Earn 4.15% APY while your money waits
Split savings into named goals, automate a transfer on payday, or lock a fixed rate with a certificate of deposit from 3 to 60 months.
- 4.15%APY on High-Yield Savings
- $0Monthly fee
- 3–60 moCD terms available
Save with less effort
Automation, goals and rate transparency — the three things that actually grow a balance.
Named goals
Create up to 20 goals inside one account and watch each one fill without opening new accounts.
Payday automation
Move a fixed amount or a percentage the moment your direct deposit lands.
Daily compounding
Interest is calculated daily and paid monthly, so the balance works every day.
CD ladders
Stagger three or four terms so a portion matures every few months without a penalty.
Compare ways to save
Rates as of September 8, 2026 and subject to change.
| Feature | High-Yield Savings | Everyday Savings | 12-month CD |
|---|---|---|---|
| Annual percentage yield | 4.15% | 1.60% | 4.30% |
| Minimum to open | $0 | $0 | $1,000 |
| Monthly fee | $0 | $0 | $0 |
| Withdrawals | 6 per cycle | Unlimited | At maturity |
| Early withdrawal | None | None | 90 days of interest |
| Automatic transfers | Yes | Yes | At renewal |
High-Yield Savings
- Annual percentage yield4.15%
- Minimum to open$0
- Monthly fee$0
- Withdrawals6 per cycle
- Early withdrawalNone
- Automatic transfersYes
Everyday Savings
- Annual percentage yield1.60%
- Minimum to open$0
- Monthly fee$0
- WithdrawalsUnlimited
- Early withdrawalNone
- Automatic transfersYes
12-month CD
- Annual percentage yield4.30%
- Minimum to open$1,000
- Monthly fee$0
- WithdrawalsAt maturity
- Early withdrawal90 days of interest
- Automatic transfersAt renewal
Annual percentage yields are accurate as of September 8, 2026. Savings APY is variable and may change after opening; CD rates are fixed for the term. Interest is compounded daily and credited monthly. Fees may reduce earnings. Early withdrawal from a CD incurs a penalty of 90 days of interest on terms of 12 months or less and 180 days on longer terms.
Frequently asked questions
How is the APY calculated?
Interest accrues daily on the collected balance and is credited monthly. The APY assumes interest stays in the account for a full year.
Can I withdraw from a CD early?
Yes, with a penalty of 90 days of interest on terms of 12 months or less, and 180 days on longer terms.
What is a CD ladder?
Splitting a deposit across several terms so part of it matures regularly, giving you access to cash without giving up the longer-term rate.
Is there a limit on goals?
You can run up to 20 named goals inside a single High-Yield Savings account at no extra cost.
Talk to someone
Book 30 minutes with a Evermont banker — in branch, by phone or over video.
How much could you earn?
Run a savings projection with your own deposit and timeline.
Start with one goal
Name it, set a target date and let an automatic transfer do the rest.