Open a High Interest Personal Savings Account

It’s time to put the “personal” back in personal savings. Open a personal savings account that matches your exact needs, whether you’re saving for school, a home, or retirement.

The Strategic Advantage of Saving

Opening a savings account is a hassle-free way to secure your financial future while enjoying a host of advantages designed to maximize your savings potential. By choosing to grow your money in a savings account, you’ll benefit from a secure environment that not only protects your funds but also earns interest over time, helping your savings to steadily increase.

Saving money is key to achieving long-term financial health. It equips you with the capability to handle emergencies, plan for significant life events, and build a nest egg for future endeavors such as homeownership or retirement. By establishing a strong habit of saving, you’ll cultivate a sense of financial independence and security that will serve you throughout your life.

Take the first step towards a more secure financial future by opening a savings account today, and experience the ease and benefits it offers. Explore our savings account options below.

Savings Options

Savings:

Smart Savings
E-Savings
School Savings
HSA

Money Market:

Smart
Mutual Interest

Certificate of Deposit

Overview

Savings:

Smart Savings

Smart Savings

The cream of the crop in savings, featuring our best interest rates exclusively for Prime Access, Preferred Access, and Access Checking customers. Save with ease and reap the rewards!

Free online banking for easily transferring funds
Reviewing online statements, verifying transactions
For added peace of mind, link your Smart Savings to your checking account for overdraft transfer protection.

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(Smart Savings)

E-Savings

E-Savings

The easy way to save. With our E-Savings account, you can grow your money while you enjoy key benefits. Pair E-Savings with other great services and get even more convenient features.

Enjoy unlimited transactions online, in person or at an ATM
Free online banking for easily transferring funds
Overdraft transfer protection when you link to your checking account

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(E-Savings)

School Savings

School Savings

Even just $5 a day can set your child up for financial success. Open a school savings account and start investing in their future.

(School Savings)

HSA

Tax-free money set aside—so you aren’t blindsided by medical costs

When health issues pop up, your priority should be getting better—not figuring out the bill. Opening a health savings account (HSA) will help you create a tax-free nest egg for future medical expenses. Plus, the money stays with you whether you switch jobs or insurance companies, and you decide when to use it.

You may be eligible for an HSA if you:

Are covered by a qualifying high-deductible health plan.
Are not covered by any other health plan.
Are not yet enrolled in Medicare.
Cannot be claimed as a dependent on someone else’s tax return.

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Money Market:

Smart

Smart money market

An exclusive benefit that offers a higher, preferred rate for Prime Access, Preferred Access & Access checking customers. Perfect for the big saver looking to get equally big returns.

Free online banking for easily transferring funds
Convenience, plus our best interest rates

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(Smart Money Market)

Mutual Interest

Mutual Interest money market

Get competitive rates with great privileges, and earn a higher interest rate on your surplus savings. Ideal for someone saving big for their future, but still wants to retain access to their funds.

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(Mutual Interest Money Market)

Certificate of Deposit

Overview

Certificate of Deposit

How does a guaranteed return on your investment sound? In an unpredictable financial market, having reliable and steady growth on your savings can provide peace of mind and security for your future. Opening a certificate of deposit (CD) is one of the most effective ways to make your money work for you, ensuring predictable earnings that aligns with your financial goals.

Start today by exploring our variety of CD options available to help you choose the perfect investment strategy for you. Super-charge your savings goals with a certificate of deposit and enjoy the rewards of a smart and strategic financial decision. Your future self will be glad you did.

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(CDS)

Thinking long-term? Save for retirement with an IRA

Planning for retirement is one of the most crucial financial steps you can take in your lifetime. Whether you're just beginning your career, in the midst of it, or nearing retirement age, it's never too late—or too early—to start preparing for the future. Embracing the power of compound growth and capitalizing on tax savings can significantly impact your financial security in your golden years. This is where Individual Retirement Accounts (IRAs) come into play, offering a smart and effective way to build a solid foundation for your retirement.

It’s never too late (or too early) to start preparing for a financially secure retirement. Let our individual retirement accounts (IRAs) help you take advantage of tax savings and make your money work—so you don’t have to later in life.

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Discover More with Ascend Bank

Deposit Rates

View competitive interest rates that make your money work smarter, not harder, across accounts.

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Self Service Center

Open an account, pay a bill, transfer money, and deposit a check quickly and simply—without leaving the comfort of your home.

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Digital Banking

Take Ascend Bank on-the-go with a simple (and safe) mobile banking option.

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