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Axos One: Earn Up to 4.66% APY on Savings and 0.51% APY on Checking with Qualifying Requirements

+19 Deal Score
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Axos is offering up to 4.66% APY on savings, and 0.51% APY on checking when you meet requirements with Axos One.

Offer Requirements:
  • Option 1
    • Your Axos ONE Checking account has received qualifying direct deposits of at least $1,500 in total.
    • The average daily balance of your Axos ONE Checking account is greater than $1,500.
  • Option 2
    • Your Axos ONE Checking account has received qualifying deposits of at least $5,000 in total.
    • The average daily balance of your Axos ONE Checking account is greater than $5,000.

If both of the requirements in either Option 1 or Option 2 above are met during the Qualification Period:
  • The Axos ONE Checking account will earn a promotional rate of 0.51% APY for the statement cycle in which the requirements are met.
  • The Axos ONE Savings account will earn a promotional rate of up to 4.66% APY for the statement cycle in which the requirements are met.

Details:
  • Earn up to 4.66% APY on savings, and 0.51% APY on checking when you meet requirements.
  • Get your money up to 2 days early. You've earned it, so start earning on it.
  • No monthly maintenance, minimum balance, account opening, or overdraft fees.
  • We've got you covered. Access expanded FDIC Insurance for up to $250 million.
  • Access a network of over 95,000 fee-free ATMs.
  • Manage all your bank accounts from one place in the Axos app.
  • Link external accounts in the app to move your money seamlessly.



*The Annual Percentage Yield (APY) is accurate as of 1/30/2025. The base and promotional interest rate and corresponding APY for Axos ONE Checking is variable and is set at our discretion. The base and promotional interest rate and corresponding APY for Axos ONE Savings is variable and is set at our discretion. Axos ONE Savings is a tiered variable rate account. Axos ONE Checking is a non-tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

The Qualification Period is from the 1st of the month through the 25th of the month. Any qualifying direct deposits received after the 25th of the month will count toward the next Qualification Period.
A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, Disability, etc. Other deposits (i.e., online banking transfers, ATM and mobile check deposits, etc.) or person-to-person payments are not considered a direct deposit.

Qualifying deposits only include deposits from the following eligible sources: (i) ACH transfers from external accounts, (ii) inbound wire transfers from external accounts, (iii) check deposits. Qualifying deposits do not include: (i) transfers internal to the bank (i.e., transfers between an account holder's Checking and/or Savings account), (ii) interest payments, (iii) promotional bonuses, (iv) credits, reversals, and refunds.

Both accounts must be in an open and active status on the date the interest is paid to receive the promotional APY for that statement cycle. Account transactions may take one or more business days from the transaction date to post to the account.


Slickdeals may be compensated by Axos
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Created 11-06-2024 at 10:36 AM by EfficientGame645
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Deal
Score
+19
117,832 Views
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

149 Comments

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Joined Dec 2007
L10: Grand Master
> bubble2 6,002 Posts
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famewolf
02-15-2025 at 12:16 PM.
02-15-2025 at 12:16 PM.
Quote from rdcrds :
you can't google it? easy to find best rates

I don't need to google it. I just go to depositaccounts.com and look it up. I didn't come here to find a rate. I posted one.


If you are still getting 5+% then you previously locked in a rate. The current going rate for savings appears to be 4.5% but even that is subject to change.

Ally's 11 month no penalty cd has dropped from 4% down to 3.75 for "new" cd's.

Even if someone was to google it today it could be totally different two days from now depending on the bank.
1
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Last edited by famewolf February 15, 2025 at 12:23 PM.
Joined Dec 2009
L9: Master
> bubble2 4,917 Posts
506 Reputation
rdcrds
02-15-2025 at 06:29 PM.
02-15-2025 at 06:29 PM.
Quote from famewolf :
I don't need to google it. I just go to depositaccounts.com and look it up. I didn't come here to find a rate. I posted one.


If you are still getting 5+% then you previously locked in a rate. The current going rate for savings appears to be 4.5% but even that is subject to change.

Ally's 11 month no penalty cd has dropped from 4% down to 3.75 for "new" cd's.

Even if someone was to google it today it could be totally different two days from now depending on the bank.
cool you got them removed hoping for rep
Reply
Joined Dec 2015
L3: Novice
> bubble2 167 Posts
30 Reputation
mangonut
02-19-2025 at 04:50 PM.
02-19-2025 at 04:50 PM.
Womp.womp... and pay taxes for that on April 15th
1
Reply
Joined Dec 2006
L5: Journeyman
> bubble2 597 Posts
33 Reputation
caspersdeals
02-19-2025 at 10:14 PM.
02-19-2025 at 10:14 PM.
UFB DIRECT savings account is showing 4.01% with no checking account in case your wondering
Reply
Joined Jan 2023
L2: Beginner
> bubble2 52 Posts
22 Reputation
itsjoemoney
02-19-2025 at 10:21 PM.
02-19-2025 at 10:21 PM.
Quote from FancySofa6464 :
Nice! I was looking for an FDIC insured bank to keep track of a quarter of a billion dollars.

On a single account, it's only $250k insurance, sorry. The administration probably won't gut the FDIC.
Reply
Joined Mar 2021
L4: Apprentice
> bubble2 375 Posts
110 Reputation
FancySofa6464
02-20-2025 at 03:57 AM.
02-20-2025 at 03:57 AM.
Quote from itsjoemoney :
On a single account, it's only $250k insurance, sorry. The administration probably won't gut the FDIC.

There was a typo earlier that's since been fixed, making my attempt at a humorous comment irrelevant.
Reply
Joined Sep 2015
L3: Novice
> bubble2 185 Posts
26 Reputation
bxraze
02-20-2025 at 05:57 AM.
02-20-2025 at 05:57 AM.
Quote from scigenumab :
I am done chasing these. I just do swvxx, vanguard settlement fund, or other similar money market funds. They pay near the top of any bank and the rates float with the bond market rather than a bank's customer acquisition plans.

I just do vusxx through chase
Reply

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Joined May 2006
L6: Expert
> bubble2 1,607 Posts
229 Reputation
ifoundu
02-20-2025 at 07:30 AM.
02-20-2025 at 07:30 AM.
Quote from caspersdeals :
UFB DIRECT savings account is showing 4.01% with no checking account in case your wondering

Just noticed that. What's your recommendation for this? Open a checking and transfer 1500?
Reply
Joined Dec 2007
L10: Grand Master
> bubble2 6,002 Posts
1,725 Reputation
famewolf
02-20-2025 at 08:46 AM.
02-20-2025 at 08:46 AM.
Quote from rdcrds :
cool you got them removed hoping for rep

I'm not sure exactly what you are smoking but you should change blends. Are you now talking to yourself because I didn't report any posts but did note YOURS disappeared.



..and here you are starting things back up AGAIN.

I'm curious...you've been on slickdeals 2 years less than me..and yet have never POSTED a thread which means you've NEVER posted a deal...so is this all you come here for? Sounds like it's you screaming for attention. I retired 20 years ago and lived off my investments...what have you done with YOUR life? Oh and I'm less than 55 years old so do the math. Go back to your mother's basement and let the adults discuss finance.

I came here to help others by posting some good rates, not argue with children.
1
Reply
Last edited by famewolf February 20, 2025 at 09:21 AM.
Joined Nov 2018
L2: Beginner
> bubble2 31 Posts
22 Reputation
SatyamP4833
02-20-2025 at 10:59 AM.
02-20-2025 at 10:59 AM.
Quote from rdcrds :
Everbank is 5% yet its not even listed on this site no idea why has better reviews

How do I get the 5% savings rate?
Reply
Joined Dec 2007
L10: Grand Master
> bubble2 6,002 Posts
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famewolf
02-20-2025 at 11:39 AM.
02-20-2025 at 11:39 AM.
Quote from SatyamP4833 :
How do I get the 5% savings rate?


Honest Answer? Go back in time to November. Best rate is 4.5% for savings nowadays..for example Jenius Bank. Digital division of SMBC Manubank which has been doing banking for 400 years.

https://www.jeniusbank.com/home
Reply
Joined May 2013
Master chief
> bubble2 504 Posts
41 Reputation
Gager
02-20-2025 at 01:39 PM.
02-20-2025 at 01:39 PM.
The app is terrible
Reply
Joined May 2008
L3: Novice
> bubble2 187 Posts
32 Reputation
menger50
02-20-2025 at 03:59 PM.
02-20-2025 at 03:59 PM.
Quote from MrHaney :
Here's what I found today for a search for savings account interest rates. Anybody would like to comment, I would like to hear your opinions.
Pibank 5.5%, NewTek Bank 5.25%,

7 Banks with 5% below:
Varo
Ivy Bank
Lending Club
Fitness Bank
Blue Federal Credit Union
Service Credit Union
Mph
Poppy Bank
I show Everbank at 4.75%

COMMENTS?

Not seeing Pibank is 4.6. Newtek Is 4.45. Where are you seeing 5+?
Reply
Joined Nov 2008
L3: Novice
> bubble2 246 Posts
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djazpurua711
02-20-2025 at 06:01 PM.
02-20-2025 at 06:01 PM.
Quote from rdcrds :
Everbank is 5% yet its not even listed on this site no idea why has better reviews

Cause it's only 4.3% as of today bub
1
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Joined Dec 2007
L10: Grand Master
> bubble2 6,002 Posts
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famewolf
02-20-2025 at 06:51 PM.
02-20-2025 at 06:51 PM.
Best rates can always be found at depositaccounts.com. Here is link for savings... https://www.depositaccounts.com/savings/
Reply
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