Barclays Tiered Savings Bonus: Earn $200 with a $30,000 Deposit and 3.90% APY

Barclays Bank Delaware, an FDIC-insured U.S. institution, is running a limited-time promotion on its Tiered Savings Account. New customers can earn a $200 cash bonus by depositing $30,000 or more in new funds within 30 days of opening the account and maintaining that balance for at least 120 consecutive days. After meeting the requirements, Barclays will credit the bonus within roughly 60 days.

This offer is only for new Tiered Savings customers—existing or former holders of a Barclays savings account or CD are not eligible. No direct deposit is required, but you must select the correct “Tiered Savings” account type to qualify. The account currently offers a competitive 3.90% APY, making it an appealing option for savers seeking both growth and rewards. Promotion ends December 31, 2025.

There is a slightly better version of this bonus for AARP members (you will need an active membership number).

Here are the current interest rate tiers, as of 10/19/25. Note that it’s basically a 3.90% APY account unless you have a $250,000 balance. As with all savings accounts, the rates are also subject to change at any time.

Bonus math. This is a 0.66% bonus on $25,000 if you keep it there for 120 days, which makes it the equivalent of 2% APY annualized. Bonus will be paid around Day 180 and the account must be open at that time, but you only need to maintain full balance through Day 120 after funding. The bonus is on top of the standard interest rate, currently a relatively competitive 3.90% APY for a $25,000 balance as of 10/19/25.

The equivalent of roughly 5.90% total APY over 120 days makes it a decent offer for those with compatible balances looking for short-term place to hold their cash for a few months. However, it’s not as good as the currently live CIT Bank deposit offer that offers $225 for $25k and $300 for $50k with no minimum holding period.