High-yield savings for self-employed Americans, 2026

2.5% APY variable, FDIC-insured, no minimum balance — Kronos Savings is built into the same app as your gig earnings tools, debit card, and crypto.

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What makes Kronos the answer

2.5% APY variable

Interest credited monthly via our banking partner FDIC-insured partner banks. No teaser rate that drops after 90 days.

FDIC-insured

Cash balances are FDIC-insured through our banking partner partner banks (Lead Bank) up to the standard ,000 per depositor, per insured bank.

No minimum, no lockup

Move money in and out instantly. No 6-month CDs, no 90-day promo restrictions.

In-app allocation

Route a percent of every Uber/DoorDash deposit straight to Savings via round-ups or a fixed-percent split.

FAQ

Is 2.5% APY good?

As of April 2026, 2.5% APY variable is competitive with other top US neobanks (Varo: up to 5% on first $5k with requirements; Chime: 2.00%; SoFi: 3.80%). Unlike some competitors, Kronos does not require direct deposit to unlock the rate — every dollar in Savings earns.

Is Kronos savings FDIC insured?

Yes. Cash deposits are FDIC-insured via our chartered banking partners up to the standard ,000 limit per depositor, per insured bank.

How is Kronos APY funded?

Kronos partners with our banking partner, whose FDIC-insured partner banks pay interest on pooled deposits. Kronos passes the yield through to users as 2.5% APY.

Are there monthly fees on Kronos savings?

No. The free tier has no monthly account fee. Kronos Pro is $9.99/month and unlocks early direct deposit + zero-fee crypto in addition to savings.

Built for the way you actually get paid.

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