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Community Saver

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Community Saver

Community Saver is a free, high-interest savings account that can be linked to your free Community Cash account. They work together so that the interest you earn on your checking account is automatically deposited into your Community Saver account every month! But that's not all. Your Saver account also piles 0.50% APY* on top of that; so you can sit back, relax and watch your savings grow.

  • Linked to free Community Cash account
  • Automatic transfers of Community Cash rewards
  • 0.50% APY* on Community Saver balances if qualifications are met on Community Cash
  • 0.05% APY* if qualifications are not met on Community Cash
  • No monthly service fee
  • No minimum balance
  • Free online banking
  • Free eStatements


To easily grow your savings with 1.00% APY* from Community Cash & 0.50% APY* from Community Saver do the following each monthly qualification cycle:

  • Have at least 12 signature-based Debit Card purchases post and clear
  • Have at least 1 automatic payment or direct deposit post and clear
  • Receive e-statements

If you miss a month, don't worry!

There's no penalty for not qualifying in a given monthly qualification cycle and the accounts are still free. Plus you'll still earn a base rate of 0.05% APY* on your Community Cash account which will be automatically deposited into your Community Saver account which will also earn earn a base rate of 0.05% APY*. You can get right back to making 1.00% APY* on your free Community Cash checking account and earning 0.50% APY* on your free Community Saver account plus enjoy ATM fee refunds** the next cycle you qualify.


*APY=Annual Percentage Yield. APYs accurate as of 12/15/2012. Rates may change after account is opened. For Community Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 1.00%; and (3) balances over $10,000 earn 0.25% interest rate on the portion of the balance over $10,000, resulting in 1.00% - 0.25% APY depending on the balance. If qualifications are not met on Community Cash all balances earn 0.05% APY. Qualifying transactions must post to and clear Community Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear account. "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. The advertised Community Cash APY is based on compounding interest. Interest earned in Community Cash is automatically transferred to Community Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Community Cash APY. The Community Saver APYs may be less than Community Cash APYs. If qualifications in Community Cash are met each monthly qualification cycle: (1) balances in Community Saver receive an APY of 0.50%. If qualifications are not met on Community Cash, all balances in Community Saver earn 0.05% APY. Limit two accounts per household. Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

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