Banking

¹ Based on a January 15, 2015 review of competitor rates and APYs.

² Advertised Interest Rate and Annual Percentage Yield (APY) and Interest Rate for the Money Market are based on your account balance, are variable, and may change after opening. Rates are accurate as of . The ongoing APYs and Interest Rates associated with different account balances are: If your daily balance is more than $0 but less than $2,500 the interest rate paid on the entire balance in your account will be % with an annual percentage yield of %. If your daily balance is $2,500 or more but less than $10,000 the interest rate paid on the entire balance in your account will be % with an annual percentage yield of %. If your daily balance is $10,000 or more but less than $25,000 the interest rate paid on the entire balance in your account will be % with an annual percentage yield of %. If your daily balance is $25,000 or more but less than $50,000 the interest rate paid on the entire balance in your account will be % with an annual percentage yield of %. If your daily balance is $50,000 or more the interest rate paid on the entire balance in your account will be % with an annual percentage yield of %. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

³ Advertised Annual Percentage Yield for the High-Yield Savings Account may change after opening, applies to personal accounts only, and is accurate as of . Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

⁴ Advertised Annual Percentage Yield for Certificates of Deposit may change after maturity, applies to personal accounts only, and is accurate as of . A penalty may be charged for early withdrawal. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

⁵ Federal Regulation D limits certain types of withdrawal and transfer transactions you can make from your Sallie Mae Savings or Money Market accounts to a maximum of six per monthly statement period per account. An Excessive Transaction Fee applies for each transaction that exceeds the limit, but no more than seven excessive transaction fees will be charged per month. Please refer to the Account Terms and Conditions Agreement for details.

⁶ To be eligible for the 10% annual match on your Upromise earnings from Upromise, you must link your High Yield Savings Account (HYSA) to your Upromise Account and, within 90 days of opening your HYSA, either: 1. Set up an Automatic Savings Plan with a monthly deposit of $25 or more ("ASP"), or 2. Fund your HYSA account with $5,000 or more. Should you fail to meet the requirements during a calendar year, you will have the opportunity to become eligible for the 10% match in additional years if, by January 1, you (a) link your HYSA to your Upromise Account, and (b), you either meet the $5,000 minimum funding requirement beginning January 1, or you meet the ASP requirement each month of the year. If you qualify for the 10% match based on having the minimum balance of $5,000 in your HYSA, you must maintain that minimum balance in your HYSA for the duration of the calendar year for which your earnings will be matched. Once you complete the steps above, Upromise will match 10% of your Upromise earnings posted as ”funded” to your Upromise Account during each calendar year. Your match will be deposited into your HYSA in February in the year after you have linked and funded your account as described above, provided that both accounts remain active and are in good standing at time of transfer. Visit the FAQs to learn more. Upromise may change or terminate the 10% annual match offer at any time without notice.  Other terms and conditions may apply. Upromise accounts are not FDIC insured, carry no bank guarantee and may lose value.

Deposit products are offered through Sallie Mae Bank, Member FDIC.

Sallie Mae, Sallie Mae Bank and the Sallie Mae logo are service marks or registered service marks of Sallie Mae Bank or its subsidiaries.

Upromise and the Upromise logo are registered service marks of Upromise, Inc.

WE RESERVE THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.