What interest rates are offered for Aspiration Save?

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Aspiration Save accounts can earn up to 2.00% annual percentage yield (APY) in interest. There are two ways to qualify for the 2.00% APY rate on your entire Aspiration Save account’s balance during any particular month:

• Make at least one deposit* of at least $1.00 into an Aspiration Spend or Aspiration Save account, or at least one $1.00 investment into any investment account from a linked, external bank account, or
• Have an end of day Save balance of $10,000.00 or higher for at least one day per month.

If you do not qualify for the 2.00% APY rate during a particular month, you will not earn any interest that month, so make saving at least $1.00 per month a habit!

Interest for Aspiration Save is calculated daily, and compounds monthly. Interest is calculated based on the end of day balance, and deposited into accounts once a month, on the first business day of the month. The interest added to your total balance on a monthly basis is then considered part of your balance for future daily interest calculations, so it compounds monthly.


* Eligible deposits include ACH transfers into Aspiration Spend and Aspiration Save accounts from external bank accounts, transfers from money-transfer apps, incoming wire transfers, check deposits, and direct deposits.

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