Say hello to the new high-yield savings rate

Spruce customers can now earn 3.50% APY on their Savings Account with no minimum balance requirements! Opt in online or through the app after you sign up.

Spruce app with saving goals and interest

^For illustrative purposes only.


Grow savings with a high-yield rate

Put your Spruce Savings Account to work and earn 3.50% APY. Complete the requirement to opt in and start earning now.

Interest money received on Spruce

^FDIC average national savings rate as of 03/28/2024 here.


Save now.
Sigh of relief later.

Create a custom saving goal to put money away for an emergency or the things you really want.


Make saving money automatic

Set up automatic transfers to your Extra Saving or Saving Goals for however much you want, as often as you please. You’ll be saving money without even thinking about it.

automatically transfer money to your savings goals


Round up and save those extra cents

When you turn on Round Up, we’ll automatically round up your Spruce debit card purchases to the next dollar and deposit the change into your Spruce Extra Saving.

spruce app showing roundup feature
automatic cash back rewards


Make money when you spend money.

Get automatic cash back rewards to put back into savings when you shop from select retailers you know and love.

Feel secure about your savings.

When you use Spruce to save your money, those funds are FDIC insured up to the maximum amount permitted by law.

FDIC insured up to $250,000
savings goal calculator

Set your sights on successful saving.

Use our Saving Goal calculator to see just how soon you could reach your financial goals when you start saving regularly.

Want to learn more?

Visit the resource center for money tips and financial knowledge.


A savings account is a bank account separate from your checking or spending account that you can deposit money to hold onto for use for later.

With Spruce, you get an Extra Saving account where you can create automatic savings transfers and receive proceeds from Round Up and cash back rewards.

Round Up is an easy, automatic way to increase your savings — with no extra effort required. When you turn Round Up on in your Spruce account, each time a Spruce debit card transaction for a purchase or ATM withdrawal settles, we’ll round the transaction up to the nearest whole dollar amount and transfer the difference into your Extra Saving account. Just think of it as saving in autopilot — super easy saving in small amounts that add up over time!

For example, when your grocery purchase with your debit card for $19.49 settles, we will transfer $.51 to your Extra Saving account.

Also, if you make an out-of-network ATM withdrawal, you may get a Round Up. For instance, if you make a $20 withdrawal, in addition to the out-of-network $3 fee, the ATM owner charges you $2.50, when the transaction settles, you’ll see a $.50 Round Up transfer to your Extra Saving.

Tip: You’ll know a transaction is settled when you see it in your transaction history, and it’s no longer listed as Pending.

To access your savings in the Spruce app, sign into your account and tap the Saving tab.

To access your savings from desktop, sign into your account and click the Saving tab.

To then withdraw money from your savings account, you will need to transfer it to your spending account.

Spruce fintech platform is built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts established at, and debit card issued by, Pathward®, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

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