Grow Your Savings
Reach your financial goals faster with our competitive savings accounts designed to help your money work harder for you.
Compare Our Savings Accounts
Choose the savings account that best fits your financial goals, from basic savings to high-yield options.
Standard Savings
Minimum opening deposit: $25
- No monthly maintenance fee
- Online and mobile banking
- Automatic savings options
- FDIC insured up to $250,000
- Quarterly statements
High-Yield Savings
Minimum opening deposit: $100
- Competitive interest rate
- No monthly maintenance fee
- Online and mobile banking
- Automatic savings options
- FDIC insured up to $250,000
- Monthly statements
- Free transfers to Zenith accounts
Money Market
Minimum opening deposit: $1,000
- Tiered interest rates
- Check writing privileges
- Debit card access
- Online and mobile banking
- FDIC insured up to $250,000
- Monthly statements
- Free transfers to Zenith accounts
- ATM access
*Annual Percentage Yield (APY) accurate as of 5/1/2025. Rates may change after account opening. Fees may reduce earnings.
Savings Calculator
See how your savings can grow over time with our different account options.
Calculate Your Growth
Your Savings Growth
Smart Savings Strategies
Maximize your savings with these proven strategies from our financial experts.
Set Up Automatic Transfers
Schedule automatic transfers from your checking to your savings account on payday. What you don't see, you won't miss, and your savings will grow effortlessly.
Follow the 50/30/20 Rule
Allocate 50% of your income to necessities, 30% to wants, and 20% to savings and debt repayment. This balanced approach ensures consistent savings growth.
Save Windfalls
When you receive unexpected money—tax refunds, bonuses, or gifts—save at least half. This accelerates your savings without affecting your regular budget.
Set Specific Goals
Define clear savings goals with deadlines. Whether it's a vacation, down payment, or emergency fund, specific targets make saving more purposeful and achievable.
Review and Adjust Regularly
Schedule quarterly reviews of your savings plan. As your income or expenses change, adjust your savings strategy to stay on track with your financial goals.
Ladder Your CDs
Create a CD ladder by opening certificates with staggered maturity dates. This strategy provides regular access to funds while maximizing interest rates.
Frequently Asked Questions
Find answers to common questions about our savings accounts.
How do I open a savings account?
You can open a savings account online in just minutes. Simply click the "Open Account" button, follow the prompts, and have your identification and initial deposit ready. You can also visit any branch or call our customer service.
Is there a limit to how many withdrawals I can make?
While federal regulations previously limited certain withdrawals and transfers from savings accounts to six per month, these restrictions have been temporarily lifted. However, we encourage limiting withdrawals to maximize your savings growth.
How is interest calculated and paid?
Interest is calculated daily based on your account's daily balance and credited to your account monthly. The Annual Percentage Yield (APY) reflects the total amount of interest paid on the account based on the interest rate and frequency of compounding.
Can I link my savings account to my checking account?
Yes, you can link your savings account to your Zenith Horizon checking account for easy transfers, overdraft protection, and a consolidated view of your finances in online and mobile banking.
Start growing your savings today
Open a savings account in minutes and take the first step toward achieving your financial goals.