The annual percentage yield for Apple's Apple Card Savings Account increased to 3.5% on September 23, 2026, up from 3.4%. The change gives account holders a slightly higher return on money kept in the account.

At the new rate, a $1,000 deposit would earn $35 in interest over one year if the account holder made no withdrawals. Under the previous 3.4% APY, the same balance would have earned $34 over that period, making the difference $1 on a $1,000 balance.

What changed for Apple Card savings

The rate moved up by 0.1 percentage points. The new 3.5% figure is the current APY listed for the Apple Card Savings Account, while the previous rate was 3.4%.

The increase applies to the account's stated annual percentage yield rather than changing the amount initially deposited. As a result, the practical benefit depends on how much money a customer keeps in the account and how long it remains there.

How much interest 3.5% provides

Apple's example shows the effect using a $1,000 balance and a one-year period. With no withdrawals, that balance would produce $35 in interest at the current APY.

  • $1,000 at 3.5% earns $35 over one year.
  • $1,000 at the former 3.4% rate earned $34 over one year.
  • The rate increase adds $1 over a year on that example balance.

Those figures are based on the stated assumption that the deposit remains at $1,000 and no withdrawals are made. Larger balances would produce a proportionally larger dollar difference under the same simple comparison, while smaller balances would produce a smaller one.

Why the rate change matters

The adjustment is modest, but it increases the return available through the Apple Card Savings Account without requiring a customer to change the example deposit. For savers comparing accounts, the updated 3.5% APY is the figure to use when estimating a one-year return.

The available information identifies the new APY and illustrates its effect with a $1,000 balance. It does not provide additional details about other account terms or whether further rate changes are planned. Customers considering the account should check Apple's savings account page for the current rate and account information.