Your Chime Savings Account earns interest automatically. There’s no minimum balance or time requirement — just save, and your balance can earn interest over time.
The interest you earn can vary each month, based on your balance and how long your money stays in your account. Even small amounts earn interest. Total interest is based on your balance, the length of time funds are held, and the current interest rate (APY), which can change. To learn more, visit Overview of Annual Percentage Yield (APY)
Note: A higher APY may be available to members with Chime+ status who receive qualifying direct deposits.
When is interest paid
Interest is added to your savings on the first day of each month. If you had a balance in your Chime Savings Account the previous month, you’ll see an interest payment deposited at the start of the next month. For example, interest earned in April will appear in your account on May 1.
You can view your interest payments in two ways:
In your Savings Account statement.
In the Chime app under Savings > Transaction history.