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Savings Accounts

Savings Accounts

Save & Grow with Your Community

Start building your savings with just $5. Enjoy personal, local banking with the security and convenience of a Bellwether savings account. 

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Schedule an Appointment
couple opening a savings account

Savings to Help You Grow

We know that saving for your goals—big or small—is important. We've designed our free savings account to be simple, accessible, and rewarding. With no monthly fees and convenient access to your money, we'll help you reach your financial milestones.
  • Enjoy fee-free savings with no monthly service charges
  • Manage money whenever and wherever with free online and mobile banking
  • Access 30,000+ free ATMs and 6,500 credit union service centers
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two savings accounts

Have More Savings Goals?

Whether saving up for college, a new car, or a downpayment on your first home, an additional savings account can help you keep your goals organized and secure.

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Savings Account Rates & Fees

$100 minimum daily balance required to earn dividends except Kid's Club account. "Save It Today!" Kid's Club has no minimum balance to earn dividends. $5.00 minimum to open account. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency. 

Effective Date: May 28, 2025
Account Type
Minimum Daily Balance to Earn Dividends
Dividend Rate %
Annual Percentage Yield (APY)
Account Type
Primary Share Savings
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Secondary Savings
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Emergency Savings
Minimum Daily Balance to Earn Dividends
Up to $500
Dividend Rate %
1.74%
Annual Percentage Yield (APY)
1.75%
Account Type
Emergency Savings
Minimum Daily Balance to Earn Dividends
$500.01+
Dividend Rate %
0.01% - 1.74%
Annual Percentage Yield (APY)
0.01% - 1.75%
Account Type
Club Accounts
Minimum Daily Balance to Earn Dividends
$100.00
Dividend Rate %
0.01%
Annual Percentage Yield (APY)
0.01%
Account Type
Begin Savings
Minimum Daily Balance to Earn Dividends
Up to $500
Dividend Rate %
1.74%
Annual Percentage Yield (APY)
1.75%
Account Type
Begin Savings
Minimum Daily Balance to Earn Dividends
$500.01+
Dividend Rate %
0.01% - 1.74%
Annual Percentage Yield (APY)
0.01% - 1.75%

$100 minimum daily balance required to earn dividends except Kid's Club account. "Save It Today!" Kid's Club has no minimum balance to earn dividends. $5.00 minimum to open account. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency. 

FAQs

What is a primary savings account?

A primary savings is a deposit share that establishes membership with Bellwether. You have to open a primary savings account either before or along with any other accounts or loans with the credit union.

Why do I have to keep $5 in my primary savings account?

As long as you are a member of Bellwether, $5 will be held in your primary savings account as your membership deposit. This ensures membership and all the benefits that go along with it.

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