Selfie of a man and a woman on a motorcycle.

Personal Savings

You'll find an account for your way to save - from the youngster just starting, to those saving for a new ride, home down payment, rainy day, emergencies, or retirement.
Money Market Advantage
This account offers an attractive interest rate for maintaining larger balances.


  • Monthly interest.
  • 6 FREE debits per month.
  • FREE online transfers from a Friendship checking account with digital banking.
Deposit to Open: $5,000 
 
Minimum Balance: $5,000
$10.00 monthly charge if the balance falls below $5,000.00 during the month.

This account earns a tiered interest rate. Interest is paid monthly. For current rates, click here.
 
A $5.00 per debit service fee applies per debit over 6 per month.


Passbook Savings
Easy access to funds while building your savings.


  • Quarterly interest.*
  • 9 FREE debits per quarter.**
  • FREE online transfers from a Friendship checking account with digital banking.
Deposit to Open: $100

Minimum Balance: None

*There is a $100.00 minimum balance required to earn interest.  For current rates, click here.

**A $2.00 per debit service fee applies per debit over 9 per quarter.

Kid$ave
Teach your children about responsible savings and how banking works.


  • Ages 0-17.
  • Quarterly interest.
  • 9 FREE debits per quarter.
  • VIP invitation to annual Kid$ave special events. 
  • Special gift for milestone birthdays.
Deposit to Open: $1
 
Minimum Balance: None
 
*This is a custodial account. An adult (over 18) is required to be on the account and is exclusively authorized to withdraw funds from the account until the child turns 18. Contact us for full details. 

This account earns a variable rate. For current rates, click here.

A $2.00 per debit service fee applies per debit over 9 per quarter.

Christmas Club
Save for the holidays or jump start a  new savings goal.

open account now

  • Runs from November through the following October.
  • Deposit as little or as much as you want any time. 
  • Quarterly Interest.*
  • Removes temptation by limiting access to funds.**
  • FREE online transfers from a Friendship checking account with digital banking.
Deposit to Open: $25
 
*This account earns variable rate of interest that is paid quarterly. For current rates, click here.

**Funds may not be withdrawn from this account before October.

Your account balance plus interest is mailed or automatically deposited to an account the last week of October.