Savings, CDs, IRAs & Money Markets
Start saving and you’ll be ready for whatever life throws at you. Whether you’re starting an emergency fund or planning for retirement — put your money to work for you.
Open an AccountSchedule an AppointmentDiscover Which Savings Account Works Best for You
Ready to start saving? Take a look at the features available with each option to find the account that’s right for you.
| Savings Accounts | CDs | IRAs | Money Markets | |
|---|---|---|---|---|
| Description | Earn dividends with no monthly service fees or membership fees and get easy access to your money when you need it. | Grow your savings faster by locking in a competitive rate for a fixed period of time. | Save for retirement in a tax-advantaged account. | Get a competitive rate that increases with a higher balance — and access your money easily by writing checks. |
| Term | No term | 3 to 60 months | No term | No term |
| Min Balance | $5 | $500 | IRA Savings: None -- IRA CD: $500 | None |
| Rates | ||||
| Open an Account | Open an Account | Open an Account | Open an Account |
| Savings Accounts | |
|---|---|
| Description | Earn dividends with no monthly service fees or membership fees and get easy access to your money when you need it. |
| Term | No term |
| Min Balance | $5 |
| Rates | |
| Open an Account | |
| CDs | |
|---|---|
| Description | Grow your savings faster by locking in a competitive rate for a fixed period of time. |
| Term | 3 to 60 months |
| Min Balance | $500 |
| Rates | |
| Open an Account | |
| IRAs | |
|---|---|
| Description | Save for retirement in a tax-advantaged account. |
| Term | No term |
| Min Balance | IRA Savings: None -- IRA CD: $500 |
| Rates | |
| Open an Account | |
| Money Markets | |
|---|---|
| Description | Get a competitive rate that increases with a higher balance — and access your money easily by writing checks. |
| Term | No term |
| Min Balance | None |
| Rates | |
| Open an Account | |
Reach Your Savings Goals
Saving for for house, car or a vacation? What will it take to reach your financial goal? This calculator helps you find out. Enter in your savings plan and view your financial results.
Membership means more
More Ways to Save
Education Savings Accounts
With a Coverdell Education Savings (ESA), earnings grow tax-deferred and educational expense withdrawals are tax free.
Health Savings Accounts
Lower your taxes while saving for qualified medical expenses with a VyStar Health Savings Account (HSA).
Kids Club Savings Accounts
Free savings accounts with kid-friendly learning tools help children 12 and under to develop good financial habits.
Dividends paid to the account are calculated daily, compounded monthly and credited monthly.