Your money, working harder every day
High-yield savings accounts, fixed deposits and goal-based pots — earn up to 5.5% APY while keeping full control of your money. No minimums, no lock-in required.
Dream Home
$17,200 of $40,000 · 43%
Interest earned
+$458
This month · 5.5% APY
Products
Choose how your money grows
Every product is designed around your lifestyle — flexible when you need it, locked-in when you don't.
Savings Pots
Create named pots for every goal. Automate deposits and watch them grow on a clear progress tracker.
- Instant access any time
- Auto-save daily/weekly/monthly
- Goal targets & deadlines
- Lock funds optionally
Fixed Deposit
Lock in a higher rate for 30–365 days. Principal is fully FDIC insured up to $250,000.
- Guaranteed principal
- 5.5% APY max
- 30–365 day terms
- FDIC insured to $250K
High-Yield Account
Premium returns on liquid funds. No lock-up period. Withdraw any time with no penalties.
- No lock-up required
- Tiered rates by balance
- Instant withdrawal
- Daily interest accrual
Goal Savings
Set a target amount and deadline. SilverBrook auto-calculates your daily saving amount to hit it on time.
- Deadline-driven savings
- Auto-calculate rate
- Progress notifications
- Smart rounding rules
Rate comparison
10× the national average APY
The national savings average is just 0.4% APY. SilverBrook pays 5.5% — fully FDIC insured. The same government protection, far superior returns.
SilverBrook Best rate
Major US Bank A
Major US Bank B
National Average (FDIC)
Traditional Savings
Calculator
See exactly what you'll earn
Principal
$10,000
Interest earned
+$550
Total at maturity
$10,550
Based on 5.5% APY fixed deposit. Rates may vary.
Open a fixed depositStart earning more on your savings today
Open a SilverBrook savings account in 3 minutes. No minimum. No fees. Earn up to 5.5% APY from day one.
Open free account