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Personal Savings Accounts

Stellar personal savings accounts can help you build a strong financial foundation, so you can save up for unexpected costs and have the means to pursue your plans.

We Empower You To Thrive

Yes, we’d love to help you open the right Stellar savings account to meet your needs, but it goes deeper than that. We want to be your long-term financial resource, giving you personal service, expert guidance, online tools and easy access to help you reach your goals and succeed.

An Account For Every Need
  Personal Savings Youth Savings Personal Money Market Certificate of Deposit Individual Retirement Accounts (IRA)
Minimum Balance to Open $200 $25 $2,500 $1,000 $500
Monthly Service Charge $5 N/A $15 N/A N/A
How to Avoid a Service Charge $200 minimum balance N/A $2,500 minimum balance N/A N/A
Per Fee Items $5 fee per transaction in excess of 6 not-in-person debits per statement cycle $5 fee per transaction in excess of 6 not-in-person debits per statement cycle $5 fee per transaction in excess of 6 not-in-person debits per statement cycle N/A N/A
Minimum Balance for APY $0.01 $0.01 $0.01 N/A N/A
Interest Compounding and Crediting Interest is compounded and credited quarterly Interest is compounded and credited quarterly Interest is compounded and credited monthly Current rate sheet Current rate sheet
Miscellaneous N/A N/A N/A Terms available from 3 months to 60 months Terms available from 12 months to 60 months
Complimentary Benefits Online and Mobile Banking / Debit Card / eStatements Online and Mobile Banking / eStatements Online and Mobile Banking / Debit Card / eStatements Online and Mobile Banking (View Only) Online and Mobile Banking (View Only)
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Special CD Rates

4.58% APY* 7-Month CD | 4.37% APY* 11-Month CD

The smartest savers don’t just put money aside. They make that money earn and grow as much as possible. If you have some cash that you don’t need to access right away, Stellar CDs can help you make the most of it. Contact your banker to open a CD.

*Effective June 5, 2023. Rates subject to change without notice. $10,000 minimum opening balance required to earn Annual Percentage Yield (APY). Interest compounds quarterly. 7-Month CD: Interest paid quarterly with final payment for remaining month. 11-Month CD: Interest paid quarterly with final payment for remaining two months. Penalty may be imposed for early withdrawal. Fees could reduce the earnings on the account. Limited time offer. Not eligible for public funds.

All The Right Connections For Easier Banking

Open a Stellar personal savings account, and you have the power to do everything you need.

  • Access funds easily through online and mobile banking
  • Link all your accounts
  • Set up automatic transfers
  • Set up overdraft protection
  • Save paper and clutter with eStatements

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Bank Your Way, Anytime, Anywhere

With the Stellar Bank Mobile App, your Apple® or Android® device instantly becomes your nearest bank location. And it’s open 24/7/365. Make deposits. Pay bills. Transfer funds. Track your account activity to the minute. It couldn’t be easier. Contact a Stellar Banking Center to learn more or click below from your mobile device to download the app now. 

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The Support You Need To Fight Fraud

Fraud is on the rise, and we’re here to help you protect yourself. There are many precautions you can take, but the most important one is also the simplest: guard your information. Never share account numbers, passwords, PINs or any other account information by phone, text or email.

Learn About Protecting Yourself From Fraud

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Open a Personal Account

Meet with your local Stellar Banker to open a personal savings account today.

Get Started

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What to Bring

When you open a new account, be sure to bring the following items:

For Personal accounts bring your:

  • Valid driver's license for account signers
    • OR permanent resident alien card (AKA green card)
    • OR current and valid passport
  • Social Security Number (card not required)
  • New bank customers must be present to open an account

Find a Stellar Banking Center

We’re here for you, when and where you need us. You can make an appointment, or if you’d like to just walk in, that’s great too.

See our Locations

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More Ways We Can Support Your Needs

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Checking

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Digital Wallet

Learn More

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Online Banking

Learn More

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Local People Who Are Ready to Help

We’re here for you, when and where you need us. You can call us anytime. You can make an appointment to meet at one of our banking centers. Or you can just stop by whenever it’s convenient.

Connect with a Stellar Banker Find a Stellar Banking Center

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