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Here’s how it works


Connect your direct deposit

We make it easy to move your direct deposit in just a few clicks – the simplest way to grow your balance is to start today.


Keep track of your spending

Do you know how much you actually save? We'll help you understand your habits more clearly than ever.


Build your Interest up to 3% APY

You’ll start at 1.00% APY and begin working towards even better interest rates that match your habits.*

Tier 1

Tier 1

3.00% APY

Saving at least 20%

Tier 2

2.00% APY

Saving at least 15%

Tier 3

1.00% APY

Saving at least 10%

Tier 4

0.5% APY

Saving at least 5%

Savings Tiers are subject to change. Please see our Terms and Conditions..

Earn a better interest rate with Savings Tiers

Not all savers are created equal, so we reward based on your habits. Earn up to 3% APY* – the best in the industry1 .

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Simplify your banking with one account

Your money lives in one, simple account – and all of it earns interest. Put all your money to work and organize it however you like.

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Keep tabs on your goals by making a Plan

Set up a savings goal in just a few clicks and start saving for your future with Plans.

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Ready to start saving more?

Open an HMBradley account today, and set your sights on 3% APY.*

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