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Personal savings account benefits
BENEFITS

Simplify the way you save

Watch your savings grow and stay in-the-know with smart banking tools you can use almost anywhere.

Every 1st Security Bank personal savings account includes:

  • Free email and text alerts
  • Free online banking
  • Free mobile banking and mobile deposits
  • Free 24-hour telephone banking
  • Free money management across multiple accounts
Account Types
Optimum Savings Banner. See details in adjacent column and disclaimer below.

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?1,2,3
    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

Preferred Savings

No-fuss management

Open an Account

It's for you if:
You like the flexibility of low-balance minimums
 

  • Earns interest?
    Yes; see rates
  • Minimum to open:
    $100
  • Monthly maintenance service charge:
    $0 if requirements are met. Otherwise, $10.
  • $0 maintenance service charge requirements:
    Maintain a minimum daily balance of $300

1Annual Percentage Yield. Rates are subject to change daily. Fees may reduce earnings on your account. APY is current as of 02/21/23. Business accounts are not eligible for this offer. 2To open the Optimum Savings account and avoid a monthly service charge the customer must maintain a 1st Security Bank Checking account and perform a one-time minimum $100 transfer from this checking account to the Optimum Savings account at least once a month. Limit one Optimum Savings account per primary tax owner of each 1st Security Bank checking account. 3Variable Rate Information. The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. for example, an Optimum Savings account with a daily balance of $50,000 would earn an interest rate of 4.89% on the first $5,000. The account would earn an interest rate of 0.25% on the remaining $45,000.

Youth Accounts

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?1,2,3
    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

Youth Savings

Free and easy for customers under 18

Find a Branch Near You

It's for you if:
You’re under 18 and want a simple way to save
 

  • Earns interest?
    Yes; see rates
  • Minimum to open:
    $5
  • Monthly maintenance service charge:
    $0
  • $0 maintenance service charge requirements:
    None

Uniform Transfer to Minors

Build your child’s savings

Find a Branch Near You

It's for you if:
You want to save for your child and transfer the account to them later

  • Earns interest?
    Yes; see rates
  • Minimum to open:
    $50
  • Monthly maintenance service charge:
    $0
  • $0 maintenance service charge requirements:
    None

1Annual Percentage Yield. Rates are subject to change daily. Fees may reduce earnings on your account. APY is current as of 11/18/24. Business accounts are not eligible for this offer. 2To open the Optimum Student Savings account and avoid a monthly service charge the customer must maintain a 1st Security Bank 1st Gold Student Checking account and perform a one-time minimum $25 transfer from this checking account to the Optimum Student Savings account at least once a month. Limit one Optimum Student Savings account per primary tax owner of each 1st Security Bank 1st Gold Student checking account. 3Variable Rate Information. The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. for example, an Optimum Student Savings account with a daily balance of $50,000 would earn an interest rate of 4.89% on the first $5,000. The account would earn an interest rate of 0.25% on the remaining $45,000.

For even more ways to save, explore money market accounts and CDs.


Get started in minutes

1) Share a few details

Fill out new account paperwork securely online or at your nearest branch.

2) Fund your account

Transfer funds into your new 1st Security Bank account. Minimums may apply.

3) Enjoy better banking

Start reaching your financial goals with convenient money management tools and support.