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.
Get Optimal Returns with Optimum Savings
Optimum Savings
Business Optimum Savings
Optimum Student Savings
Optimum Savings
Watch your money grow
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.
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
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.