Personal Savings Accounts

Helping You Reach Your Savings Goals

At Municipal Bank, we make it easy to build your savings and plan for what’s ahead. Whether you’re saving for future goals or unexpected expenses, every dollar counts. With automatic transfers from your checking account, growing your savings becomes effortless and consistent.

Stop by any branch to open an account or learn more.

Personal Savings Account Options

*All savings accounts subject to $50 early close fee if closed within first 6 months.

*Statement Savings

  • $300.00 minimum deposit to open
  • $6.50 monthly service charge waived with $300 daily minimum balance

*Minor Statement Savings

  • $25 minimum deposit to open
  • $4 monthly service charge waived with $25 daily minimum balance
  • 18 and under to qualify. Converts to Statement Savings at age 19

*Christmas Club Savings

  • $25 minimum deposit to open
  • No Early Withdrawals
  • Additional deposit account relationship required

*24K Savings Account

  • $2,500.00 minimum deposit to open
  • $25 monthly service charge waived with $2,500 daily minimum balance

Personal Savings Rates

*APY- Annual Percentage Yield. Rates subject to change at anytime without notice.

**Interest on Christmas club accounts compounds annually.

Minor Savings

0.03% Interest Rate / 0.03% APY*

Statement Savings

$300-$24,999.99 Balance
0.03% Interest Rate / 0.03% APY*

‍$25,000+ Balance
0.04% Interest Rate / 0.04% APY*

24K Savings Account

$2,500-$24,999.99 Balance
0.25% Interest Rate / 0.25% APY*

$25,000-$74,999.99 Balance
0.40% Interest Rate / 0.40% APY*

$75,000-$149,999.99 Balance
0.50% Interest Rate / 0.50% APY*

‍$150,000+ Balance
0.70% Interest Rate / 0.70% APY*

Christmas Club Savings

0.03% Interest Rate / 0.03% APY**

Online Banking Made Simple

Securely manage your accounts, anytime, anywhere.

Log in