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Bask Interest Savings

Editor reviewed

3.75% APY base, stackable boosts to 4.10%, backed by Texas Capital Bank

Rates verified September 10, 2026
High-Yield Savings
Open account
Tracked since2026
0 reviews tracked

The Bottom Line

APY

3.75%

Biggest pro

Boosted 4.10% is top-tier

Biggest con

Base 3.75% is the real long-run rate

At a glance

Rates verified September 10, 2026
APY
3.75%
APY note
Up to 4.10% with stackable boosts: 0.10% new-customer boost (open by 7/31/26) plus 0.25% activity boost
Minimum deposit
None
Monthly fee
None
FDIC
Via Texas Capital Bank charter, $250k
Institution
Bask Bank (division of Texas Capital Bank)
ATM access
No

How this rate compares

9.9x

the FDIC national savings average of 0.38% (August 17, 2026). On a $10,000 balance that is about $337 more in a year.

Last verified September 10, 2026

We re-verify against the issuer's own page when we refresh this listing, and we stamp that date. We do not claim a daily check.

APYs are variable and can change at any time. The FDIC national average is a floor for what an ordinary savings account pays, not a competitor. Named comparisons use each product's last issuer-page check.

Is it worth it?

$375 a year on a $10,000 balance

At 3.75% APY, $10,000 earns about $375 in the first year, versus roughly $38 at the 0.38% FDIC national average (August 17, 2026). That is about $337 more for moving the same money. APY is variable and shown as of the date above.

What is Bask Interest Savings?

Editorial review
Bask Interest Savings suits savers who want a solid base rate from a real bank and are willing to chase boosts for more. The honest verdict: 3.75% is the real long-run rate; the 4.10% headline requires action and expires. The base rate is 3.75% APY per the official rate sheet dated June 12, 2026, with no minimum deposit, no minimum balance for the rate, and no monthly fee. Stackable boosts take it to 4.10%: a 0.10% new-customer boost for accounts opened by July 31, 2026, plus a 0.25% activity boost (the 4.10% headline was confirmed by Yahoo's daily tracker on July 13, 2026). FDIC insurance runs through the Texas Capital Bank charter to $250,000. A sister Mileage Savings account pays American Airlines miles instead of interest. The catches: no ATM, no checking, no cash access, and the boosted rate reverts to the 3.75% base once the promos lapse.
how we evaluateSourcebaskbank.com ↗

Pros and cons

Pros

  • Boosted 4.10% is top-tier
  • Unique AA-miles alternative account
  • No minimums or monthly fees

Cons

  • Base 3.75% is the real long-run rate
  • Boosts require action and expire
  • No cash access

Key details

3.75% APY base rateStackable boosts to 4.10%: 0.10% new-customer (open by 7/31/26) plus 0.25% activityNo minimums or feesSister Mileage Savings account pays AA miles instead of interestBacked by Texas Capital Bank

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Bask Interest Savings FAQ

What is the current APY on Bask Interest Savings?

The base rate is 3.75% APY per the official rate sheet dated June 12, 2026. Stackable boosts (0.10% new-customer for accounts opened by July 31, 2026, plus a 0.25% activity boost) take it to 4.10%, confirmed by Yahoo's tracker on July 13, 2026.

Is Bask Interest Savings FDIC insured?

Yes, through the Texas Capital Bank charter, insured up to $250,000 per depositor.

What are the minimums and fees?

There is no minimum deposit, no minimum balance requirement, and no monthly fee.

Source: baskbank.com

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