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US Bank Smartly Savings Interest Updates

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ptatohed
Senior Contributor

Re: US Bank Smartly Savings Interest Updates

I guess this explains it @crystal626 

 

3.87% bump.  So, I guess, 0.05% + 3.87% = 3.92%

 

 

 

image.pngimage.png

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 11 of 19
TrapLine
Established Contributor

Re: US Bank Smartly Savings Interest Updates

@ptatohed 

 

You do nice work Roy ... love your interest rate! Smiley LOLHeart

Message 12 of 19
ptatohed
Senior Contributor

Re: US Bank Smartly Savings Interest Updates


@TrapLine wrote:

@ptatohed 

 

You do nice work Roy ... love your interest rate! Smiley LOLHeart


 

I can't explain it TL.  But I'll take it!  Smiley Happy  

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 13 of 19
ptatohed
Senior Contributor

Re: US Bank Smartly Savings Interest Updates

Again, don't ask me to explain it but now my Smartly Savings jumped from 3.92% to 4.00%!

 

Hmmm, ok, maybe it's the same but, before, they were showing me APR (3.92%) which is an APY of 4.00%? 

 

0.05% APR base + 3.87% APR boost = 3.92% APR = 4.00% APY?  :dunno:

 

 

image.pngimage.png      

 

 

 

image.pngimage.png

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 14 of 19
TrapLine
Established Contributor

Re: US Bank Smartly Savings Interest Updates

@ptatohed 

 

Do understand your question or confusion.

 

Trying to figure mine out after you mentioned it and still do not match ... just maybe it ties back to us getting in on the ground floor of the US Bank Smartly program and the ways to figure it that are in the public today, do not tie out. 

 

Just sayin' ... my rationale which may not be right?

Message 15 of 19
ptatohed
Senior Contributor

Re: US Bank Smartly Savings Interest Updates


@TrapLine wrote:

@ptatohed 

 

Do understand your question or confusion.

 

Trying to figure mine out after you mentioned it and still do not match ... just maybe it ties back to us getting in on the ground floor of the US Bank Smartly program and the ways to figure it that are in the public today, do not tie out. 

 

Just sayin' ... my rationale which may not be right?


It is very odd Trap.  If you search, you'll find that the highest they offer right now is 3.50%.  So, why do I have 4.00%?  

 

What is yours?

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
Message 16 of 19
bs1234
Frequent Contributor

Re: US Bank Smartly Savings Interest Updates

Just saw this thread.   A while back I received a letter from US Bank telling me that my smartly rate bump would be removed from my Savings account and would also not be available on any future accounts that I opened.   I don't think I was told what sin caused this, but I didn't really care.   Anyway, checking now it says 3.5% APR "includes Smartly Interest rate bump"   So this month I got 39c!   (Please don't send sad begging letters, it's all mine!)

 

I wonder if it's just a case of their IT systems not being capable of swift changes (somehow they would have to add conditions, "add smartly interest bump if certain balance is ...., UNLESS on naughty list"!

Message 17 of 19
TrapLine
Established Contributor

Re: US Bank Smartly Savings Interest Updates

@ptatohed 

 

Yikes! The website for my US Bank Smartly Savings was changed. What I get shows as 2.25% including the bump. Must have happened in the last couple of days. Will need to monitor the site as I am confused. Smiley Surprised

 

Best to not poke the bear. Just in case US Bank is altering the rules of the game?

Message 18 of 19
crystal626
Valued Contributor

Re: US Bank Smartly Savings Interest Updates


@TrapLine wrote:

Best to not poke the bear. Just in case US Bank is altering the rules of the game?


They ought to call themselves Nerf Bank.

9/1/2026

EX8 787
EQ8 793
TU8 789


19 cards TCL $237,750 ACL $12,513
Message 19 of 19
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