Savings Accounts

You work hard for your money. Now, take some of those hard-earned funds and build your nest egg. Open the best savings account or other savings option (such as a CD or IRA), and save up for something special, or for an emergency. Don't forget to teach your kids the value of saving, too.

Here's where you'll match your savings to your dreams. Find the savings account, certificate of deposit (CD) or bank IRA option that best fits how much money you have to save, how much interest you'd like to earn, and how easily and frequently you'd like to be able to access your funds. With all the banking options at Bell, you can check out the savings account rates, minimum balance requirements, and low maintenance fees – then choose the one that will help you reach your goal.

Personal-Banking-Savings-Bell-Bank

Regular Savings
Money Market Savings
Premier Money
Market Savings
CDs
IRAs

Regular Savings

Our most popular savings account requires a low minimum balance – it's a great way to put away some funds! $50 minimum deposit to open.

Features & Benefits

No service charge if you maintain a minimum average monthly balance of $50
Interest earned each day the balance is $50 or more
6 free withdrawals or debits per calendar month
Variable interest compounded quarterly
Option to use as overdraft protection on a Bell checking account (enrollment required)

Choose from 3 convenient ways to open your savings account:

View current CD Special

Money Market Savings

This savings account rewards higher balances with higher rates. $50 minimum deposit to open.

Features & Benefits

No service charge if you maintain a minimum balance of $500
Interest earned each day the balance is $500 or more
6 free withdrawals or debits per monthly statement period
Variable interest compounded monthly
Option to use as overdraft protection on a Bell checking account (enrollment required)

Choose from 3 convenient ways to open your savings account:

Money Market Savings Plus

This savings account rewards higher balances with higher rates, plus allows limited check writing. $50 minimum deposit to open.

Features & Benefits

No service charge if you maintain a minimum balance of $500
Interest earned each day the balance is $500 or more
6 free withdrawals or debits per monthly statement period
Limited check writing on the account
Variable interest compounded monthly
Option to use as overdraft protection on a Bell checking account (enrollment required)

Choose from 3 convenient ways to open your savings account:

Premier Money Market Savings

This money market account offers our highest interest yields for savings accounts over $25,000. $50 minimum deposit to open.

Features & Benefits

No service charge if you maintain a minimum balance of $5,000
Interest earned each day the balance is $5,000 or more
6 free withdrawals or debits per monthly statement period
Variable interest compounded monthly
Option to use as overdraft protection on a Bell checking account (enrollment required)

Choose from 3 convenient ways to open your savings account:

Premier Money Market Savings Plus

This money market account offers our highest yields for savings accounts over $25,000, plus allows limited check writing. $50 minimum deposit to open.

Features & Benefits

No service charge if you maintain a minimum balance of $5,000
Interest earned each day the balance is $5,000 or more
6 free withdrawals or debits per monthly statement period
Limited check writing on the account
Variable interest compounded monthly
Option to use as overdraft protection on a Bell checking account (enrollment required)

Choose from 3 convenient ways to open your savings account:

View today's rates

Certificates of Deposit (CDs)

Competitive rates, a range of terms, and flex options make our CDs a great choice for savers who want to earn interest.

Fixed-Rate CDs

These CDs offer competitive local rates that remain the same for the term of the CD.

Features & Benefits

Minimum $500 deposit to open
Terms from 3 months to 5 years

Flexible CDs

These CDs give you greater flexibility with your funds.

Features & Benefits

Minimum $5,000 deposit to open
If rates go up – increase the interest rate once during the term
If you need cash – withdraw up to half without penalty once during the term

View current CD Special

Individual Retirement Accounts (IRAs)

An IRA can be a low-risk investment for retirement, with several tax advantages. Our bank IRAs have terms ranging from 1 month to 5 years.

Bank IRA rates correspond to our regular certificate of deposit (CD) rates. Contributions may be added to variable rate IRAs at any time.

Features & Benefits

No annual fees, commissions or hidden charges
No risk – FDIC insured up to $250,000
Tax-deferred earnings – so your money grows faster
Trade up – after age 59 1/2, you may trade up to a higher rate once a year
Your retirement funds stay local

In most cases, you can't withdraw the money from an IRA without penalty until you reach the age of 59 1/2. CD-funded IRAs offer stable investment opportunities, and all bank IRAs are FDIC insured. Consult your tax advisor to see if one is right for you.

View IRA rates.