MySavingsDirect Savings (HYSA) Rate History (2015–2026)
RateBrain has recorded 23 rate changes for MySavingsDirect's savings account since April 26, 2015. Its highest rate was 4.35% (Dec 2022) and its lowest 0.55% (Sep 2020). It pays 3.35% APY today, last changed on September 24, 2026. That is down 1.00 percentage points from a year ago.
Current MySavingsDirect savings account rate »MySavingsDirect rate history »Savings rate history »
Rate history chart
Now 3.35% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.35% | 3.35% | 3.35% | 1 |
| 2025 | 4.35% | 4.35% | 4.35% | 0 |
| 2024 | 4.35% | 4.35% | 4.35% | 0 |
| 2023 | 4.35% | 4.35% | 4.35% | 0 |
| 2022 | 4.35% | 0.55% | 4.35% | 1 |
| 2021 | 0.55% | 0.55% | 0.55% | 0 |
| 2020 | 1.90% | 0.55% | 0.55% | 8 |
| 2019 | 2.40% | 1.90% | 1.90% | 4 |
| 2018 | 2.40% | 1.00% | 2.40% | 3 |
| 2017 | 1.00% | 0.85% | 1.00% | 1 |
| 2016 | 1.00% | 0.85% | 0.85% | 1 |
| 2015 | 1.25% | 1.00% | 1.00% | 4 |
All 23 rate changes
| Date | APY | Change |
|---|---|---|
| September 24, 2026 | 3.35% | −1.00 |
| December 25, 2022 | 4.35% | +3.80 |
| September 21, 2020 | 0.55% | −0.10 |
| July 29, 2020 | 0.65% | −0.10 |
| July 7, 2020 | 0.75% | −0.10 |
| June 9, 2020 | 0.85% | −0.15 |
| March 18, 2020 | 1.00% | −0.60 |
| March 13, 2020 | 1.60% | −0.10 |
| March 6, 2020 | 1.70% | −0.10 |
| January 9, 2020 | 1.80% | −0.10 |
| December 3, 2019 | 1.90% | −0.10 |
| November 6, 2019 | 2.00% | −0.10 |
| October 6, 2019 | 2.10% | −0.15 |
| September 16, 2019 | 2.25% | −0.15 |
| December 14, 2018 | 2.40% | +0.05 |
| November 26, 2018 | 2.35% | +0.10 |
| September 10, 2018 | 2.25% | +1.25 |
| July 6, 2017 | 1.00% | +0.15 |
| August 10, 2016 | 0.85% | −0.15 |
| December 28, 2015 | 1.00% | −0.10 |
| September 14, 2015 | 1.10% | −0.15 |
| June 9, 2015 | 1.25% | +0.20 |
| April 26, 2015 | 1.05% | first tracked |
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.