Ready to save? Let us do the hard work for you. Enjoy automatic checking reward transfers — and earn up to 0.55% APY on your balance.

Key Features

  • Automatic Savings
  • High Interest
  • No Monthly Maintenance Fee
  • Free account that builds your savings effortlessly
  • Links to Free Rewards Checking or Free Cash Back Checking
  • Automatic transfers of Free Rewards Checking or Free Cash Back earnings
  • 0.55% APY on balances up to $100,000
  • 0.55% to 0.40% APY on balances over $100,000 depending on the balance in account
  • 0.05% APY if qualifications are not met in Free Rewards checking or Free Cash Back checking
  • No minimum balance to earn rewards
  • No monthly maintenance fees
  • Free digital banking services, including:
    • Free online banking
    • Free mobile banking
    • Free eStatements
  • $100 minimum deposit to open

Easily Qualify For The Higher Rate

Qualifying for your Free Rewards Checking or Free Cash Back rewards automatically qualifies you for the highest Free Linked Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Free Rewards or Free Cash Back account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • Be enrolled in and agree to receive eStatements

That's it. Even if you don't meet your qualifications during the cycle, your Free Rewards accounts are still free. Plus, you'll still earn our base interest rate on Free Linked Saver. And you can get right back to earning your full rewards the very next month!

Monthly Qualifications Report (PDF)

Free Rewards + Free Linked Saver

APY=Annual Percentage Yield. APYs accurate as of 10/01/2021. Rates may change after account is opened. When your Free Rewards account qualifications are met during a Monthly Qualification Cycle: domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle, daily balances up to and including $25,000 in your Free Rewards account earn an interest rate of 1.24% resulting in an APY of 1.25%; and daily balances over $25,000 earn an interest rate of 0.25% on the portion of the daily balance over $25,000 resulting in a range from 1.25% to 0.45% APY depending on the account's daily balance. When linked to the Free Linked Saver account: (a) the interest earned within the Free Rewards account does not compound since it is automatically transferred to the Free Linked Saver account within one business day of being credited to the Free Rewards account. (b) Actual interest amount paid may be less than the advertised Free Rewards APY if represented with a linked Free Linked Saver account because of non-compounding, the non-compounding rates would be 1.24% to 0.45%. (c) Automatic transfer may cause an overdraft to your Free Rewards account if the account's balance is less than the transferred amount when transfer occurs. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means 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. If qualifications in Free Rewards are met each monthly qualification cycle: (1) balances up to $100,000 in Free Linked Saver receive an APY of 0.50%; and (2) balances over $100,000 in Free Linked Saver earn 0.25% interest rate on the portion of the balance over $100,000, resulting in 0.55% - 0.40% APY depending on the balance. APY range is calculated assuming maximum balance of $200,000. If qualifications are not met on Free Rewards, all balances in the Free Linked Saver earn 0.05% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. 

 

Free Cash Back + Free Linked Saver

APY=Annual Percentage Yield. APYs accurate as of 10/01/2021. Rates may change after account is opened. When monthly qualifications are met, you will receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $6 per monthly qualification cycle. Domestic ATM fees incurred using Free Cash Back debit card during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Qualifying transactions must post to and settle account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means 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. Free Cash Back rewards will be credited to your Free Linked Saver account on the last day of the monthly statement cycle. If qualifications in Free Cash Back are met each monthly qualification cycle: (1) balances up to $100,000 in Free Linked Saver receive an APY of 0.55%; and (2) balances over $100,000 in Free Linked Saver earn 0.50% interest rate on the portion of the balance over $100,000, resulting in 0.55% - 0.40% APY depending on the balance. APY range is calculated assuming maximum balance of $200,000. If qualifications are not met on Free Cash Back, all balances in the Free Linked Saver earn 0.05% APY. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Fees or withdrawals could reduce earnings. For Free Linked Saver, a depositor may make no more than six covered transfers or withdrawals per statement cycle.

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