Welcome to SmartyPig on Sallie Mae. While our site has moved, your account and login experience are the same.

Savings built around your goals

Q: How do I fund my SmartyPig Account?

To fund your SmartyPig Account, you can link an external bank account and make deposits manually or set up scheduled, recurring deposits. You can also set up a direct deposit with your employer and have a percentage of your paycheck deposited into your account.

Q: Are there any monthly maintenance fees associated with my SmartyPig Account?

There are no monthly maintenance fees, minimum balance, or minimum deposit required with a SmartyPig Account. Please refer to the Terms and Conditions Agreement for additional information.

Q: How do I contact Customer Support about my SmartyPig Account?

For help or additional SmartyPig Account questions, please contact our Customer Support Team by calling (877) 751-6884 Monday-Friday, 9AM to 6PM ET or via secure messaging by logging into your account.

Earn 6X the national average^{footnote 1} with a 3.40% APY^{footnote 2} by opening a SmartyPig^® Savings Account

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Make more from your savings

A competitive rate—no matter your balance.

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SmartyPig

3.40% APY^{footnote 2}

What is a SmartyPig Account?

A SmartyPig Account is a goal-based savings account designed to give you the benefits of a high-yield savings account while helping you plan and achieve your goals.

With competitive APYs, no monthly fees, and the ability to create individual goals tailored to your financial journey, SmartyPig is here to help you save for it all.

Whether you're saving for a vacation, a new car, an emergency fund, or a down payment on your first home, no goal is too big or too small. Simply set your goal, link your funding source, schedule recurring deposits, and watch your savings grow.

How SmartyPig can help you hit your savings goals

Earn at a higher rate

Earn more on your money with SmartyPig’s competitive APY.

FDIC-insured

Relax knowing that your deposits are protected by the FDIC up to the legal coverage limit.

No monthly fees

No fees to join, save, or withdraw.

Savings built for your goals

Set custom goals tailored to your savings needs.

See what sets SmartyPig apart

How does a SmartyPig account compare to a traditional savings account?

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SmartyPig	Traditional savings account
Competitive APYs Earn 6X more than the national average^{footnote 1} with a 3.40% APY^{footnote 2}	Lower earning potential Lower rates mean less interest earned and slower savings growth
Goal-based saving Save with a specific purpose in mind and create goals for your financial needs	General saving Save for everyday needs without setting a specific savings goal
Organized, automated saving View your savings by goal and contribute with automatic deposits biweekly or monthly	Single savings balance Save toward multiple needs in one account without managing separate goals
Track your progress Set timelines, stay motivated with reminders, and celebrate milestones along the way	Limited progress tracking Traditional savings accounts may not provide goal-tracking tools to help keep you motivated

Save stress free. You’re FDIC-insured.

Your deposits are protected—up to $250,000 in coverage for each depositor, insured bank, and ownership category.
You’re covered automatically—no action needed.

New homeowners standing in front of new house.

Save stress free. You’re FDIC-insured.

Your deposits are protected—up to $250,000 in coverage for each depositor, insured bank, and ownership category.
You’re covered automatically—no action needed.

Young adult looking back while confidently walking down street.

Ready to start saving for your goals? Here’s how

1. Set up your account

Complete a quick, secure registration. Have your mobile phone, Social Security number, and ID ready to start saving.

2. Create your savings goals

Set clear goals and track your progress easily with SmartyPig.

3. Link your funding source

Link your funding source and automate your savings with monthly or biweekly deposits.

4. Transfer any time

Enjoy flexible savings—transfer funds whenever you need with no monthly fees.

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FAQs

Have other questions? We’re here to help.
1-877-346-2756

What is a SmartyPig Account?

What are the benefits of a SmartyPig Account?

A SmartyPig Account lets you track multiple short- and long-term goals at once. You can also make automatic or manual deposits and earn more on your savings with a competitive interest rate. The SmartyPig mobile app also gives you on-the-go access to your savings. With no monthly fees and FDIC insurance, a SmartyPig Account is a safe place to grow your savings.

How do I fund my SmartyPig Account?

Is my money safe with a SmartyPig Account?

Yes! All Sallie Mae savings accounts, including SmartyPig, are FDIC-insured. Funds deposited in an Account—and any other account(s) you hold at Sallie Mae Bank—are insured by the Federal Deposit Insurance Corporation (“FDIC”) up to the applicable coverage limit. The amount of insurance coverage available to you depends on the number of Accounts you have with us and the ownership of those Accounts. For additional information, click here.

Are there any monthly maintenance fees associated with my SmartyPig Account?

What is the SmartyPig Account routing/ABA number?

Once I reach my goal, how do I get the money?

Congratulations on reaching your goal! Withdrawing is easy. Simply initiate a transfer from your savings goal and as long as the funds are available, they will be transferred back to your external funding source. If you’ve set up recurring or scheduled transactions and your last transaction exceeds the savings goal amount, we will only transfer the remaining amount needed to reach the goal. After you’ve reached a savings goal, automatic contributions will stop being allocated to that savings goal (regardless of the savings goal end date).

How do I contact Customer Support about my SmartyPig Account?

Check out more ways to save

Sallie Mae^® High-Yield Savings Account

4.00% ^{APY^{footnote 3}}

Save more with a competitive interest rate and no monthly maintenance fees. (Compounded daily, paid monthly)

Access your money anytime
No minimum deposit & free transfers

Open an account

Learn more

Sallie Mae^® Certificates of Deposit

Up to 5.00% ^{APY^{footnote 4}}

Lock in a fixed rate and APY for guaranteed returns.

Multiple CD terms to choose from
$2,500 minimum deposit

Open an account

Learn more

Sallie Mae^® Money Market Account

3.60% ^{APY^{footnote 5}}

Save faster with a higher interest rate and no monthly maintenance fees. (Compounded daily, paid monthly)

Access your money & write checks
No minimum deposit & free transfers

Open an account

Learn more

footnote 1. The national average comparison is based on the national average interest rate for Savings deposit products, as published in the FDIC National Rates and Rate Caps on FDIC.gov. As of September 2026, the national average Savings rate is 0.37% APY. Rates are accurate as of September 21, 2026. Source: FDIC National Rates and Rate Caps (fdic.gov). [fdic.gov], [fred.stlouisfed.org]

footnote 2. Advertised Interest Rates and Annual Percentage Yields (APY) for the SmartyPig Account are variable and may change after account opening, are based on your aggregate account balance on all your SmartyPig goals (including your Primary Account) plus your month to date accrued interest which may not have yet posted to your account, apply to personal accounts only, and are accurate as of 11/04/2026. 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 3.34% with an annual percentage yield of 3.40%. 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 3.34% with an annual percentage yield of 3.40%. 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 3.34% with an annual percentage yield of 3.40%. If your daily balance is more than $50,000 the interest rate paid on the entire balance in your account will be 3.34% with an annual percentage yield of 3.40%. Please refer to the SmartyPig Account Terms and Conditions Agreement for details.

footnote 3. Advertised Annual Percentage Yield (APY) for the Sallie Mae High-Yield Savings Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/04/2026. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

footnote 4. Advertised Interest Rate and Annual Percentage Yield (APY) for Certificates of Deposit may change after maturity, applies to personal accounts only, and are accurate as of 11/04/2026. A penalty may be charged for early withdrawal. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

footnote 5. Annual Percentage Yield (APY) for the Sallie Mae Money Market Account is variable and may change after account opening, applies to personal accounts only, and is accurate as of 11/04/2026. Fees could reduce earnings. Please refer to the Account Terms and Conditions Agreement for details.

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

footnote Sallie Mae compensates partners for their referral of banking customers.

footnote 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.