Apple Card Savings Rate Drops Again—What You Need to Know

Apple Card savings APY drops to 3.65%. Find out why rates are falling and how it affects your interest earnings and financial strategy.

Matilda

Apple Card Savings Rate Drops Again—What You Need to Know

Apple Card Savings Interest Rate Drops Again: What It Means for Your Money If you're searching for the latest Apple Card savings account interest rate , you're likely wondering: Is Apple Card still a good high-yield savings option in 2025? As of May 28, Apple has lowered its savings account APY from 3.75% to 3.65% , marking its lowest point since the feature launched. This change impacts users looking to earn more from passive income, daily cash rewards, or a digital savings strategy. Image : Google Originally launched in April 2023 in partnership with Goldman Sachs, the Apple Card savings account was designed to be a user-friendly, high-yield savings solution integrated seamlessly into the Wallet app. With no fees , no minimum deposit , and a $1 million cap , it quickly gained popularity—especially with an initial APY of 4.15% . But as the Federal Reserve continues to adjust benchmark rates, Apple’s APY has steadily declined. For those keeping track, this is the…

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