{"rate":{"slug":"openbank-high-yield-savings","bank":"Openbank by Santander","accountName":"High Yield Savings"},"status":"recent","lastVerified":"2026-09-04","officialSource":"https://www.openbank.us/banking/high-yield-savings-account","history":[{"date":"2026-06-09","apy":4.3,"note":"Legacy snapshot; no event-level evidence attached"},{"date":"2026-09-04","apy":3.8,"note":"$500 minimum opening deposit","sourceUrl":"https://www.openbank.us/banking/high-yield-savings-account","sourceLabel":"Openbank High Yield Savings page"}],"verificationEvents":[{"id":"8b08f698-cfa9-498b-9363-2a6d5f8f0bee","entityType":"hysa","slug":"openbank-high-yield-savings","checkedAt":"2026-09-04T00:00:00.000Z","recordedAt":"2026-09-05T01:28:43.402Z","sourceUrl":"https://www.openbank.us/banking/high-yield-savings-account","sourceLabel":"Openbank High Yield Savings page","outcome":"changed","summary":"High Yield Savings APY is 3.80% with a $500 opening minimum","changedFields":["apy","notes","url","rateHistory"],"facts":{"apy":3.8,"minimumOpeningDeposit":500},"previousHash":"37d79824f3c19a511b9d7da59717e7730a206b0a78703e0d23c38d75a45a528a","recordHash":"bbd10a54c05f1163acbe8e26ea417555e9e736831a0219559304ac5128673537"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}