OpenbankTop APYOpenbank Money Market
APY
4.22%
Min. to Open
None required
Monthly Fee
No monthly fee
Welcome Bonus
—
Openbank Money Market
Openbank Money Market
4.22% APY; Santander digital. April 2026.
Our take
Among the strongest MMA rates with a clean digital experience.
Highlights
What we like
Competitive for April 2026
FDIC insured (typical for US banks)
The trade-off
Confirm live rate and offer on issuer site
Is this account right for you?
Answer a few quick questions — we'll match you with the savings accounts that fit your goals and habits.
Full details
Rate & Earnings
| APY | 4.22% |
| APY conditions | Variable |
| Minimum balance for APY | None required |
Fees & Requirements
| Monthly fee | No monthly fee |
| Minimum to open | None required |
Features
| FDIC insured | FDIC insured |
| Mobile app | Mobile app |
| ATM access | ATM access |
Frequently asked questions
What is the current APY on this account?
The current APY is 4.22%. Variable
Is my money protected?
Yes — this account is FDIC insured up to $250,000 per depositor, per institution. Your money is safe even if the bank fails.
How do I access my money?
ATM withdrawals are available. You can transfer funds electronically to a linked checking account, typically within 1–3 business days.
Are there any hidden fees?
This account has no monthly maintenance fee. Always review the full fee schedule for wire transfer, outgoing transfer, or other service fees.
Openbank Money Market