Deposit Rates

Effective as of February 15, 2024

We offer competitive checking and savings rates to align with managing your money.

Ka-Ching Checking

*Rates are variable and may change after account opening. If qualifications are met each monthly qualification cycle: (1) Up to $30.00 of national ATM surcharges posted and settled per qualification cycle will be reimbursed and credited to the account on the last day of monthly statement cycle; (2) Up to $15.00 of Savers Bank foreign ATM processing fees posted and settled per qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (3) balances from $10.00 up to $25,000 earn 1.95% interest rate (2.00% APY); and (4) balances $25,000.01 and over earn 0.25% interest rate (2.00% - 0.60% APY depending on account balance) on the portion of the balance over $25,000. If qualifications are not met, all balances earn an interest rate and APY of 0.05%, and the account does not receive ATM surcharge rebates or Savers Bank foreign ATM processing fee rebates for that period. To qualify you must have at least: (1) 12 posted and settled Debit Card purchases (ATM transactions and debit card purchases processed as ATM transactions do not count towards qualifying debit card purchases); (2) Be enrolled in, receive and review eStatements; and (3) Have 1 direct deposit or 1 bill payment (electronic) or automatic payment (ACH) post and settle (transfers between accounts within our bank or via online banking do not count towards qualifying ACH or bill pay transactions). Qualifying transactions must post and settle to the account during each monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post and settle to an account. “Monthly Qualification Cycle” means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Monthly statement cycle is not the same as monthly qualification cycle. If monthly qualifications are not met, this account will still function as a free account, with no monthly service fee. Minimum to open account is $10. Minimum balance to earn APY is $10. No minimum balance required to earn rewards or maintain account. Available as a personal account only. Limit one account per tax identification number. Fees or other conditions could reduce the earnings on the account shown above.

Simply Better Checking Account

Minimum to open account is $10. Minimum balance to earn APY is $10,000. Fees or other conditions could reduce the earnings on the account shown above.

e-Checking Account

Minimum to open account is $10. Minimum balance to earn APY is $500. Fees or other conditions could reduce the earnings on the account shown above.

Regular Savings Accounts

Minimum deposit is required to open the account. Fees or other conditions could reduce the earnings on the accounts shown above. Minimum balance to earn APY is $10.

Ultra Money Market Special -Personal and Business

To receive the 3.50% APY a balance of $500,000 or greater needs to be maintained. If the promotional money market daily balance falls below the $50,000 minimum deposit requirement during the monthly statement cycle, the interest rate will default to the current money market rate established by Savers Bank. As of 2/3/23 the default rate is 1.00% APY. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. The Ultra Money Market requires a Savers Bank checking account to receive the advertised promotional money market rate. All Money Market rate tiers are effective as of February 3, 2023 and are subject to change without notice.

Tiered Money Market Account

Minimum deposit of $2,500 is required to open the account. *Fees or other conditions could reduce the earnings on the accounts shown above. Interest is not earned if the account balance falls below $10.00.

Tiered Business Money Market Account

Minimum deposit of $100 is required to open the account. *Fees or other conditions could reduce the earnings on the accounts shown above. Interest is not earned if the account balance falls below $10.00.

Premier IRA Money Market Account

You must deposit $50.00 or more to open this account. Minimum balance to earn APY is $10. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. IRA deposits allowed up to maximum IRA contribution.

Certificates of Deposit / Individual Retirement Accounts

A substantial penalty is imposed for early withdrawal on certificates.

* Annual Percentage Yield is based on the assumption that the account will be rolled over at maturity for the same term and remain on deposit for one year. The existing interest rate may not be available at maturity. APY is earned only if interest remains in account. A withdrawal of the interest earned will reduce future earnings.

**Ultra 7 Month CD: APY= Annual Percentage Yield. The 4.65% APY for a term of 7 months is effective as of May 18, 2023 and is subject to change without notice. Ultra 11 Month CD: APY= Annual Percentage Yield. The 4.25% APY for a term of 11 months is effective as of May 18, 2023 and is subject to change without notice. For both Ultra CD Specials: $25,000 minimum deposit is required to open account. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. A penalty may be imposed for early withdrawal on certificates. In order to obtain the special rates, you must open or have an existing Savers Bank checking account. The CD will auto renew to a 12 month CD at maturity.

***Ultra 13 Month IRA CD: APY= Annual Percentage Yield. The 5.36% APY for a term of 13 months is effective as of February 15, 2024 and is subject to change without notice. $500.00 minimum deposit is required to open account. APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Fees and other conditions could reduce earnings. You must maintain a minimum balance of $10 in the account to obtain the disclosed APY. A penalty may be imposed for early withdrawal on certificates. Opening deposit must be new money only, not currently on deposit at Savers Bank. In order to obtain the special rates, you must open or have an existing Savers Bank checking account. The CD will auto renew to a 12 month IRA CD at maturity.

† IRA Variable Rate Certificate - Interest Rate and APY may change at any time after the account is opened.

Minimum deposit is required to open the account. Fees or other conditions could reduce the earnings on the accounts shown above. Minimum balance to earn APY is $10.

PLEASE NOTE: Interest rates and programs are subject to change, please call your local representative for updated interest rates and program information.