Make it fun with Cleo’s save hacks.
Save a few cents from each purchase with Round Ups, or try Cleo’s Swear Jar to add cash to your savings when you splurge.
Save
Start living the high-yield life.
Save with Cleo
Earn high interest on savings
Save easily, automatically
Set goals and stay on track
Cleo is here to save you
from having no real savings plan.
Interest
Get more interest.
With Cleo, you can get an Annual Percentage Yield (APY) of 2.75%,1 nearly six times higher than the national average.
How Cleo Savings works
Create your Cleo account.
It’s a 2-minute investment.
Pick your saving goal.
Go with one of Cleo’s suggestions, or create your own.
Set savings to automatic.
Turn on Cleo’s savings tools, and let AI do the rest.
Watch it grow.
Literally go watch it grow in the savings tab.
Cleo’s got lots of small ways
to grow your savings big.
Save automatically.
Cleo helps you save while you sleep, scroll, or think about literally anything else.
Your savings are
safe and secure with Cleo.
Encrypted
Protected by 256-bit encryption. Cleo uses Plaid to securely connect and transfer your data.
Secure control on your accounts
Cleo can only view your transaction data in read-only mode. You control how and when you save.
No third-party tracking
We’d never sell your data to a third party.
That’s just rude.
FAQs
It’s a savings account that offers a competitive interest rate. (The good kind of interest—it helps your money grow.) Think of it as a little treat for not touching your savings.
1The interest rate on your account is 2.72% with an Annual Percentage Yield (APY) of 2.75%, effective as of 12/11/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.
2Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions regarding the sweep program. Pass through insurance coverage is subject to conditions