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Savings Accounts

Simple, secure accounts that help your money grow with dividends and easy access.

Savings Your Way

At Summit Choice, you’ll always find options that fit the way you like to bank — and our savings accounts are no exception. Explore our range of savings solutions to discover the one that matches your goals. If you’re still figuring out what you need, we’ve got helpful guides and resources to make the decision easier.

Become a Member Open an Account

Regular Savings

Our Savings Account offers security, flexibility, and easy access to your money—making it a great place to build your savings month by month. With just a small opening deposit, you’ll also become a member for life.

Simple Start

$25 minimum deposit to open

Dividend Income

Earn monthly dividends

Always Available

24/7 online banking access

Cash Access

Withdraw cash at any ATM with your Visa® Debit Card

Faster Savings

Grow your savings faster with direct deposit or payroll deduction

Money Market Savings (S.L.Y.)

Put your dollars to work with our Safety Liquidity Yield (S.L.Y.) Money Market Account. Designed for higher balances, this tiered account earns higher dividend rates as your daily balance grows.Put your dollars to work with our Safety Liquidity Yield (S.L.Y.) Money Market Account. Designed for higher balances, this tiered account earns higher dividend rates as your daily balance grows.

More Earnings

The more you save, the more you earn

Daily Interest

Interest calculated daily and paid monthly

No Terms

No term requirements

No Fees

No monthly fees

Christmas Club

Have you ever wished you had saved a little more before the holiday shopping season arrived? With our Christmas Club Savings Account, you can set money aside all year long so you’re ready for gifts, travel, and seasonal expenses.

Early Withdrawal Fee $10

Flexible Deposits

Deposit any amount, anytime - save at your own pace

Holiday Transfer

Funds automatically transfer to your regular savings account in mid-October, just in time for the holidays

Quarterly Dividends

Earn dividends credited and compounded quarterly

No Minimum

No minimum balance requirement

No Monthly Fees

No monthly fee

Vacation Club

Dreaming of a family vacation, a romantic getaway, or a road trip with friends? Start planning today by setting money aside and enjoy your travels even more knowing they’re paid for—debt-free.

Custom Savings

Choose how much to save and how often to deposit

No Minimum

No minimum balance requirement

Free Withdrawals

Free withdrawals whenever you need them

Quarterly Dividends

Dividends credited and compounded quarterly

No Fees

No monthly fee

Rates

Explore our latest savings rates and discover how your money can start working toward the moments that matter most.

View Rates

Secondary Savings

Secondary Share Savings makes it easy to set money aside for planned expenses or special purchases, all while staying accessible whenever you need it. It works just like a regular share account, with no minimum balance, no monthly fee, and monthly compounded dividends—plus the flexibility to save toward specific goals like remodeling, taxes, or education.

Open your secondary share account anytime through online banking, our mobile app, or in person at any of our six branches.

Open an Account