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Personal Savings Accounts

Whether you're needing to prepare for college tuition, or you're a retiree wanting a secure place to watch your money grow, or somewhere in between, Access puts flexibility and earnings power at your fingertips with the right savings accounts.

View our Deposit Rates.

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Account Type Professional Personal Money Market1 Money Market1 Savings2 IRA Certificates of Deposit3 CDARS®4
Best If You Want...

An account that rewards you for your banking relationship by earning our highest money market yield.

This money market account does not require a checking account to earn a competitive yield.

Earn a competitive yield on funds set aside for future projects or major purchases.

Earn a competitive yield on your retirement funds in money markets or certificates of deposit. Traditional, Roth, and Sep IRAs are available.

Earn a competitive yield on a variety of certificate of deposit terms. Interest is credited monthly. Additional deposits are not accepted.

Deposits are eligible for multi-million dollar FDIC insurance coverage through one institution. CDARS offers a variety of rates and terms. Please contact your banker or banking center for more information.

Minimum Opening Deposit $1,000 $1,000 $1,000 $1,000 $10,000 $250,000
Average Daily Balance to Avoid Monthly Fee $3,500 $3,500 $500 N/A N/A N/A
Balance Earns Interest Yes Yes Yes Yes Yes Yes
Penalty for Early Withdrawal       Yes Yes Yes
Maximum Monthly Withdrawals to Avoid Fee 6 6 6      
Checking Account Required        
FREE AccessConnect Online Banking and Mobile Banking  
Fee-FREE Overdraft prevention Sweep to Linked Checking Account      
Account Type Professional Personal Money Market1 Money Market1 Savings2 IRA Certificates of Deposit3 CDARS4
  1. Transfers to another account or to third parties by pre-authorized, automatic or telephone transfer are limited to six (6) per statement cycle with no more than three (3) by check, draft, debit card or similar order to third parties. An additional withdrawal fee of $10 will be charged for each transaction in excess of the above limitations.
  2. Unlimited in person or ATM withdrawals. Online transfers from a savings account are limited to 3 per statement cycle. A $10.00 fee for each transfer over this limit will be incurred.
  3. Partial withdrawals of principal are allowed. Amount withdrawn subject to the following penalties: 30 Day up to 1-Year: Three (3) months interest whether earned or not at nominal (simple) interest rate. Over 1 - Year: Six (6) months interest whether earned or not at the nominal (simple) interest rate.
  4. CD's issued through CDARS function like traditional CDs in that they have designated maturities and are subject to early withdrawal penalties.