Rate updated · 103 banks tracked
Chime savings account rate: 0.75% APY
Chime pays 0.75% on its savings account — ranking in the lower half of the 103 banks SwitchWize tracks, where the best available rate is 4.28%. (Updated August 1, 2026.)
Is Chime a good savings rate? Not really. At 0.75% it trails the 4.28% best available rate, leaving about $883 a year on the table on a $25,000 balance.
The gap, in your dollars
At 0.75%, $25,000 earns $188/yr here versus $1,071/yr at the field leader — a $883/yr difference.
See your exact number →Higher-paying alternatives we track
Rates subject to change. Verify before switching.
Frequently asked questions
What is Chime's savings account interest rate?▾
Chime pays 0.75% APY on its savings account as of August 1, 2026, based on rates SwitchWize tracks across 103 banks.
Is Chime's savings rate good?▾
Chime's 0.75% ranks in the lower half of tracked banks. The best available rate is 4.28% and the FDIC national average is 0.38%.
Which banks pay more than Chime?▾
Higher-paying tracked options include first internet bank, emigrant bank, goldwater. Compare rates at /banks to find the best current option.
General information only. Rates change frequently; verify directly with the institution before making financial decisions. SwitchWize is not a bank and does not provide financial advice.