Savings Accounts
Small steps. Big momentum.
Confidence grows here.
Saving isn’t about standing still. It’s about preparing to move boldly. Whether you’re building an emergency fund, saving for your first car, or planning something bigger, our savings accounts help you grow at your pace.
Savings Rates
Competitive rates
Save and earn based on your goals.
Safe and secure
Insured by NCUA.
Automatic savings
Pay yourself first. Set daily, weekly, or monthly deposits to grow your savings.
Overdraft protection
Oops happen. Link a savings to your checking account for uninterrupted spending.
Anytime account access
Your money when you need it. Online, by phone, or in person at over 30,000 ATMs nationwide.
Savings Account at a Glance
Your savings journey starts with membership. A Prime Savings account establishes your membership with First U.S. and gives you access to everything membership has to offer.
From there, you can add the savings account that best fits your goals.
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Best for…
Best for…
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Minimum deposit to open
Minimum deposit to open
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Monthly fee
Monthly fee
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Earns dividends/interest
Earns dividends/interest
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Overdraft protection
Overdraft protection
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Most popular:
Smart Start High Yield Savings
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Best for…
A high-yield boost to launch starter savings.
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Minimum deposit to open
$1
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Monthly fee
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Earns dividends/interest
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Overdraft protection
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Dream Savings
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Best for…
Create goal savings accounts to visualize progress for vacation, major
purchases, taxes and more. -
Minimum deposit to open
$1
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Monthly fee
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Earns dividends/interest
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Overdraft protection
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Youth Savings
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Best for…
Start a life-long love of savings for young members.
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Minimum deposit to open
$5
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Monthly fee
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Earns dividends/interest
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Overdraft protection
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Money Market Savings
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Best for…
Ladder your portfolio with easy access to funds, lower risk and stable returns.
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Minimum deposit to open
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Monthly fee
$7 (waived if balance is above $2,000)
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Earns dividends/interest
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Overdraft protection
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See our savings account rates.
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Balance |
APY* |
Rates |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|---|
|
*APY = Annual Percentage Yield. Rate = Dividend Rate. |
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Balance $0-$4,999 |
APY* 0.05% |
Rates 0.050% |
Minimum Balance to Open $5 |
Minimum Balance to Earn Dividends $100 |
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Balance $5,000+ |
APY* 0.10% |
Rates 0.100% |
Minimum Balance to Open $5 |
Minimum Balance to Earn Dividends $5,000 |
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APY* |
Rate |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|
|
*APY = Annual Percentage Yield. Rate = Dividend Rate. |
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|
APY* 0.05% |
Rate 0.050% |
Minimum Balance to Open $5 |
Minimum Balance to Earn Dividends $100+ |
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Balance |
APY* |
Rate |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|---|
|
*APY = Annual Percentage Yield. Rate = Dividend Rate |
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Balance $0-$2,000 |
APY* 4.00% |
Rate 3.928% |
Minimum Balance to Open $0 |
Minimum Balance to Earn Dividends $0 |
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Balance $2,000.01-$5,000 |
APY* 1.50% |
Rate 1.490% |
Minimum Balance to Open $0 |
Minimum Balance to Earn Dividends $2,000 |
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Balance $5,000.01-$10,000 |
APY* 0.25% |
Rate 0.250% |
Minimum Balance to Open $0 |
Minimum Balance to Earn Dividends $5,000 |
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Balance $10,000.01-$50,000 |
APY* 0.08% |
Rate 0.080% |
Minimum Balance to Open $0 |
Minimum Balance to Earn Dividends $10,000 |
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Balance |
APY* |
Rate |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|---|
|
*APY = Annual Percentage Yield. Rate = Dividend Rate. |
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Balance $0-$4,999 |
APY* 0.05% |
Rate 0.050% |
Minimum Balance to Open $1 |
Minimum Balance to Earn Dividends $100 |
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Balance $5,000+ |
APY* 0.10% |
Rate 0.100% |
Minimum Balance to Open $1 |
Minimum Balance to Earn Dividends $5,000 |
|
Balance |
APY* |
Rate |
Minimum Balance to Open |
Minimum Balance to Earn Dividends |
|---|---|---|---|---|
|
*APY = Annual Percentage Yield. Rate = Dividend Rate. |
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|
Balance $0-$24,999 |
APY* 0.65% |
Rate 0.650% |
Minimum Balance to Open $2,000 |
Minimum Balance to Earn Dividends $2,000 |
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Balance $25,000-$99,999 |
APY* 1.65% |
Rate 1.638% |
Minimum Balance to Open $2,000 |
Minimum Balance to Earn Dividends $25,000 |
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Balance $100,000-$249,999 |
APY* 1.70% |
Rate 1.687% |
Minimum Balance to Open $2,000 |
Minimum Balance to Earn Dividends $100,000 |
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Balance $250,000-$499,999 |
APY* 1.95% |
Rate 1.933% |
Minimum Balance to Open $2,000 |
Minimum Balance to Earn Dividends $250,000 |
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Balance $500,000+ |
APY* 2.15% |
Rate 2.129% |
Minimum Balance to Open $2,000 |
Minimum Balance to Earn Dividends $500,000 |
How much can you save?
Let’s get started.
Every deposit is a step forward, and we’re here for each one.