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Savings Accounts
Life is full of possibilities and unexpected moments, and we’re here to help you prepare for them. Whether you're looking to grow your money with a high-yield savings account (HYSA) or prefer a straightforward, no-frills savings solution, our options are designed to support your journey toward achieving your financial goals.
Rewards Savings
Our highest-yield savings account (HYSA), with a market-leading 4.00% APY* on balances under $50,000. This account must be paired with our Cash Back or Rewards Checking Account. 1
Sunflower Savings
Perfect for larger balances, this high yield savings account (HYSA) earns 3.23% APY*. Grow your money while retaining full access. Minimum $100 to open.
Summit Savings
This basic savings account is designed for flexibility and features no deposit or withdrawal limits. Minimum $100 to open.
Already have Cash Back or Rewards Checking?
When you open our Cash Back or Rewards Checking account, you unlock exclusive access to our high-yield Rewards Savings account. Earn 4.00% APY* on balances under $50,000.1
Looking for something different?
First Savings
Start saving early to grow interest with a high-yield savings account (HYSA) designed for children 17 and under! No monthly maintenance fee. Learn More
Savings Calculators
College? Retirement? Large purchase? Our calculators can help you understand how soon you can meet your next savings goal. Learn More
Our savings accounts feature:
 Online BankingEasy access to all mobile deposit, Bill Pay, P2P payments, and more! |  Mobile BankingEnjoy Mobile Deposit and on-the-go management with our Mobile Banking app. |
 37,000+ in-network ATMsFree nationwide access to cash withdrawals. ATM finder. |
 Customer SupportWe’re here to help via live chat, phone support at 800-800-1577, and in-person at one of our branches. |
FAQs
1 How can I earn 4.00% APY* on my Rewards Savings?
As long as you have an open Rewards Checking or Cash Back Checking account, you qualify for our premium savings APY on your Rewards Savings account.
2 What do I need to qualify for a Sunflower Savings Account?
The Sunflower Savings account requires a $100 minimum opening deposit of new money. The $5 monthly maintenance fee is waived with $100 minimum daily balance.^
What do I need to open the Summit Savings Account?
To open a Summit Savings account, a minimum deposit of $100 is required to open. The $5 monthly maintenance fee is waived with $100 minimum daily balance. If you close your account within 90 days of opening, you will be assessed a $15.00 early closing fee. If the balance at the time the maintenance fee is assessed is less than $5, a charge will be assessed for the balance, less .01.
Rewards Savings
| Balance | Interest Rate | APY* | Type of Interest | Minimum to Open |
|---|---|---|---|---|
| Qualifying balances** less than $50,000 | 4.00% | 4.00% | Simple | $25 |
| Qualifying balances** >= $50,000 | 1.00% | 4.00%-3.00%*** | Simple | $25 |
| Non-Qualifying balances** | 0.05% | 0.05% | Simple | $25 |
Interest Rates Effective: 07/01/2025
Revised: 06/30/2025
Accounts closed within 90 days of opening will be assessed a $15 early closing fee.
*APY is Annual Percentage Yield. APY assumes principal and interest remain on deposit for one year at the same interest rate. Interest rates and APYs subject to change without notice. Fees could reduce earnings.
**The interest rate/APY you earn will depend on whether you meet the Premium Rate/APY Rewards Qualifications for each monthly statement cycle as outlined in your Rewards Savings Truth in Savings Disclosure. If you don’t meet the Rewards Qualifications, your entire balance will earn the non-qualifying interest rate and APY.
***The APY range assumes a sample deposit of $75,000.
Sunflower Savings
| Account Type | Interest Rate | APY* | Method of Compounding | Minimum Deposit to Open |
|---|---|---|---|---|
| Sunflower Consumer Savings | 3.18% | 3.23% | Daily | $100 |
Interest Rates Effective: 07/01/2025
Revised: 06/30/2025
* The annual percentage yield (APY) is variable and may change at the bank’s discretion. New money is described as funds not previously held on deposit at First Fed within the last 30 days. Annual Percentage Yield assumes principal and interest remain on deposit for one year at the same interest rate. Fees could reduce earnings. Interest rates for the above accounts may change after the account is opened. No minimum balance to earn APY. Accounts closed within 90 days of opening will be assessed a $15 early closing fee.
^ Monthly maintenance fee of $5 if balance drops below $100 at any time. If the balance at the time the maintenance fee is assessed is less than $5, a charge will be assessed for the balance, less .01.