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Personal Savings Accounts

Online Applications Available

 
Regular Savings | Money Market | Ultimate Account | FSBee Club Savings | Youth Savings | FSB Rates

Why Save with FSB?

Whether you're looking for high-yield savings or money market accounts FSB has the right solution to fit your needs. Our competitive savings rates ensure you earn as much as possible on your deposits to reach your savings goals faster. Explore our savings options today!

Compare Accounts

Which Savings Account Is Right For You?

See Comparison Chart

Regular Savings

For Individuals Looking for a Basic, Low-Minimum Savings Account

Our Regular Savings account is a great option if you are looking for a savings account with a low minimum deposit! With just $50, you can open an account and save for your goals. By maintaining a daily balance of $100, you can also avoid the small $3 monthly maintenance fee.

Features:

  • Minimum Opening Deposit - $50
  • Minimum Balance to Earn Interest - $100
  • Minimum Balance Required to Avoid Fees - $100 daily balance
  • Monthly Maintenance Fee - $3
  • Withdrawal Fee - $0.50 per withdrawal if more than 6/month and average daily balance is below $2,500

Apply Now

Additional Terms and Conditions Apply.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.

Money Market

For Individuals Seeking Greater Returns with Flexible Access to Funds

With our money market account, you can earn higher interest rates than traditional savings accounts. Plus, you'll have customized checking privileges, giving you easy access to your money whenever needed. With a low minimum deposit, getting started on achieving your savings goals is easy.

Features:

  • Minimum Opening Deposit - $1,000
  • Minimum Balance Required to Avoid Fees - $1,000
  • Monthly Maintenance Fee -  $63
  • Withdrawal Fee - Allows 6 transfers per statement cycle; 6 may be by check; unlimited in person withdrawals or transfers and unlimited ATM transactions

Apply Now

3Plus applicable sales tax.
Additional Terms and Conditions Apply.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.

Ultimate Account

For Individuals Desiring a Combination of a High-Yield Savings Account and CD

The Ultimate Account seamlessly combines the benefits of CDs and savings accounts, offering monthly access to funds and an attractive higher interest rate. This savings account caters to personal and business banking needs, providing unique flexibility and potential for growth.

Features:

  • Minimum Opening Deposit  - $10,000
    • Unlimited deposits of any amount allowed after opening
  • Interest Rate
    • Tiered interest rate: See current rates
    • Interest compounds quarterly
    • Interest can be transferred quarterly to an FSB Checking account (Will not compound and may reduce earnings)
    • No maturity date
    • Early withdrawal penalty of $50.00 or 7 days interest, whichever is greater
    • Withdrawal penalty waived for one withdrawal completed in the first five business days of each month
  • No Monthly Maintenance Fee

Online account opening is not available for this account - please stop into any FSB Branch to get started!

Additional Terms and Conditions Apply.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.

FSBee Club Savings

For Children Aged 0 – 12 Looking to Start Saving

Open an FSBee Club Savings1 Account for as little as $5. Children ages 0-12 are eligible to participate in the FSBee Club and learn about the importance of savings through educational and fun opportunities for years to come. Plus, don't forget about our account opening bonus!

Cash the Bee

Features:

  • Minimum Opening Deposit - $5, $25 Opening Deposit Bonus
  • No Minimum Balance to Earn Interest 
  • No Minimum Balance Required to Avoid Fees
  • No Monthly Maintenance Fee
  • No Service Fees
  • Quarterly Newsletters, Birthday Gifts, Exclusive Events, and Special Access to Prizes from Ca$h the Bee

Parent Benefits:

  • Online transfers between FSB accounts
  • Convenient online statements
  • Joint ownership

Online account opening is not available for this account - please stop into any FSB Branch to get started!

1This account is restricted to the minor accountholder being age 12 or under. When the minor accountholder reaches age 13, this account will be converted to a Youth Savings (or other comparable) account.
Additional Terms and Conditions Apply.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.

Youth Savings

For Individuals Aged 13 – 23 Eager to Build a Solid Financial Foundation

Teaching young children the importance of saving money builds a solid financial foundation. Stop by any FSB branch to open a Youth Savings2 account and help your child take their first step toward a bright financial future.

Features:

  • Exclusively available for FSB customers ages 13 - 23
  • Minimum Opening Deposit - $5
  • No Minimum Balance to Earn Interest
  • No Minimum Balance Required to Avoid Fees
  • No Monthly Maintenance Fee

Online account opening is not available for this account - please stop into any FSB Branch to get started!

2This account is restricted to the primary accountholder being age 23 or under. When the Primary Accountholder reaches age 24, this account will be converted to a Regular Savings (or other comparable) account.
Additional Terms and Conditions Apply.
Interest bearing account – refer to FSB rate sheet for information on Interest Rates and Annual Percentage Yields.

Compare the Specific Features For Each Savings Account

Account FeaturesRegular SavingsFSBEE cLUB sAVINGS1 Youth Savings Club2Money Market
 Opening Deposit $50  $5 $5 $1,000
Minimum Balance to Earn Interest

$100
See current rates.

$0
See current rates.
$0
See current rates.
$0
See current rates.
Minimum Balance Required to Avoid Fees $100 $0  $0 $1,000
Monthly Maintenance Fee $3  $0 $0  $63
Withdrawal Fee $0.50 per withdrawal if more than 6/month and average daily balance is below $2,500  6 or fewer/month 6 or fewer/month Allows 6 transfers per statement cycle; 6 may be by check; unlimited in person withdrawals or transfers and unlimited ATM transactions.
  Apply Now Online account opening not available for this account.  Online account opening not available for this account. Apply Now
1This account is restricted to the primary accountholder being age 23 or under. When the Primary Accountholder reaches age 24, this account will be converted to a Regular Savings (or other comparable) account.
2This account is restricted to the minor accountholder being age 12 or under. When the minor accountholder reaches age 13, this account will be converted to a Youth Savings (or other comparable) account. Additional Terms and Conditions Apply.
3Plus applicable sales tax.
 

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All FSB Branches will be closed on Monday, May 27, in observance of Memorial Day.

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