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Explore Savings Products from Lemmata Savings Bank

  • No fees. $1 minimum deposit. 24/7 online access to funds.

  • Lemmata gives back through charitable donations when you save.

  • {6331a86b4ae2fb0001d6a74d-APY} APY Money Market Deposit Account, {6331a86b4ae2fb0001d6a74d-APY}{FDIC-MM} times the national average APY.

  • Deposits are FDIC insured through California Bank of Commerce.

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All Savings Products from Lemmata Savings Bank

About Lemmata Savings Bank

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Lemmata Savings Bank offers a digital-first banking experience rooted in competitive savings products that help you on your journey toward financial growth and empowerment. The name Lemmata is inspired by the concept “lemma,” which describes tackling a big problem or challenge by dividing it into smaller aspects first, echoing how reaching your money goals involves many steps along the way. And the bank is also committed to giving back: when you deposit, Lemmata makes charitable donations to a worthy cause.

The Security of Deposit Insurance

Deposits held with Lemmata Savings Bank are federally insured through California Bank of Commerce, an FDIC member bank.

Giving Back

A Charitable Commitment

On top of the interest rate paid to depositors, Lemmata Savings Bank contributes an additional 0.10% (based on depositors’ average monthly balance) to the CBC Charitable Foundation, which focuses philanthropic efforts in the areas of Youth, Education, Economic Development and Social Services.

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Exceptional Savings

The competitive products offered by Lemmata Savings Bank exclusively through SaveBetter are available to savers nationwide

Security Is Our Top Priority


FDIC logo

Deposits in Lemmata Savings Bank are insured by the FDIC through California Bank of Commerce, an FDIC member bank. Deposits are insured up to the limits of federal law. The standard insurance amount is $250,000 per depositor, per insured bank, for each deposit account ownership category.

Click to learn more about FDIC insurance

Cybersecurity is a top priority at SaveBetter

SOC2 logo

We invest in a variety of technologies to protect our customer’s data, privacy and transactions. These include Multi-Factor authentication, encryption, and Cloudflare advanced internet protection and monitoring. We are a SOC 2 certified organization, which means we have met the requirements outlined by the American Institute of Certified Public Accountants (AICPA) to ensure that we have the controls in place to keep customers' data secure and private.

Click to learn more about SOC 2 certification

Lemmata Savings Bank, Powered by SaveBetter

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Lemmata Savings Bank uses the secure SaveBetter platform to offer savings products to savers nationwide. Customers open accounts at, and the platform manages all aspects of the products offered by Lemmata Savings Bank, including a customer's deposits and withdrawals, statements and any customer service needs. In simple terms, SaveBetter provides you exclusive access to a special selection of Lemmata Savings Bank products. Best of all, SaveBetter is completely free!

  • Security: Funds deposited into any of the products accessible through SaveBetter are held by federally insured institutions. We use a host of cybersecurity measures to protect your funds and sensitive information.

  • Choice: Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.

  • Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.

  • Service: A supportive, accessible, responsive customer service team based in New York, NY, sets SaveBetter apart.

  • Access: Enjoy 24/7 online access to your account and funds.


Read what the media is saying about SaveBetter.

  • U.S. News

    Deposit Solutions is launching its savings portal in the United States

    Read article

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All Lemmata Savings Bank Savings Products on SaveBetter

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Refer to the selection tool at the top of this page to access terms for the savings products listed.


Call us: 844-994-EARN (3276)(Monday to Friday from 9:00 a.m - 4:00 p.m)
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The SaveBetter name and logo are trademarks of Raisin US LLC. The Raisin Solutions US name and logo are trademarks of Raisin GmbH, used with permission. Lemmata Savings Bank name and logo are trademarks of California Bank of Commerce, used with permission.

© 2022 Raisin US LLC. All rights reserved.

*APY means Annual Percentage Yield. APY is accurate as of {todayDate}. Interest rate may change after initial deposit. Minimum opening deposit is $1.00.

Each customer authorizes the Custodian Bank to hold the customer’s funds in a custodial capacity in order to facilitate the customer’s deposits to and withdrawals from deposit accounts at various Product Banks that the customer requests through The Custodian Bank does not establish the terms of the deposit accounts, or offer the deposit accounts to customers, and provides no advice to customers about deposit accounts. Central Bank of Kansas City, Member FDIC, d.b.a. Central Payments is the Service Bank. Custodian services are provided by Lewis and Clark Bank.