With the SmartStart Savings, there are NO early withdrawal penalties or minimum balance requirements.

We offer a free debit card with a checking account. SmartStart is a savings account and does not include a debit card. However, you can conveniently manage and access your funds through online banking, our mobile app, and in-branch services—ensuring your savings are always within reach.

*APY = Annual Percentage Yield. APY is accurate as of 1/1/2025. The rate and APY may change without notice. Fees may reduce earnings on your account. No minimum to open and no minimum balance. Limit of one (1) SmartStart Savings Account per member (per SSN). Interest is paid at tier rates on the balances within each tier. Total interest paid is the sum of interest earned from each balance in each tier. Each rate will apply only to the portion of the account balance within each tier and not the entire account balance. Actual Annual Percentage Yield is a blended APY of all applicable tiers. Withdrawing funds before one year will result in a different realized rate. Membership required. All rates, terms, and conditions are subject to change without notice. By members’ choice, your funds are insured by American Share Insurance up to $250,000 per account. This institution is not federally insured.