FDIC-Insured - Backed by the full faith and credit of the U.S. Government
High-Yield Online Savings Account
3.35% APY*
With our great rate, when was the last time your money worked this hard for you?
Account Summary
- A FNBO Direct High-Yield Online Savings Account has no monthly fees or minimum balance requirements, you can even open an account with as little as $1.
- Get access to your money anytime and save with the confidence of first-class online security. Plus, with easy transfer options, send money to and from your accounts easily.
Additional Features
Mobile Banking
Safely and securely access your FNBO Direct accounts anywhere, anytime with our mobile app.
Direct Deposit
Don't forget to pay yourself first with recurring deposits into your Online Savings Account!
Online Savings Account Rates
High-Yield Online Savings Account
Annual Percentage Yield (APY) as of 04-10-2025
APY* - 3.35%
Interest Rate - 3.30%
Minimum Deposit to Open - $1.00
Minimum Balance for APY - $0.01
* FNBO Direct High-Yield Online Savings Account Annual Percentage Yield is accurate as of 04-10-2025 and is subject to change after that date. Rates may also change after the account is opened. Fees may reduce earnings. Minimum deposit to open an account is $1.00. See the Disclosures for additional information and limitations.