Smart Saver
Grow your savings at a rate that makes sense for you and your financial goals. Our new Smart Saver Account helps you save more from the very beginning!
Open Smart Saver
Smart Saver Account
Earn Money on Your Savings
Our Smart Saver Account powers your smaller balances with bigger yields! Get the highest rate of return on balances up to $2,500. After that, you’ll continue to receive a high yield on every dollar.
You can make deposits at any time and have flexible access to your money whenever you need it.
- No monthly service fees
- No minimum opening deposit or minimum balance
- Competitive dividend rate
Existing members will log into Online Banking and select Additional Services, then Account Services. From here you will select Add a Share, then click on Savings. Pick the new Smart Saver Account and follow the remaining steps. It is that easy!
Not a member of People First?
You will need to open our Primary Share/Savings Account first with a minimum $5.00 balance.
Smart Saver Reverse Tier Calculator
Blended APY†
0%
First Year Earnings
$0.00
What You’ll Earn
| Deposit Tiers** | APY† | |
|---|---|---|
| $0 – 2,499.99 | $2,500.00 | 3.50% |
| $2,500 – $4,999.99 | $2,500.00 | 1.25% |
| $5,000 – $9,999.99 | $5,000.00 | 0.50% |
| $10,000+ or greater. | $40,000.00 | 0.25% |
*The Smart Saver Reverse Tier Calculator is for illustrative purposes only and does not reflect the actual results of specific deposit amounts. Interest paid at tier rates on balances within each tier. Total interest paid is the sum from each tier. Blended APY†shown assumes the amount entered is in the account for one year. Withdrawing funds before one year will result in a different realized rate.
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Smart Saver FAQs
The Smart Saver account is designed to give your smaller balances a big boost. You earn our highest APY on the first $2,500 in your account (balances from $0 to $2,499.99), ensuring your savings grow quickly and immediately from the moment you open the account.
The reverse tier structure means your balance earns interest based on a tiered calculation, resulting in a blended APY.
No. The Smart Saver Reverse Tier account has no monthly service fees and no minimum opening deposit or minimum balance requirement. You can also make deposits and access your money whenever you need it.
Disclosures
While our Holiday, Vacation, and Special Savings Accounts are like our Primary Savings Accounts, you cannot access these accounts with a Visa® Debit Card.
For more information, please view our Courtesy Pay Disclosures.