KeyBank Relationship Rate

When you do most of your banking with us, we call it having a full relationship. And when you have a full relationship with KeyBank, we thank you — with a special KeyBank Relationship Rate. It’s a higher interest rate that we add to your interest-bearing KeyBank accounts, so you can save more, more easily.

What’s the KeyBank Relationship Rate?

It’s a special rate on qualified interest-bearing accounts that’s only for clients who have a savings or investment account, an engaged checking account and a credit account with KeyBank.¹

Qualify for the KeyBank Relationship Rate

To qualify for the KeyBank Relationship Rate, you need to have at least three KeyBank account types, including:

An Engaged Checking Account

(Engaged means you’ve made an average of at least one deposit and eight withdrawals per month over the last three months.²)

A Savings or Investment Account³

A Credit Product³

Accounts That Earn the KeyBank Relationship Rate

While almost any checking, savings or investment, and credit accounts can qualify you for earning the KeyBank Relationship Rate, you’ll earn that special rate on certain interest-bearing accounts, including:

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Frequently Asked Questions

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

If you have the qualifying accounts but aren’t sure that you’re earning the rate, call us at 1-800-KEY2-YOU^®. For clients using a TDD/TTY device, please call 1-800-539-8336. You’ll see your KeyBank Relationship Rate applied to your qualified interest-bearing accounts during the first full week of the month following the month that you met the requirements.

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 a KeyBank checking account and a KeyBank savings or investment account.

Does my rate expire?

You’ll keep getting your relationship rate for as long as you have the qualifying accounts.

Should you stop meeting the requirements, your interest rate will revert to the current variable interest rate in effect at the time, and that rate will be applied during the first full week of the following month.

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.

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1-800-539-9056

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

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