How APY Is Calculated

Understand how Annual Percentage Yield works, how Holdings calculates interest on your checking accounts, and how compounding grows your balance.

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Explore Holdings

Zero-fee checking with 1.75% APY, FDIC insured to $3M.

Earn 1.75% APY on every dollar. No minimums.

Extended FDIC insurance through partner bank network.

Transparent pricing with zero hidden fees.