Happen Bank

FDIC-insured · certificate 32551

Savings, checking and CDs, with every rate from Happen Bank’s own pages and every rank against the accounts we track.

Checked Nov 8, 2026Updated Nov 8, 2026

Every account we track

Accounts and rates

A year on $10,000, after fees

Happen LevelUp SavingsSavings account · no minimum to open4.20%$300None

Happen Founder SavingsSavings account · $100 to open3.35%$335Not stated

Happen High-Yield SavingsSavings account · $100 to open3.30%$330None

Against 1043 checking accounts

Happen Tailored CheckingChecking account · $100 to open0.25%#13$10 a month

Happen LevelUp CheckingChecking account · no minimum to open1.00%#91None

$500 to open

6 months4.40%#6 of 143

8 months3.50%—

10 months3.50%—

11 months4.65%—

1 year3.50%#93 of 176

14 months3.50%—

18 months3.50%#61 of 107

2 years · Happen Bank’s best4.76%#6 of 134

3 years3.45%#39 of 98

5 years3.40%#40 of 98

A dash: a term we don’t rank. Also at Happen Bank: Consumer Certificate of Deposit, up to 4.76%. All Happen Bank CDs

Against the market

Where each ranked account sits on our list for its kind. Further right is higher on the list.

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.