Personal Savings
Account options for saving for your better future.
Our personal savings accounts include:
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13-Month CD
4.16% 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
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®.