Depositors earn 10% APY on funds they deposit to Stiff.Money. To compare the most common interest rate on savings accounts is .01%, though some credit unions and online bank accounts may offer higher rates around 1.00% Annualized Percentage Yield (APY). Stiff.Money’s 10% APY offers Depositors on average 100X better ROI on deposited funds when compared to AVG savings account. And as an added benefit depositors are opening up homeownership to more people