Personal banking
One account, every product, fully online.
Whether you're saving for a first home or moving family wealth across generations — every Paxnova Trust product is built around the same idea: transparent, fast, and human when it counts.
Apex Checking
Earnings rate · 0.50% APY
Zero-fee checking with insights that anticipate your next move. Get paid up to two days early.
ExploreReserve High-Yield Savings
APY · 4.85%
FDIC-insured, accessible, and one of the highest yields in the country. Move money instantly to and from your Checking.
ExploreCredit cards
Pick the one that fits how you actually live — Apex (cash back), Reserve (travel), or Signature (concierge).
ExploreMortgages
30-year fixed (from) · 6.42%
A real, named banker on your file from minute one. Lock today's rate while you shop.
ExplorePersonal loans
APR (from) · 6.99%
$2,000 to $50,000. Rates from 6.99% APR. Funded next business day after approval.
ExploreCertificates of deposit
12-month CD APY · 5.20%
Fixed-rate CDs from 6 to 60 months with no early-withdrawal penalty on the first 30 days. FDIC-insured to $250,000.
ExploreHome equity line of credit
Variable APR (from) · 7.12%
Tap up to 85% of your equity, variable rates from 7.12% APR, draw period of 10 years.
ExploreAuto refinance
APR (from) · 5.49%
Fixed-rate, no application fee, no penalty. Average member saves $1,420 in total interest.
ExploreSelf-directed investing
$0 trades, fractional shares from $1, real-time market data, all in your Paxnova Trust app.
ExploreManaged portfolios
0.25% advisory fee, diversified globally, tax-aware, rebalanced automatically. Minimum to start: $500.
ExploreRetirement (IRA)
Open a Roth, Traditional, or Rollover IRA in minutes. Same $0 trades, same low fees, same app.
ExploreWealth management
Dedicated banker, tax-aware portfolios, and trust & estate planning — without the marble lobby.
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