What is the interest rate on the OneCard Secured Account? The Secured Account is a variable rate account. The current Annual Percentage Yield (APY) for the Secured Account is 4.02%. Was this article helpful? 0 out of 0 found this helpful Return to top Related articles What is the Upgrade OneCard? How does the Custodial Deposit Program work for Upgrade OneCard with Secured Account? Rewards Checking Plus Details How much can I borrow from an Upgrade Card? Do I have the option to have my Pay Now pulled from my bank account at the point of sale?