Only select new Set & Save members have been chosen for this promotion. If you see “4% savings bonus” on your Set & Save tab, you are eligible. Sign up for notifications in the app to hear about upcoming promotions and offers.

Earn a 4% savings bonus during your first 3 months

Q: Who is eligible?

Only select new Set &amp; Save members have been chosen for this promotion. If you see “4% savings bonus” on your Set &amp; Save tab, you are eligible. Sign up for notifications in the app to hear about upcoming promotions and offers.

Q: What counts toward the savings bonus?

Eligible balance is your settled, positive Set &amp; Save balance at the end of each day, up to $10,000. Savings bonus is calculated at a 4.00% annual rate. Pending amounts, returned transfers, reversals, and amounts over $10,000 do not qualify until applicable funds are posted.

Q: Are my savings safe?

Yes. Set &amp; Save deposits are eligible for FDIC insurance on a pass-through basis up to $250,000.

Keep saving with Set & Save, and we’ll calculate a one-time bonus on your eligible daily balance, up to $10,000. Select members are automatically enrolled.

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See terms

A welcome boost
Earn more than 10x

the national savings rate

Your savings bonus

Earn 4% on eligible balances

Earning period
Your first three months of membership

How it works

1

Build your savings

Automatically earn 4% on your Set & Save balance for your first 3 months of membership. Anything you deposit or that we save for you is eligible up to $10,000. Savings bonus is calculated at a 4.00% annual rate.

2

Stay eligible

Keep your membership, bank connection, and at least one savings goal active through the end of your third month of membership.

3

Get your bonus

After you complete month three, we’ll review your eligibility and pay your one-time bonus within 7–14 days.

Small moves that can add up

Here are some tips to increase the balance that may be eligible for your bonus. They are not extra requirements or separate rate boosts.

Create a goal

Work toward something that matters to you—big or small.

Set up a Smart Bill goal

Automatically set money aside for recurring bills to help make saving part of your routine.

Add money when you can

You can manually deposit into funds into Set & Save to increase your eligible daily balance, up to the $10,000 cap.

Good to know

Who is eligible?

Only select new Set & Save members have been chosen for this promotion. If you see “4% savings bonus” on your Set & Save tab, you are eligible. Sign up for notifications in the app to hear about upcoming promotions and offers.

What are the requirements to get the offer?

If you are eligible for the promotion you have to maintain three main requirements to remain eligible. Maintain an active Set & Save membership for three months (your first month is typically free), an active connected bank account, and at least one active savings goal.

What counts toward the savings bonus?

Eligible balance is your settled, positive Set & Save balance at the end of each day, up to $10,000. Savings bonus is calculated at a 4.00% annual rate. Pending amounts, returned transfers, reversals, and amounts over $10,000 do not qualify until applicable funds are posted.

Is 4% a lot?

Yes! A 4 savings bonus is 10 times greater than the FDIC national savings rate you see at many banks. It’s also one of the best rates you’ll find among fintech companies.

Are my savings safe?

Yes. Set & Save deposits are eligible for FDIC insurance on a pass-through basis up to $250,000.

Can I make a withdrawal?

Yes. It’s your money and you are always in control. A withdrawal does not automatically make you ineligible, but it can reduce your eligible daily balance and the bonus we calculate.

When will I receive the bonus?

Your bonus is reviewed after you complete your third membership month and is expected to be paid within 7–14 days, once eligibility is confirmed.

Can I combine this with another offer?

No. This welcome promotion is limited to one per member identity and does not stack with another bonus or new-member reward offer.

Does my rainy day goal count toward the bonus?

Yes. Oportun automatically creates a rainy day goal for you when you first sign up for Set & Save. Anything we automatically save or that you deposit into this this or your other goals is eligible for the 4% bonus.

Ready to get started?

Open Set & Save to create a goal, check your bank connection, and keep building your savings.