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Personal Savings Accounts

SAVING IS KEY TO FINANCIAL HEALTH.

Whether you’re saving towards a goal like a new car or a home remodel, or you’re building a nest egg or an emergency fund, our personal savings accounts will help you achieve your goals. We know everyone’s needs are different, so we’ll work with you to help pick the account type that suits yours.

Personal Savings Accounts

Prospect Daydreamer – OPEN NOW

A savings account for anyone looking to save for the future or emergency expenses

  • Earn interest quarterly on entire balance at tiered rates
    • $0.01 to $4,999.99
    • $5,000.00 and over
  • $50 opening deposit required
  • $5 monthly service charge if average balance falls below $50
  • $2 paper statement fee (waived if eStatements or statement is combined with another paper statement)
  • $3 fee per withdrawal over 4 per month (withdrawals include but are not limited to ACH, in person, or online)

Prospect Apprentice – OPEN NOW

A savings account for kids up to the age of 18

  • Parent or guardian must have a deposit account with the bank and be a signer on the child’s account
  • Earn interest quarterly on entire balance at tiered rates
    • $0.01 to $4,999.99
    • $5,000.00 and over
  • No minimum opening deposit amount required
  • No minimum average balance required
  • $3 fee per withdrawal over 4 per month (withdrawals include but are not limited to ACH, in person, or online)

CLUB ACCOUNTS

Vacation Club – OPEN NOW

A savings account designed to save money for your next dream vacation

  • $1 opening deposit required
  • No minimum average monthly balance required
  • Interest earned on entire account balance credited at end of club period
  • Regular monthly deposits must be made through Automated Funds Transfers up to $1,000 per month
  • $20 early close fee if funds are withdrawn prior to end of club period (generally April 15th)

 

Christmas Club – OPEN NOW

A savings account designed to save money for Christmas

  • $1 opening deposit required
  • No minimum average monthly balance required
  • Interest earned on entire account balance credited at end of club period
  • Regular monthly deposits must be made through Automated Funds Transfers up to $1,000 per month
  • $20 early close fee if funds are withdrawn prior to end of club period (generally October 15th)