Choose a way to save
There's an account to match your dreams

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.
Why Bell
Planning for the future is important to you – we understand. At Bell, we can help you plan for a rainy day, a big purchase or peace of mind.-
Regular Savings
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Money Market Savings
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Premier Money
Market Savings -
Certificates of Deposit CDs
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Individual Retirement Accounts 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 balance of $50
- Interest earned each day the balance is $50 or more
- 6 free withdrawals or debits per monthly statement period
- Variable interest compounded quarterly
Choose from 3 convenient ways to open your savings account:
View today's rates
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
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
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
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
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
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.
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