Chime's savings rate is nine times the national average.
Posted by The Joe Rogan Experience, Checked
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- 4 support5 context
- Said
- 1 time·
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- 60%
The Joe Rogan ExperienceNov 6, 2026
The 9x figure is supported by Chime's SEC annual report ('a savings rate as high as 9x the national average'), its Q1'26 remarks, and a Ubiquity announcement, all tied to the 3.75% Prime-tier APY against a 0.38% national average.
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What was said
… That's because banking at Chime is fee free: no monthly fees, no overdraft fees, and thousands of fee free ATMs. But here's the real kicker: if you get their Chime card, it gives you 5% cash back on a category you actually pick yourself. Your savings rate? Crazy high. It's nine times the national average. They're calling it the most rewarding way to bank. Go to chime.com slash Rogan. Takes a few minutes to sign up. Chime is a fintech, not a bank. Banking services and Chime card provided by Chime's bank partners. Terms and limits apply. …
The Joe Rogan Experience · · from the transcriptPost →What we found
Supports. Chime's SEC annual report describes a savings rate 'as high as 9x the national average' for members who make Chime their primary financial partner.[1]
Supports. Chime's Q1'26 prepared remarks state that its 3.75% APY on savings, for Prime members, is 'a rate nine times the national average.'[2]
Supports. A 2026 video cites Chime's 3.75% APY as nine times the 0.38% national average as of 09/14/2026, and Chime's 2025 Ubiquity announcement also cites 9x.[3][4]
Context. The 9x multiple applies only to the top Prime tier; Chime's own 2025 page gives 2.7x for the standard 1% rate and 10x for Prime at that time.[5]
Context. Other 2026 sources give different multiples: banks.com says 'almost 10x' at 4.14% APY, and Investopedia (dated Nov 6, 2026) says 13x at 5.00% APY, so the figure falls within a range that depends on the tier and the measure used.[6][7]
Context. Standard-tier rates in 2026 reviews (NerdWallet: up to 3.50% with direct deposit; CNBC: 2.75% Plus, 0.75% standard) imply a multiple well below 9x for non-Prime customers.[8][9]
Sources
9 sources: 1 primary, 8 not rated
- 1[PDF] chimefy25ars.pdf - SEC.govsec.gov · primary source · cited for: supports
- 2Q1'26 Financial Results Prepared Remarksinvestors.chime.com · not rated · cited for: supports
- 3Kia Soul Durability Testyoutube.com · not rated · cited for: supports
- 4Chime Partners with Ubiquity to Provide Employee Financial Toolsstocktitan.net · not rated · cited for: supports
- 5High-Yield Savings Account: Get Up to 4.00% APYchime.com · not rated · cited for: context
- 6Chime® Savings Account Reviewbanks.com · not rated · cited for: context
- 7Best High-Yield Savings Account Rates for November 2026: Earn 5.00% APY Todayinvestopedia.com · not rated · cited for: context
- 8Chime Review 2026: Checking and Savings - NerdWalletnerdwallet.com · not rated · cited for: context
- 9Chime Card Review 2026 - CNBCcnbc.com · not rated · cited for: context
Where this claim was made
Said in 1 published post
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