Real Saver

Don't let day-to-day checking activity deplete your plans to save. Give your Reward Checking earnings a peaceful place to grow. Real Saver is a free account that automatically links to your free Reward Checking account. Earn 1.00% APY* on Real Saver, as your rewards from Reward Checking automatically transfer in each month that you qualify. Sign up for these accounts today, and watch your savings grow!

  • Linked to free Reward Checking account
  • Automatic transfers of Reward Checking earnings
  • 1.00% to 0.50% APY on balances over $50,000 depending on balance in account*
  • 0.50% APY* on amount of balance over $50,000
  • 0.05% APY* if qualifications aren't met on Reward Checking
  • Build savings automatically
  • Reward Checking rewards automatically transfer to Real Saver
  • No monthly service
  • No minimum balance requirement to earn rewards
  • Free online banking
  • Free monthly eStatements
  • Low $25 minimum deposit to open

See our current rates.


Qualifying for the Reward Checking rewards automatically qualifies you for the highest Real Saver rate too. To earn your rewards, simply do the following activities and transactions in your Reward Checking account each monthly qualification cycle:

  • Be enrolled and receive eStatement notices
  • Be enrolled and log into online banking
  • Have at least 10 debit card transactions post and settle

Best of all, there's no fee for coming up short, and you still earn the base rate of interest on both accounts. Plus, you'll be eligible to earn the full rewards the very next month!

*APY = Annual Percentage Yield. APYs accurate as of 09/01/2013. Rates may change after account is opened. Minimum to open is $25 for Reward Checking and $10 for Real Saver. For Reward Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.50%; and (3) balances over $25,000 earn 0.50% interest rate on portion of balance over $25,000, resulting in a range of 2.50% to 0.50% APY, depending on the balance. If qualifications are not met on Reward Checking, all balances earn 0.05% APY. Qualifying transactions must post to and settle Reward Checking during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Reward Checking APY is based on compounding interest. Interest earned in Reward Checking is automatically transferred to Real Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Reward Checking APY. The Real Saver APYs may be less than the Reward Checking APYs. If qualifications in Reward Checking are met each monthly qualification cycle: (1) balances up to $50,000 in Real Saver receive an APY of 1.00%; and (2) balance over $50,000 in Real Saver earn 0.50% interest rate on portion of balance over $50,000, resulting in a range of 1.00% to 0.50% APY depending on the balance. If qualifications are not met in Reward Checking, all balances in Real Saver earn 0.05% APY.

Real Saver