From emergency funds to retirement planning, discover accounts that help your money work harder for you.
Whether you're saving for a rainy day, a new home, or retirement, we have an account designed for you.
Teaching kids financial responsibility starts here. No fees, no minimums, and fun rewards for saving.
| Features | High-Yield Savings | Money Market | Money Market Plus | Youth Savings |
|---|---|---|---|---|
| Minimum Opening Deposit | $25 | $5,000 | $5,000 + Checking | $0 |
| Interest Rate (APY)* | 4.75% | 3.85% (tiered) | 4.25% (tiered) | 1.50% |
| Monthly Fee | $1 (waived with $100) | $10 (waived with $5,000) | $10 (waived with $5,000) | $0 |
| Check Writing | Limited | Yes | ||
| Debit Card Access | Optional | Yes | ||
| Online Transfers | 6 per month | 6 per month | 6 per month | Unlimited |
*Annual Percentage Yield. Rates effective as of February 2026 and subject to change. Fees may reduce earnings.
Our High-Yield Savings account is designed for customers who want to earn competitive interest while maintaining easy access to their funds. Perfect for emergency funds and short-term savings goals.
Federal regulations limit certain types of withdrawals and transfers from savings accounts to six per monthly statement cycle. These include online transfers, automatic transfers, and telephone transfers. In-person withdrawals and ATM transactions are unlimited.
A $25.00 fee applies if account is closed within 180 days of opening.
Our Money Market account combines higher earning potential with check-writing flexibility. Ideal for customers with larger balances who want premium features.
| Balance Tier | Interest Rate | APY* |
|---|---|---|
| $5,000 - $24,999 | 3.75% | 3.82% |
| $25,000 - $49,999 | 4.00% | 4.08% |
| $50,000 - $99,999 | 4.25% | 4.34% |
| $100,000+ | 4.50% | 4.60% |
Federal regulations limit certain withdrawals to six per month. A $25.00 fee applies if account is closed within 180 days of opening.
Our premium Money Market Plus account rewards customers who have a full banking relationship with us. Enjoy enhanced rates and additional benefits when you combine this account with a Ashmore Trust checking account.
| Balance Tier | Interest Rate | APY* |
|---|---|---|
| $5,000 - $24,999 | 4.00% | 4.08% |
| $25,000 - $49,999 | 4.25% | 4.34% |
| $50,000 - $99,999 | 4.50% | 4.60% |
| $100,000+ | 4.75% | 4.86% |
A $25.00 fee applies if account is closed within 180 days of opening.
Teaching children financial responsibility is one of the most valuable lessons you can provide. Our Youth Savings account makes learning about money fun and rewarding.
Available for children ages 0-12. Account automatically converts to a standard High-Yield Savings account at age 13 (or can be converted earlier at parent's request).
Parent or guardian must be joint owner on the account. Child must be present with parent/guardian to open at a branch.
A Health Savings Account (HSA) is a tax-advantaged account designed for individuals with high-deductible health plans. It offers triple tax benefits and can be used for qualified medical expenses now or saved for healthcare costs in retirement.
Consult with your tax advisor regarding HSA eligibility and contribution limits. A $25.00 fee applies if account is closed within 180 days of opening.
Planning for retirement is one of the most important financial goals you'll ever have. Our IRA options provide tax-advantaged ways to save for your future.
Early withdrawal penalties may apply. Consult with your tax advisor regarding IRA eligibility and contribution limits. A $25.00 fee applies if account is closed within 180 days of opening.
Certificates of Deposit (CDs) offer guaranteed returns with fixed interest rates for a specified term. Ideal for funds you won't need immediately and want to earn higher, predictable returns.
| Term | Interest Rate | APY* | Minimum Deposit |
|---|---|---|---|
| 6 Months | 4.25% | 4.33% | $1,000 |
| 12 Months | 4.50% | 4.60% | $1,000 |
| 18 Months | 4.65% | 4.76% | $1,000 |
| 24 Months | 4.75% | 4.86% | $1,000 |
| 36 Months | 4.60% | 4.70% | $1,000 |
| 48 Months | 4.40% | 4.49% | $1,000 |
| 60 Months | 4.25% | 4.33% | $1,000 |
Rates subject to change without notice. A $25.00 fee applies if account is closed within 180 days of opening.
Your deposits are insured up to $250,000 per depositor, giving you peace of mind.
We consistently offer rates that rank among the best in the nation.
Manage your savings anytime with our mobile app and online banking.
*Annual Percentage Yield (APY) is accurate as of February 24, 2026. Rates are variable and subject to change without notice. Fees may reduce earnings on accounts. See account disclosures for complete terms and conditions.
IRA and HSA accounts have unique tax implications. Please consult with your tax advisor regarding your specific situation. Early withdrawal penalties may apply to CDs and IRAs.
A $25.00 fee applies if any account is closed within 180 days of opening. Membership and eligibility requirements may apply for certain accounts.