Chocolate Finance
Current EIR: 0.00%
5 rate snapshots
1st 20k 2% p.a, next 80k 1.8% p.a.
Amounts above 100k are invested and will not be counted here.
Note: This is not a bank
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Interest Rate Over Time
- Chocolate Finance
** The “updated at” date reflects when this calculator was updated, which may differ from the date the bank published the change.
Rate Change History
| Date | What Changed | Yearly Interest | EIR |
|---|---|---|---|
| 2026-06-05 | First $20K unchanged 2%, next tier expanded to $80K at 1.8% (was $30K). Source: https://www.chocolatefinance.com/how-it-works | $0.00 | 0.00% |
| 2025-12-01 | First $20K ↓2%, next $30K ↓1.8%. Source: https://sethisfy.com/nerfed-maribank-and-chocolate-finance-dropping-rates-from-1st-december-2025/ | $0.00 | 0.00% |
| 2025-10-01 | First $20K ↓2.5%, next $30K ↓2.2%. Source: https://sethisfy.com/nerfed-chocolate-finance-drops-rate-1st-september-2025/ | $0.00 | 0.00% |
| 2025-06-01 | First $20K ↓3%, next $30K ↓2.7%. Source: https://sethisfy.com/nerfed-gxs-trust-bank-and-chocolate-finance-announce-drop-in-rates/ | $0.00 | 0.00% |
| 2025-05-01 | First $20K 3.3%, next $30K 3%. Source: https://sethisfy.com/nerfed-chocolate-finance-drops-top-up-rate-to-3-and-3-3-p-a-on-first-s50000-from-1st-february-2025/ | $0.00 | 0.00% |