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Personal Savings

We can help you reach your goals. Whether it’s extra money for a big splurge or building up reserves for the unexpected.

  • PinnSave Personal Savings Account

    Whether you have a goal in mind (Vacation? New furnace? Nest egg?) or you just want to get in the habit of saving more, if you have $100 you can get started. This account is affordable—in fact it’s free if you keep your balance above $100 and make less than six debits per month—yet offers a competitive interest rate. And as we’ve done for over 75 years, you can count on us to do everything we can to help you meet you financial goals.

    Whether this is your first savings account or you’re already practiced at building up you balance, this account is perfect for you. There is no monthly fee if you keep your balance above $100 and make only six withdrawals per month. Interest is accrued each day and paid quarterly, based on your daily average balance. For more information on interest rates, come on in and ask to see the deposit rate sheet.

    The fees are really affordable and very straightforward. There is a $1 monthly maintenance fee if your account dips below $100, and a $1 charge for each withdrawal if you have to make more than six in a month.

    One thing that may be important to note is that “pre-authorized transfers” are limited to six per month or statement cycle. This includes automatic, telephone and online transfers; checks, drafts or similar transactions to third parties.

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  • Features


    No fees with a minimum balance and less than 6 debits per month


    Earn interest to increase your savings even faster


    Get started with as little as $100


    We want to help you meet your financial goals


    0.01% APY

  • Savings Calculator

    Please enter a value between 1 and 9,999,999.
    Please enter a value between 1 and 9,999,999.
    Please enter a value between 0 and 5.
    Please enter a value between 1 and 99.
    Calculate Recalculate


    Your investment will be worth $ after years.

    This calculator is to be used for estimation purposes only. Years to reach saving goals are based on interest compounded monthly. We are showing you your potential account balance based on the amount invested, selected interest rate and length of time you choose to grow your savings. Since it is up to customers to correctly input rates and terms the financial institution is not responsible for its accuracy and the results are not guaranteed.

  • FAQs

    • Q How is the interest on my account calculated?

      Your account earns interest daily but interest is paid quarterly on the average daily ledger balance. For more information about interest rates, ask to see the deposit rate sheet.
    • Q How can I access my money?

      If you have a checking account with us, you can link your savings account to the debit card you use to assess your checking account. You can also access you account online and transfer funds.

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