Security Saver

Qualification Information: 

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.  

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle.  

See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.  

Reward Information: 

Depending on what Security checking account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle: 

Security Saver: daily balances up to and including $25,000 in your Security Saver account earn an APY of 2.00% and daily balances over $25,000 earn an interest rate of 0.1499% on the portion of the daily balance over $25,000, resulting in a range from 2.00% to 0.52% APY depending on the account's daily balance. 

Depending on your reward checking account, when your qualifications are not met, cash back payments are not made and: 

Security Saver: the entire daily balance in the Security Saver account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05%. 

Interest will be credited to your Security High Yield Checking and Security Saver accounts on the last day of the current statement cycle. 

If Security High Yield Checking or Security Cash Back Checking are linked to Security Saver, the following also apply: 

Security High Yield Checking: When linked to a Security Saver account, the interest earned within the Security High Yield Checking account does not compound since it is automatically transferred to the Security Saver account within one day. This automatic transfer may cause an overdraft to your Security High Yield Checking account, if the account balance is less than the transferred amount when the transfer occurs. 

Security Cash Back Checking: When linked to a Security Saver account, the cash back payments earned in your Security Cash Back Checking account will be credited to your Security Saver account on the last day of the current statement cycle. 

APY = Annual Percentage Yield. 

APYs accurate as of 1/27/2026. 

APY calculations are based on an assumed balance of $25,000 + $100,000 in your Security Saver account and an assumed statement cycle of thirty-one (31) days. 

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. 

Additional Information: 

Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. 

$25.00 minimum deposit is required to open the Security High Yield Checking or the Cash Back Checking account.  

$25.00 minimum deposit is required to open the Security Saver account.  

Enrollment in electronic services (e.g. online banking) may be required to meet some of Security Saver's linked Security High Yield Checking or Security Cash Back Checking account's qualifications. 

Limit of 1 account(s) per social security number. 

There are no recurring monthly maintenance charges or fees to open or close this account. 

To have a Security Saver account, a linked Security High Yield Checking or Security Cash Back Checking account is required. 

A linked Security Saver account is required for automatic savings. 

Advertised information and rewards are based on all account qualifications being met during each cycle period. 

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. 

Member FDIC.