KeyBank Relationship Rate

When you have an engaged checking, savings and credit account with KeyBank, you earn special interest rates to help you make more financial progress. You might call it getting more from your bank. We call it having your back.

Benefits of a Full Banking Relationship

KeyBank Relationship Rate^®
It’s a special rate on qualified interest-bearing accounts that’s reserved for clients who have an engaged checking, savings or investment, and credit or loan accounts with Key.¹
Better Financial Wellness
We’re all on a financial journey, and how soon you reach your destination depends on how well you manage your finances. With a full banking relationship, it’s easier to know where you stand, where you’re going, and how to get there.

Qualify for the KeyBank Relationship Rate

To have a full relationship with KeyBank and earn the relationship rate, you need to have one account from each of these groups:

Engaged Checking Account

(Engaged means that over the last three months you used your account for an average of at least one deposit and eight withdrawals per month.²)

Savings or Investment Account³

Credit Card or Loan³

Accounts That Earn the KeyBank Relationship Rate

While almost any checking, savings or investment, and credit or loan accounts can qualify you as having a full relationship, you’ll earn the special relationship rate on certain interest-bearing accounts.

With your full relationship, you can earn the KeyBank Relationship Rate on:

Talk to a Banker

We’re all on a financial journey, and yours should be as smooth and easy as possible. A banker can show you how to get the KeyBank Relationship Rate and reach your financial goals – whether they include growing savings, buying a house, investing or just feeling in control of your money.

Schedule an Appointment

Frequently Asked Questions

How do I know if I’m earning a KeyBank Relationship Rate?

To earn the KeyBank Relationship Rate you’ll need to have an engaged KeyBank checking account, and a KeyBank savings or investment account, and a KeyBank credit card or loan. To see if you have the right accounts and are qualified to earn the rate, visit your local branch or call 1-800-KEY2-YOU^®. For clients using a TDD/TTY device, please call 1-800-539-8336.

Is the KeyBank Relationship Rate different from the special mortgage rate for KeyBank clients?

The KeyBank Relationship Rate and the special mortgage rate for KeyBank clients are different, and clients can receive both.

To qualify for the special .25% interest rate discount on mortgages, you must have an eligible KeyBank checking account and an eligible KeyBank savings or investment account.

Does my rate expire?

You’ll keep getting your relationship rate for as long as you’re qualified to receive it.

You’ll see your KeyBank Relationship Rate applied to your qualified accounts during the first full week of the month following the month that you met the requirements. Should you stop meeting the requirements, your interest rate will revert to the current variable interest rate in effect at that time and it will be applied during the first full week of the following month.

Which accounts qualify for the KeyBank Relationship Rate?

You can qualify for the KeyBank Relationship Rate when you have the following:

Any KeyBank checking account you’ve used for an average of at least one deposit and eight withdrawals per month over the last three months, and²
Any KeyBank savings or investment account except for health savings accounts, and
Any KeyBank credit card or loan except for the Key Secured Credit Card

Call Us

1-800-539-9056

Clients using a TDD/TTY device:
1-800-539-8336

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

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Find a Branch or ATM

Your account will begin to earn interest at the KeyBank Relationship Rate during the first full week of the month following the month you meet these requirements. If you were earning interest at a KeyBank Relationship Rate, then fail to meet one of the requirements, your interest rate will revert to the current variable interest rate in effect at that time during the first full week of the following month.

For accounts open for fewer than three months, to be engaged means you have made an average of one deposit and eight withdrawals since the account was opened.

KeyBank Health Savings Account and the Key Secured Credit Card do not qualify as full relationship accounts.