Personal Savings Accounts

3.55% APY OR HIGHER!

Our 12-month intro rates on a Market Monitor account vary by region.

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CD RATES AT 4.68% APY

Get a predictable return. Open a 15-month or a 9-month CD and earn 4.68% APY.¹⁰

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OPEN A SAVINGS ACCOUNT TODAY

Earn interest on your money while maintaining financial liquidity.^1,8

Choose Your Account

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SPECIALIZED SAVINGS ACCOUNTS

We have money market accounts, accounts for kids, even a Christmas Club!

See Your Options

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STRATEGIC SAVINGS OPTIONS

IRAs and CDs — we have you covered.

Check It Out

View Savings Rates

Putting money aside for your future takes commitment and discipline. But it’s worth it. We offer a variety of savings options, to help you meet your short- and long-term goals.

Traditional Savings Accounts | Specialized Savings Accounts | Strategic Savings Options | Our Savings Calculators | View Savings Rates

Our Most Popular Savings Options

BASIC SAVINGS

Open Account

A great basic savings account.^1,6
- Earn interest
- Avoid $4 monthly service fee by keeping a minimum balance of $300
- Enjoy convenience of online and mobile banking,³ direct deposit and an ATM card
Learn More
Open Now
SAVINGS PLUS

Make an Appointment

If you’re just starting out.^1,2
- Earn interest
- No minimum balance with EZ Save automatic savings plan
- Requires an First Metro Checking Account
- Enjoy convenience of online and mobile banking,³ direct deposit and an ATM card
Learn More
Open in Branch
SELECT SAVINGS

Make an Appointment

When you save more, you earn more.^1,6
- Tiered interest⁸ based on your balance
- Avoid $4 monthly service fee by keeping a minimum balance of $300 and have an First Metro Checking Account and debit card
- Enjoy the convenience of online and mobile banking,³ direct deposit and an ATM card
Learn More
Open in Branch
MARKET MONITOR

Account Opening Options

Put your money to work with a money market savings account.¹
- Tiered interest⁸ rate paid and compounded monthly
- Avoid monthly service charge with a $5,000 minimum daily balance, otherwise $20/mo.
- Limited check writing for easy account access
- Standard Market Monitor rates available online or visit your local branch for promotional rates
Learn More
Account Opening Options

Our Specialized Savings Accounts

KIDS START SAVINGS

Make an Appointment

Teach kids about saving in a fun way.¹
- Tiered interest⁸ based on balance
- No minimum balance requirement
- No monthly service charge
- For those 18 and under
Learn More
Open in Branch
CHRISTMAS SAVINGS CLUB

Make an Appointment

An account to help you budget for the holidays.^1,7
- Earn a tiered-interest⁸ rate on balances of up to $2,499.99 and $2,500 and up
- No minimum balance requirement or monthly service charge
Learn More
Open in Branch

Our Strategic Savings Accounts

CERTIFICATES OF DEPOSIT

Make an Appointment

Save securely with a predictable rate of return.⁴
- Start with as little as $500 or as much as $500,000
- Choose from a variety of terms – short or long
- Diversify your savings portfolio or save for a specific goal
Learn More
Open in Branch
INDIVIDUAL RETIREMENT ACCOUNTS

Make an Appointment

Prepare for the retirement of your dreams.^4,5

Traditional IRAs:
- Grow earnings tax-deferred
- Make contributions with possible tax deductions
Learn More

Roth IRAs
- Withdraw contributions tax-free at anytime
- Tax-deferred earnings can be withdrawn tax-free for qualified purposes
Learn More
Open in Branch

Savings Calculators: Get Your Questions Answered!⁹

How much could my savings be worth?

How could I build a savings plan?

How long will it take to reach my savings goal?

How much do I need to deposit monthly to reach my savings goal?

How can I benefit from a CD ladder?

Which savings option could earn more if rates go up?

Have savings account questions?
Email us to request more information. An ONB team member will contact you.

Request Info

Related Services
More ways we help you with your finances.

Checking Accounts

Online and Mobile Banking

Direct Deposit

Home Loans

Other Loans

How Can We help?
Thank you for your inquiry. We will contact you as soon as possible to provide information. If you choose to open an account, the information you enter below will help us to start the process.

*Please do not include sensitive information such as password, PIN number, Social Security number or account number.

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Last Name

Address

City

State

Zip

Phone

I am interested in learning more about: Savings Accounts CDs IRAs Money Market Accounts Investments Other

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More About the Value of Saving

4 MONEY MYTHS AND HOW TO TACKLE THEM

Many people put off their money goals until later. Achievement happens when you start now. Learn how.

Start Your Journey

MAKE A SAVINGS 101 PLAN

Stop living paycheck-to-paycheck and build for your future.

Learn How

6 TIPS TO BUILD SAVINGS, EVEN WITH STUDENT LOANS

Setting goals and developing a plan to get there are crucial. Learn how to do it!

Get 6 Tips

Connect With Us

Find Us

Schedule an Appointment

info@firstmetrobk.com

¹ $50 minimum opening deposit required. If account is closed within 180 days, a $25 fee will be assessed.
² No monthly service charge with EZ Save automatic transfers from any First Metro checking account.
³ Mobile Banking requires that you download the Mobile Banking app and may only be available for select mobile devices. First Metro Finance does not charge any fees to use mobile banking; however, there may be message and data rate charges associated with data usage on your phone.
⁴ An early withdrawal penalty may be assessed and may decrease earnings.
⁵ Consult a tax advisor for guidance on how the features of this product may impact you and your personal finances.
⁶ Balance of $300 required to avoid $4.00 monthly service charge, plus $2.00 per debit item over 3 monthly charges.
⁷ Fee of $15 per customer withdrawal.
⁸ For interest-bearing accounts, the interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account periodically. Interest begins to accrue no later than the business day we receive credit (collected funds) for the deposit of noncash items (for example checks). If the account is closed before interest is credited, you will not receive the accrued interest.
⁹ Rates are subject to change daily. Contact your First Metro Financeer for current rates.
¹⁰ Minimum deposit of $500 required to open. Rates, terms, and conditions accurate as of April 10, 2023 and are subject to change. Advertised rate of 4.60% (4.68% APY) is for a new 9-month or 15-month certificate of deposit (CD) with balances of $500 or more. CD rates are fixed upon opening the account. APYs assume money stays on deposit until CD maturity date. An early withdrawal penalty may be assessed and may decrease earnings. If you close the account before interest is credited, you will not receive the accrued interest. Upon maturity the CD will automatically renew for a successive term equal to the original term at the standard rate/APY in effect on the maturity date and based on the same term, minimum balance, and other features of the original certificate. Public funds, institutional funds and brokered CDs are not eligible for advertised APYs.

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SAVE TODAY FOR A BRIGHTER TOMORROW

BASIC SAVINGS

SAVINGS PLUS

SELECT SAVINGS

MARKET MONITOR

KIDS START SAVINGS

CHRISTMAS SAVINGS CLUB

CERTIFICATES OF DEPOSIT

INDIVIDUAL RETIREMENT ACCOUNTS