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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.

Online Banking
Manage your money anytime with free access to your accounts and online statements.

Money Market Accounts
With higher interest rates, our money market accounts combine the reliability of a savings account with the higher yields of a market investment.

Certificates of Deposit
Lock your money in for a set time period, and get the certainty of a fixed interest rate for the full term of the CD.

The No Hitch Switch
We can help you easily transition from your previous financial institution to your new account at Prospect Bank.  All you will need to do is provide information about your previous bank account, any automatic debits and direct deposits.  We have forms and checklists to help you with this process!

SAVINGS ACCOUNTS

EXPLORE SAVINGS

This Account Is Best For You If: You’re opening your child’s first account to teach them the basics of personal finance and help build a lifelong habit of saving.

Account Features:

  • Free online banking
  • No opening balance required
DREAM SAVINGS

This Account Is Best For You If: You’re just starting out working towards your savings goals, and want an account with all the basics and a low starting balance.

Account Features:

  • Free online banking
  • Opening balance of only $50
VISION SAVINGS

This Account Is Best For You If: You are serious about building cash reserves, and want to earn higher interest as your savings grows to meet your long-term goals.

Account Features:

  • Free online banking
  • Tiered interest earning based on account balance

MONEY MARKET ACCOUNTS

PROSPER MONEY MARKET

This Account Is Best For You If: You want to see your savings grow based on tiered interest rates and smart investments.

Account Features:

  • Free online banking
  • Tiered interest earning based on account balance

CD’S

PROMOTIONAL CD

This Account Is Best For You If: You’re seeking a low-risk way to help your money grow. Your savings will earn interest at a higher rate, although funds cannot be withdrawn “on demand.”

Account Features:

  • Higher APY percentages for current ECB customers
  • 12-48 month terms available
  • Up to 1.00% APY
  • Available for consumers, non-consumers and IRAs