Apple Sweetens the Deal: Exclusive Low-Interest Rate Alert for Apple Card Savvy Users

Key Points:

• Apple has lowered the interest rate for its Apple Card Savings Account to 3.75% APY, down from 3.9% APY.
• This marks the first APY cut of 2025, following an industry trend of falling interest rates.
• The Apple Card Savings Account interest rate has been subject to frequent changes since its introduction in April 2023, with most cuts in response to Federal Funds Rate changes.

As a tech journalist, I’m excited to report that Apple has made another move to adjust its Apple Card Savings Account interest rate. Just like the market, Apple is responding to industry trends, and this latest drop marks the first APY cut of 2025.

Here’s a quick recap of the Apple Card interest rate history: the account was introduced in April 2023 with a 4.15% APY, and then saw a series of increases to 4.25%, 4.35%, and 4.5% throughout 2023 and early 2024. However, as the Federal Reserve cut rates, Apple responded with a series of interest rate cuts, which have continued throughout 2024 and now into 2025.

This latest cut brings the interest rate down to 3.75% APY, a level we saw back in December 2024. While it’s not the highest rate around, it’s still a competitive offering for those with the Apple Card.

If you’re an Apple Card member, it’s a good idea to review your account and consider your options. You might be able to find a better deals on other savings accounts or high-yield savings accounts.

For those of you using the Apple Card Savings Account, I’d love to hear from you in the comments – do you like the move, or are you looking for better options? In the meantime, I’ll be keeping an eye on Apple’s future moves, so stay tuned for more updates!

Actionable tip: Check out some of my favorite Apple accessories on Amazon, from cases to earbuds, and upgrade your Apple ecosystem experience.

Don’t forget to check out some new iPhone Tutorials.