personal_savings

Personal Savings Accounts

Our savings accounts are intended to put a little extra in your pocket for those rainy days. With competitive interest rates and low minimum opening requirements, you can feel good about saving and watching your money grow, no matter where you are in life. Both of these savings options allow you to maintain liquidity so you can use your money whenever you need it most.1

If you’re not sure which account is right for you, please visit your local Solutions Center and meet with our Client Solutions Specialists. We’ll be happy to recommend a product based on your current habits and future goals.

personal_savings

LINK Savings1

LINK Money Market1

Minimum Opening Requirement

$200

$2,500

Minimum Balance

(to avoid maintenance fees)

$200

$2,500

Monthly Maintenance Fees

(if balance falls below minimum)

$5

$10

Interest Paid

Yes

Yes, tiered interest rates

Free Convenience Services

ATM Card
Online Banking
e-Statements
Sweep for Overdraft Protection on Your Checking Account2

ATM Card
Online Banking
e-Statements
Sweep for Overdraft Protection on Your Checking Account2

LINK Savings1

Minimum Opening Requirement

$200

Minimum Balance

(to avoid maintenance fees)

$200

Monthly Maintenance Fees

(if balance falls below minimum)

$5

Interest Paid

Yes

Free Convenience Services

ATM Card
Online Banking
e-Statements
Sweep for Overdraft Protection on Your Checking Account2

Minimum Opening Requirement

$2,500

Minimum Balance

(to avoid maintenance fees)

$2,500

Monthly Maintenance Fees

(if balance falls below minimum)

$10

Interest Paid

Yes, tiered interest rates

Free Convenience Services

ATM Card
Online Banking
e-Statements
Sweep for Overdraft Protection on Your Checking Account2

LINK Savings Account for Minors (age 18 and younger) requires $0 to open and monthly maintenance service charges won't apply until age 18.
Automatic Overdraft Protection via Sweep2

Be confident in your purchasing power when you connect a LINKBANK Money Market Account or Savings Account to your LINKBANK Checking Account as reinforcement. When you make a purchase that is more than the balance of your checking account, our Sweep service will pull the money from your designated reserve account to cover the amount of the transaction.

personal_savings

Certificates of Deposit (CD)3

Plan for your future with a Certificate of Deposit (CD) – either Traditional or IRA. You can be confident in a safe investment option that offers a guaranteed rate of return during the life of the CD. Simply choose the term that supports your short-term and long-term goals. (Available in 6 Month, 12 Month, 18 Month, 24 Month, 36 Month, 48 or 60 Month terms.)

And, connect your accounts to make your finances virtually maintenance free by opting to deposit your interest directly into a LINKBANK Checking Account or Money Market Account.

personal_savings
1. Federal regulation limits the number of transfers or withdrawals in a savings or money market account to six per statement cycle. Withdrawals and transfers include, but are not limited to bill payments, telephone transfers, ACH payments, drafts, and point of sale transactions. The regulation provides for unlimited in-person or ATM withdrawals and transfers. An excessive withdrawal fee will be assessed for transactions over this limit, according to the current fee schedule.
2. Automatic Overdraft Protection is available for your checking account by connecting a LINKBANK Money Market Account or LINKBANK Savings Account. Fees apply for each sweep; please refer to the current fee schedule for applicable charges.
3. Minimum daily balance to earn interest is $500. Early withdrawal penalties apply: 90 days interest for terms less than 12 months; 180 days interest for terms 12-35 months; 365 days interest for terms 36 months and above. All early withdrawal penalties are calculated on the amount withdrawn.