{"account":{"slug":"openbank-high-yield-savings","bank":"Openbank by Santander","name":"High Yield Savings"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.openbank.us/banking/high-yield-savings-account","history":[{"apy":"3.80% (as of October 2026; exact rate varies by ZIP code)","monthlyFee":"$0","minimumOpen":"$500","date":"2026-10-05","note":"Previously published editorial snapshot; not evidence of the bank’s rate-change date."},{"apy":"Up to 4.35% variable APY with an eligible 0.35-percentage-point boost for six months; standard variable APY currently 4.00%. ZIP-code terms apply; checked October 23, 2026","monthlyFee":"$0","minimumOpen":"$500","date":"2026-10-23","note":"Scoped review replaced the obsolete 3.80% flat-rate claim with current variable standard APY and six-month new-customer boost conditions. Full-record date retained.","sourceUrl":"https://www.openbank.us/banking/high-yield-savings-account","sourceLabel":"Official product terms reviewed October 23, 2026"},{"apy":"Up to 4.35% variable APY with an eligible 0.35-percentage-point boost for six months; standard variable APY currently 4.00%. ZIP-code terms apply; checked November 2, 2026","monthlyFee":"$0","minimumOpen":"$500","date":"2026-11-02","note":"Freshness-rotation reconfirmation: Openbank's page still lists a 4.00% standard APY with a 0.35-point new-customer boost to 4.35%; NerdWallet and Doctor of Credit independently agree on the 4.00% base. The boost offer is listed as valid through November 3, 2026, so confirm eligibility before opening after that date.","sourceUrl":"https://www.openbank.us/banking/high-yield-savings-account","sourceLabel":"Openbank High Yield Savings page, checked November 2, 2026"}],"verificationEvents":[{"id":"38de205a-4729-439f-9ccb-e70b487b807e","entityType":"bank-account","slug":"openbank-high-yield-savings","checkedAt":"2026-10-23T19:51:21.244Z","recordedAt":"2026-10-23T19:51:21.245Z","sourceUrl":"https://www.openbank.us/banking/high-yield-savings-account","sourceLabel":"Official savings product terms; scoped review","outcome":"changed","summary":"Scoped review replaced the obsolete 3.80% flat-rate claim with current variable standard APY and six-month new-customer boost conditions. Full-record date retained.","changedFields":["tagline","apy","features","atm","pros","cons","ourTake","bestFor","termHistory"],"previousHash":"58bd4a1c2df2d495f7acf277fb7abf6cd983f3ac82dd796ac127bb604eb1b40e","recordHash":"bf1ec19130dec2b4187268652a702d460f9193cd97356f099f432d8cb9ee9d20"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}