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1 APY (Annual Percentage Yield) is effective as of 7/1/2025. Rates are subject to change daily. Fees may reduce earnings on your account.
2 Minimum to open Consumer and Business Optimum Savings account is $100, minimum to open Student Optimum Savings account is $25. Monthly auto transfer amount required from active checking account to avoid monthly service fee.

Explore our Optimum Savings accounts

Optimum Savings

Watch your money grow

Open an Account

It's for you if:
You want to build savings faster with our best interest rates

  • Earns interest?1,2
    5.00% to 0.25%; see rates
  • Minimum to open:
    $100
  • Monthly maintenance service charge:
    $0 if requirements are met. Otherwise, $15.
  • $0 maintenance service charge requirements:
    Transfer $100+ from your 1st Security Bank personal checking account to your Optimum Savings account at least once per month

Business Optimum Savings

Bigger savings for your business.

Talk with a Business Banker

It's for you if:
Your business wants to maximize savings and convenience

  • Earns interest?1,2
    5.00% to 0.25%; see rates
  • Minimum to open:
    $100
  • Monthly maintenance service charge:
    $0 if requirements are met. Otherwise, $15.
  • $0 maintenance service charge requirements:
    Maintain an active business checking account with 1st Security Bank.

Optimum Student Savings

Smart students deserve smart savings accounts

Find a Branch Near You

It's for you if:
You're a student looking for a savings account that rewards smart saving habits

  • Earns interest?1,2
    5.00% to 0.25%; see rates
  • Minimum to open:
    $25
  • Monthly maintenance service charge:
    $0 if requirements are met. Otherwise, $10.
  • $0 maintenance service charge requirements:
    Maintain an active 1st Gold Student Checking account and transfer $25+ from your 1st Gold Student checking account to your Optimum Student Savings account at least once per month

Contact your local branch to open an account or learn more.