDIC insured to the maximum allowed by law  |  Investments Protected by SIPC4

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How can you grow your savings
when interest rates are at record lows?

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

Market Savings Account

1-year term

2.36% Average annual returns reflect the prevailing deposit rates in June 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

4.14% Average annual returns reflect the prevailing deposit rates in June 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

7.85% Average annual returns reflect the prevailing deposit rates in June 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

Barclays Bank

1-year CD 1.30% APY

Capital One

2-year CD 1.70% APY

Marcus by Goldman Sachs

5-year CD 2.55% APY

TAB Bank

0.75% APY

Quontic Bank

0.75% APY

Bread Savings (formerly Comenity Direct)

1.00% APY

CIT Bank

11-month CD 0.30% APY

Ally Bank

11-month CD 0.60% APY

Marcus by Goldman Sachs

13-month CD 0.75% APY
Learn Chart Details

Choose your investment term

We are launching the Market Savings account with three different investment terms.

Market Savings Account

1-year term

2.36% Average annual returns reflect the prevailing deposit rates in June 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

4.14% Average annual returns reflect the prevailing deposit rates in June 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

7.85% Average annual returns reflect the prevailing deposit rates in June 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

A NEW APPROACH TO SAVINGS TECHNOLOGY

How your Market Savings account
gives your money a smarter way to grow

Your account is powered by Save® — our new approach to savings technology.
Save® combines the safety of bank deposits with the growth potential of the market.

Here’s how it works:

1.

Your deposit is placed in an FDIC insured partner bank account4

2.

Separately, Save will invest an amount equal to your deposit amount in a portfolio that matches the risk profile you’ve selected.

3.

You will receive the upside of a diversified portfolio of stocks, bonds, and other assets

Our market savings technology
opens up new possibilities

Here's what you need to know:

Your returns will vary based on portfolio performance.

If the investments don’t perform well in a given year, you won’t see any returns for that period.

But remember: the money you deposit in your savings account is always secure. And FDIC-insured up to the maximum amount the law allows.4

Learn More About Investments

Save® Moderate Portfolio Strategy

Each year shows the return of a 1 year program that ends on the last business day of the year.
Learn More About Investments

See how much your account could grow

When you reserve your Market Savings account, you’ll get access
to two other ways to earn with Save®

Save Wealth Card

For each $15 you spend, we invest $2.175 on your behalf

Referrals

Get $1,5007 in equivalent portfolio investments for each friend you refer

Reserve your Account

Why leave your savings
in an account that barely grows?

  • FDIC-insured to maximum allowed by law4
  • No cap on earning
  • Get $1,5007 in equivalent portfolio investments for referrals
  • 2.36% Average annual returns reflect the prevailing deposit rates in June 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 with 1-year term, 4.14% Average annual returns reflect the prevailing deposit rates in June 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 with 2-year term, 7.85% Average annual returns reflect the prevailing deposit rates in June 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 with 5-year term, average returns

FAQ

  • When can I start using my account?

    The Market Savings account will be launched by summer 2022. Reserve your account today, and we’ll let you know when it’s ready.

  • Will I be charged any fees?

    Save® only charges a fee when you get returns. When you do get returns, the fee is 0.35%. (If your returns are less than 0.35%, there’s no fee.) There are no other fees such as set-up fees or monthly fees.

  • How do I withdraw my money?

    If you need to withdrawal your funds or close your account, you can do so by logging into your account online or in the mobile app. You can also request help by emailing us at support@joinsave.com, or chatting with us through your app.

  • I want to know more about the investments. How do they work?

    The investments go into a portfolio managed by our team of industry-leading experts. Learn more about investments.

  • Is there a limit on how much I can earn?

    Nope! All the investment returns(minus our fee) are yours to keep — no matter how big they are.

  • Is there a minimum account balance?

    The minimum account is $1,000. There is no maximum.

Get bank deposit safety.
With market returns.

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