EverBank Performance Savings Logo

About EverBank Performance Savings

EverBank Performance Savings is the no-strings workhorse: one of the best uncapped rates available from a real full-service bank, with a contractual promise to stay competitive. The honest verdict: if you want a high sustained rate without hoops, caps, or gimmicks, this is one of the strongest choices on the market. The account pays 3.90% APY on all balances for new accounts as of July 2026, with no minimum deposit, no minimum balance for the rate, and no monthly fee. The bank's Performance promise commits the rate to the top 5% of competitors monthly. Deposits are held directly at EverBank, N.A. (formerly TIAA Bank), Member FDIC, insured to $250,000 per depositor. An ATM card is available with the optional checking account, and a Florida branch network exists. The account is also offered at a 4.15% 90-day guarantee via Raisin per Motley Fool on July 3, 2026. The catches: the advertised APY is for new accounts and by EverBank's own disclosure may not apply to existing ones, and the TIAA-to-EverBank rebrand still confuses some savers.