Earning 3.35% APY

How do I earn 3.35% Annual Percentage Yield (APY)?#

You can qualify for 3.35% Annual Percentage Yield (APY) on total Savings balances up to $250,000 in two ways:

• Receive at least $500 in eligible direct deposits each month

• Have a total account balance of $5,000+ at the end of the previous month

If you do not meet either of the criteria above, you can still earn 3.35% APY on balances up to $250,000 in your Pay Autosave pocket or @Work Save.

In all instances, 3.35% APY is limited to an aggregate Savings balance of up to $250,000. Any Savings balances that do not qualify for 3.35% APY will earn 1.00% APY. APYs are as of 10/07/25 but are variable and may change at any time before or after account opening. Fees may reduce earnings on this account.

What is Annual Percentage Yield (APY)?#

Annual Percentage Yield (APY) is the interest you can earn on your Savings balance over the course of a year. APY is expressed as a percentage based on the compound interest you earn on the dollar amount in your account. This amount is calculated daily and added to your account on the first of the month.

You can tap here to see your APY in the OnePay app.

Does Annual Percentage Yield (APY) Change? What causes it to change?#

Annual Percentage Yield (APY) may change at any time before or after account opening. The APY on bank accounts is variable, meaning it can increase or decrease depending on factors like economic conditions, inflation, and interest rates.

You can tap here to see your current APY.

How do you calculate Annual Percentage Yield (APY)?#

We use the daily balance method which means that interest earned on your Savings balances accrues daily and is posted to your OnePay Cash account monthly.

How can I see how much interest I've earned?#

• How can I see how much interest I’ve earned?

• Tap Discover (globe icon) in the OnePay app

• At the top of the screen, you can see your total earnings

• Tap all the ways you've saved, to see a breakdown of your earnings, which includes your interest earned

You can tap here to view more details in your statement.