Savings Accounts and Certificates

Stand Bank Onlineis member-owned and by opening this account, you'll become an owner too.

When you join, we ask that you deposit $5 into a savings account. This represents your "share" of stock in the organization. The share price never changes. You earn dividends on all of your savings accounts, certificates, and great rates on your loans.

Features

• Basic savings account for all Stand Bank Onlinemembers

• ​Can be used an overdraft source for Stand Bank OnlineChecking accounts​

• Current rates between ​0.030% APY - ​0.080% APY depending on your account balance
   

Term share certificates²²⁴ are the credit union industry's versions of certificates of deposit (CDs). Tiered rates are available on most of our certificates. Tiers give you the ability to earn higher dividends on larger account balances.  Dividends²⁰⁸ you earn each month can be added to the certificate balance or transferred to a different account without penalties.  

Features

• Fixed Rates (on most products)

• Guaranteed rates of return

• High competitive yields

• Multiple term options

• Bump-up and Add-on options available

• Low minimum balance requirements
   

Looking for an attractive investment yield without tying up your savings? 
 

Stand Bank Online Money Market accounts offer higher dividends than typical savings accounts with convenient access to your money. This higher-rate savings account is perfect if you want both higher rates and instant liquidity.

Features

• Earns dividends

• Instant liquidity

• Can be used as an overdraft source for Stand Bank OnlineChecking accounts

• Current rates between ​0.080% APY - ​0.260% APY depending on your account balance
   

Looking for a new investment option that pays premier returns? The Premier Money Market Savings account offers the same liquidity as a regular Money Market Savings, but with much higher yields, as long as you meet requirements.⁰²⁰

Features

• Earns higher dividends than a regular Money Market account

• ​Instant liquidity

• Current rates between ​0.080% APY - ​0.410% APY depending on your account balance
  ​

This account establishes your business as a member of Stand Bank Online.

The $5 minimum deposit required represents your "share" of stock in the organization. Once your Business Savings account is opened, you can open a Business Checking account.​

Features

• Basic savings account for business Stand Bank Onlinemembers

• Current rates between ​0.030% APY - ​0.080% APY depending on your account balance

Bring your completed application to any Stand Bank Online branch.

Save now for near-future needs such as holiday expenses, travel, or property or income taxes. Experience how convenient and easy savings money can be. 

Features

• Guaranteed minimum rate of return  through December 31st of the current year, even if market rates fall.

• Current rate 0.160% APY

• No monthly fees

• Variable annual percentage yield (APY)

• Maximum deposit of $3,000 per month

• $25 to open
   

When a Youth Savings account is opened, the child becomes a member of Provident.

Features

• Basic savings account for youth Stand Bank Onlinemembers

• Current rates between ​0.030% APY - ​0.080% APY depending on your account balance.

• Free Visa® debit card available

Round Up Savings²²³ helps you save by automatically rounding up your debit card purchases to the nearest dollar and transferring the difference to a Round Up Savings account from your checking account.

Sign on to online banking to add this to an account.

Features

• No monthly fees

• 100% of eligible transactions matched for first three months on your first enrolled account ⁰¹⁵

• 5% of eligible transactions matched on this. All subsequent enrolled accounts after the first three months, up to $250 per year. Super Reward Checking not eligible for matching.

• Current rate ​0.030% APY
   

At the end of each month, you can transfer your balance to an eligible Stand Bank Onlinesavings account, loan, or credit line. Checking accounts are not eligible. Or, keep your funds in your Round Up Savings account and watch it grow.