Accordia Bank is offering a 5.00% APY on its high-yield savings account

New name, same bank — plus a higher rate for some savers.

Formerly known as CCBank, Accordia Bank has rebranded and is celebrating with a limited-time "Rebrand Boost" on its high-yield savings account. Through Jan. 31, 2027, Utah residents can earn a combined 5.00% APY, which is made up of a 4.00% variable base rate and a 1.00% boost. That's an especially attractive rate at a time when savings yields have been trending lower following the Fed's rate cuts.

And if you live outside Utah, there's still a reason to take a look: The account earns a competitive 4.00% APY without the boost.

Here's how the account works, who qualifies for the bonus rate and how Accord stacks up against other top savings options.

Accordia Bank High-Yield Savings offers the following rate structure, at the time of writing this article:

• Utah residents: 5.00% APY (4.00% variable base + 1.00% Rebrand Boost, through Jan. 31, 2027)
• Non-Utah residents: 4.00% APY (variable)

The Rebrand Boost applies to balances up to and including $500,000; any amount above that earns the standard 4.00% rate. You only need a $100 minimum deposit to open the Accordia high-yield savings account, and you don't need a minimum balance afterward to keep earning interest. There are no monthly maintenance fees.

Withdrawals are capped at six free per statement cycle (via check, debit card, phone or online/mobile transfer) and each additional withdrawal costs $5 each. You can make an unlimited number of withdrawals from your account in person or at an ATM.

You can deposit up to $2,500 online and add funds whenever by transferring from another bank account.

Accordia's rate is competitive, especially for Utah residents who qualify for the full 5.00% APY. Still, if you're looking to get more from your account, it's worth exploring other options that may offer even greater value.

SoFi's Checking and Savings combines savings with a no-fee checking account, making it a convenient alternative to Accordia if you want to manage your everyday spending and savings in one place. It also offers a cash bonus for qualifying customers. The tradeoff is that you'll need a qualifying direct deposit to earn SoFi's top rate.

EverBank's Performance Savings rounds things out with a competitive APY and no minimum deposit, making it an easier option if you'd rather not commit the $100 upfront like Accordia requires.

Happen Bank's LevelUp Savings offers a strong APY along with a debit/ATM card tied directly to the savings account, giving you more convenient access to your money than most savings accounts. Happen Bank also provides unlimited reimbursements for out-of-network ATM fees. The tradeoff is that you'll need to deposit at least $250 each statement cycle to earn the top rate, while Accordia has no ongoing deposit requirement once the account is open.

Marcus by Goldman Sachs Online Savings Account also offers a respectable APY, with no limit on the number of withdrawals or transfers you can make. That gives you more flexibility than Accordia's six-withdrawal cap, especially if you expect to access your savings regularly.

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*New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 5/15/2026 and will be available through 12/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC. SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 0.80% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 9/23/26. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. *SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC's regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks. Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 9/23/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet Earn up to 4.20% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.30% APY as of 9/23/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#4. SoFi Bank, N.A. Member FDIC.