Savings options that work with your goals

Whether you're building an emergency fund, saving for something special or looking to earn more on your money, St. Mary's Bank has savings accounts designed to help you reach your goals. From High Yield Savings and everyday savings to automated savings options, we'll help you make every dollar work harder.
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Find Your Best Savings Fit

Explore all your options.

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High Yield Savings

Grow your money faster with a great premium rate while keeping it safe and easy to access anytime you need it. Get more details >

  • Get the best savings rate on your balance
  • No monthly service fee
  • No minimum to earn interest
  • Requires a St. Mary's Bank checking + direct deposit*
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Beyond Savings and Beyond Rewards Savings

Beyond Savings
Keep it simple and grow your savings while maintaining control over your money.

  • Monthly service fee waived when you complete one monthly direct deposit or maintain a minimum daily balance of $250
  • Fees are automatically waived for members under 21 and over age 62

Beyond Rewards Savings
Pair your savings with a Beyond Rewards Checking to enjoy competitive interest rates and no monthly service fees.

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Rainy Day Savings

Kick Start and Automate Your Savings.
Turn your what’s next into reality with a premium rate that grows every dollar toward your biggest financial goals.

  • Top rates on your first $500 and $1,000
  • Only $25 to get started
  • Requires a monthly $25 direct deposit to keep grow your savings
  • One fee-free withdrawal per month
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Just for Kids—Super Saver Account

Big goals start small. The Super Saver Account gives children 12 and under the tools to learn financial responsibility, build healthy habits, and grow their savings with confidence.

  • Premium interest rates
  • No minimum daily balance or fees
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Compound Savings Calculator

Our savings calculator helps you quickly set a goal, project your growth, and build a clear plan to reach what’s next.

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Don't have online banking yet?

Explore the ease of managing your finances on your terms with digital banking.
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Health Savings Account

Set aside money on a pre-tax basis to pay for qualified medical expenses. Our Health Savings Account moves with you through job or insurer switches. Unused balances automatically roll over.

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FAQs

What age can my child open their first account?
Children ages 12 and under can open a Youth Savings Account with a parent/guardian. At age 13, teens can transition to Student Checking (with adult cosigner if under 18) through age 25. 
Can I open any personal St. Mary's Bank checking account to qualify for the High Yield Savings premium rate?

Most St. Mary's Bank personal checking accounts qualify—only exception is a Health Savings Account (HSA).

You'll also need to receive at least $1,500 in qualifying recurring monthly direct deposits into your St. Mary's Bank checking account to earn the premium savings rate.
I already have a St. Mary's Bank checking account. Do I need to open a new checking account to qualify for the High Yield Savings premium rate?
No. If you already have a St. Mary's Bank checking account, you do not need to open a new one to qualify for the premium High Yield Savings rate.

To earn the premium rate, simply receive at least $1,500 in qualifying recurring monthly direct deposits into your existing St. Mary's Bank checking account. New High Yield Savings account holders have up to two statement cycles to establish qualifying direct deposits. If qualification requirements are not met after two statement cycles, the account will earn the standard savings rate until requirements are satisfied.
How much interest can you earn on a high-yield savings account?

The amount of interest you can earn depends on your account's APY and your balance. As of July 2026, with the national average savings rate at 0.38% APY per the FDIC and top high-yield accounts paying several times more, the difference can be meaningful. On a $10,000 balance, a 0.38% account earns about $38 a year, while a 4.00% account earns about $400 a year. Because high-yield savings rates are variable, your actual earnings will change over time as rates change.
How many high-yield savings accounts can you have?
There is no legal limit to the number of high-yield savings accounts you can open, and you can have accounts at more than one financial institution. Some people choose to open multiple accounts to organize savings for different goals or to spread balances across institutions to stay within the $250,000 federal insurance limit per institution. Individual financial institutions may also have their own limits on the number of accounts you can open.
What is a high-yield savings account and how is it different from a regular savings account?
A high-yield savings account works the same way as a regular savings account, but it typically pays a much higher APY. A regular savings account at a large national bank may pay close to the 0.38% national average, or as little as 0.01%, while a high-yield account may pay several times more. Both are federally insured, and both give you access to your money. The biggest difference is how much interest your savings have the potential to earn.
How do I access my free credit score?
Log in to online banking and look for Credit Dashboard. You'll find your credit score, full credit report, monitoring alerts, and tips to help improve your score.

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