It's easy to watch your savings grow when you earn up to 5.00% APY*. Finally, a smarter way to earn more on your hard-earned money!
Smart Steps Savings
Features
Is a Smart Steps Savings Account Right for Me?
The Smart Steps Savings account is designed with your financial growth in mind. Whether you're just starting out or already setting money aside, this unique account rewards you with higher interest rates on lower balances—helping your savings grow faster, right from the beginning.
It's ideal for building an emergency fund, setting short-term goals, or simply making the most of your money without needing a large deposit.
| Balance Requirement | Dividend Rate | APY1 | Alert Me |
|---|---|---|---|
| $0.00 – $2,499.99 | 4.41% | 4.50% | Receive a notification when this rate changes |
| $2,500 – $4,999.99 | 1.24% | 1.25% | Receive a notification when this rate changes |
| $5,000 – $9,999.99 | 0.75% | 0.75% | Receive a notification when this rate changes |
| $10,000 – $24,999.99 | 0.25% | 0.25% | Receive a notification when this rate changes |
| $25,000 + | 0.05% | 0.05% | Receive a notification when this rate changes |
| 1APY = Annual Percentage Yield. APY is accurate as of April 14, 2025, and is subject to change. Members earn 5.00% APY for the first 6 months after account opening. After the 6-month promotional period, the APY will adjust to 4.50%, subject to balance tiers; some tiers may earn the same APY. Dividends are calculated by applying the highest rate based on the balance tier to the entire account balance. Dividends accrue daily and are paid monthly. Fees could reduce earnings on the account. No penalty for withdrawal. Limited to personal accounts; one account per member. Certain conditions and restrictions may apply. Rates and tiers are subject to change without notice. Membership must be completed before account opening. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts | |||
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| Deposit Tiers | Amount | APY† |
|---|---|---|
| $0 - $2499 | $0 | 4.50% |
| $2,500 - $4,999 | $0 | 1.25% |
| $5,000 - $9,999 | $0 | 0.75% |
| $10,000 - $24,999 | $0 | 0.25% |
| $25,000 - $1,000,000 | $0 | 0.05% |
Open a Smart Steps Savings Account
New Members
If you're not yet a Chartway member, click the button below to join and open a Smart Steps Savings Account. Start saving and earning today!
Current Members
It's easy to open a Smart Steps Savings Account and start earning more today.
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