Personal Savings

Account options for saving for your better future.

Our personal savings accounts include:

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13-Month CD

4.26% APY2

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    Personal Savings Account Options

    Basic Savings

    Best for individuals with smaller balances

    Interest1

    Paid when the minimum daily balance is met


    Monthly Fee2

    $5 if the minimum daily balance is not met


    Minimum Daily Balance

    $50


    Transaction Charge

    5 free withdrawals per month, then $1 per withdrawal


    Statements

    Paired with Personal Checking Account: Monthly
    Not Paired: Quarterly

    Preferred Savings

    Best for individuals with larger balances

    Interest1

    Variable rate based on the following tiers:

    • $1,000 – $9,999.99
    • $10,000 – $24,999.99
    • $25,000+

    Monthly Fee2

    $10 if the minimum daily balance is not met


    Minimum Daily Balance

    $1,000


    Transaction Charge

    5 free withdrawals per month, then $1 per withdrawal


    Statements

    Paired with Personal Checking Account: Monthly
    Not Paired: Quarterly

    Little Drake Savings

    For children and young adults under 18

    Interest1

    Variable rate based on the following tiers:

    • $0 – $1,000.00
    • $1,000.01 +

    Transaction Charge

    5 free withdrawals per month, then $1 per withdrawal


    Statements

    Quarterly

    Money Market Accounts

    Investor Savings

    Higher-yield savings for when you can save $25,000+

    Interest1

    Variable rate based on the following minimum balances:

    • $0
    • $25,000
    • $100,000
    • $250,000
    • $1,000,000
    • $5,000,000

    Monthly Fee2

    $25 if the minimum daily balance is not met


    Minimum Daily Balance

    $25,000 to avoid the monthly fee


    Transaction Charge

    6 free transfers or pre-authorized withdrawals per month, 3 of which may be made via check


    Statements

    Monthly

    Term Account Options

    Certificates of Deposit3

    Term accounts with competitive rates and guaranteed interest

    Interest

    Fixed-rate based on the following account terms:

    •  91 Day
    •  182 Day
    •  9 Months
    •  12 Months
    •  18 Months
    •  24 Months
    •  36 Months
    •  48 Months
    •  60 Months


    Monthly Fee2

    None


    Minimum Balance

    $500 minimum is required to open an account

    Individual Retirement Account3

    Term accounts for retirement savings

    Interest

    Fixed-rate based on the following account terms:

    •  91 Day
    •  182 Day
    •  9 Months
    •  12 Months
    •  18 Months
    •  24 Months
    •  36 Months
    •  48 Months
    •  60 Months


    Monthly Fee2

    None


    Minimum Balance

    $500 minimum is required to open an account

    Related Services

    Credit Builder Loan

    Boost your credit score while building your savings when you make on-time monthly payments.

    Zelle®

    A fast, safe, and easy way to send money directly between almost any bank account in the U.S., typically within minutes.4

    Our Expertise

    PERSONAL CHECKING

    Account options to fit your financial journey.

    PERSONAL LENDING

    Lending options to control your liquidity.

    ONLINE BANKING

    Conveniently access and manage your accounts 24/7.

    All personal savings accounts require a $100 opening balance. $500 minimum is required for CDs and IRAs.
    1 Interest will be compounded and paid monthly based on the daily collected balance. Refer to our deposit account rates for current rate information. At our discretion, interest may change daily. Interest begins to accrue no later than the business day we receive credit for the deposit of checks.
    2 Other charges may apply to these accounts; see separate miscellaneous fee schedule.
    3 A withdrawal of interest prior to maturity will reduce earnings. Interest rates on CDs are fixed rates and are paid for the term of the deposit until maturity. Additional deposits before maturity are not permitted except for the IRA CD, which allows additional deposits of a minimum of $50.00. Penalty for early withdrawal may apply. Please refer to your CD for additional terms and conditions that may apply.
    4 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.