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Savings and money market accounts

Product name Minumum
balance to open account
Balance
required to obtain APY
Interest
rate
Percentage Yield (APY)

Money Market Account
Open an account

$0

$0

1.29%

1.30% APY

Upromise GoalSaver Account
Open an account

$0

$0

0.85%

0.85% APY

SmartyPig Account
Open an account

$0

$0.01 – $2,500

1.04%

1.05% APY

$0

$2,500.01 – $10,000

1.04%

1.05% APY

$0

$10,000.01 – $50,000

1.14%

1.15% APY

$0

$50,000.01+

1.14%

1.15% APY

High-Yield Savings Account
Open an account

$0

$0

1.00%

1.00% APY

Certificates of deposit (CDs)

Open a CD
Term Minimum
balance to open account
Balance
required to obtain APY
Interest
rate
Annual
Percentage Yield (APY)

6 months

$2,500

$2,500

0.60%

0.60% APY

9 months

$2,500

$2,500

0.95%

0.95% APY

11 months

$2,500

$2,500

1.17%

1.18% APY

12 months

$2,500

$2,500

1.69%

1.70% APY

13 months

$2,500

$2,500

1.31%

1.32% APY

15 months

$2,500

$2,500

1.35%

1.36% APY

18 months

$2,500

$2,500

1.42%

1.43% APY

24 months

$2,500

$2,500

1.73%

1.75% APY

30 months

$2,500

$2,500

1.67%

1.68% APY

36 months

$2,500

$2,500

1.88%

1.90% APY

60 months

$2,500

$2,500

2.32%

2.35% APY

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

Advertised Interest Rate and Annual Percentage Yield (APY) for the Sallie Mae Money Market Account are variable and may change after account opening, apply to personal accounts only, and are accurate as of 11/17/2017. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

Advertised Interest Rate and Annual Percentage Yield (APY) for the Upromise GoalSaver Account are variable and may change after account opening, apply to personal accounts only, and are accurate as of 10/27/2017. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

Advertised Interest Rates and Annual Percentage Yields (APY) for the SmartyPig Account are variable and may change after account opening, are based on your account balance, apply to personal accounts only, and are accurate as of 10/27/2017. The ongoing APYs and Interest Rates associated with different account balances are: If your daily balance is more than $0 but $2,500 or less the interest rate paid on the entire balance in your account will be 1.04% with an annual percentage yield of 1.05%. If your daily balance is more than $2,500 but $10,000 or less the interest rate paid on the entire balance in your account will be 1.04% with an annual percentage yield of 1.05%. If your daily balance is more than $10,000 but $50,000 or less the interest rate paid on the entire balance in your account will be 1.14% with an annual percentage yield of 1.15%. If your daily balance is more than $50,000 the interest rate paid on the entire balance in your account will be 1.14% with an annual percentage yield of 1.15%. Please refer to the SmartyPig Account Terms and Conditions Agreement for details.

Advertised Interest Rate and Annual Percentage Yield (APY) for the Sallie Mae High-Yield Savings Account are variable and may change after account opening, and are accurate as of 11/17/2017. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

Advertised Interest Rate and Annual Percentage Yield (APY) for Certificates of Deposit may change after maturity, apply to personal accounts only, and are accurate as of 11/17/2017. A penalty may be charged for early withdrawal. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

SALLIE MAE RESERVES 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.