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Personal Savings Accounts
Savings account options designed to help you reach your goals, with local support and personalized service from a community bank.
Find Savings Accounts That Match Your Preferences
Answer a few questions about your savings goals, account preferences, and the features that matter most to you. Based on your responses, we'll highlight a savings account you may want to explore. Whether you're saving for future goals, healthcare expenses, or looking to earn interest on larger balances, this tool can help you compare your options.
Results are provided for informational purposes only and are not a recommendation.
Based on your responses, you may want to explore the following savings account. Review the account terms, fees, features, requirements, eligibility criteria, and disclosures to determine whether it aligns with your savings goals and financial needs.
Results are provided for informational purposes only and are based solely on the responses you provide. This tool is designed to help identify savings account options that may align with your stated preferences and savings goals. It is not a recommendation, endorsement, or determination of eligibility for any account. Please review all account terms, disclosures, fees, requirements, and eligibility criteria before opening an account. If you have questions about which account may be appropriate for your situation, please speak with an Orrstown Bank representative.
Momentum Savings
Overview
A Savings Account designed to build savings alongside Momentum Checking, offering tiered interest to help you grow your savings over time.
Features
- Earns Tiered Interest APY¹
- No monthly service fee for the first year
Ready to make everyday banking work a little harder? Apply online today, or for a more personalized experience, visit a branch near you and connect with a banker to learn more about Momentum Savings.
APY¹ Rate as of MM,DD,YYYY
2 Fees may apply for certain other supplies or expedited service.
3 Minimum balance based on average daily balance
4 Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions.
5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement
**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.
Relationship Money Market
Overview
Looking for a savings account that offers more from your banking relationship? Relationship Money Market provides the opportunity to earn interest on qualifying balances while keeping funds available for future needs.
Features
- Earns Tiered InterestAPY¹
Ready to open a Relationship Money Market account? Visit a branch near you to connect with a banker and open a Relationship Money Market account.
APY¹ Rate as of MM,DD,YYYY
2 Fees may apply for certain other supplies or expedited service.
5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement
**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.
Preferred Money Market
Overview
Looking for a savings account designed for clients who maintain higher deposit balances? Preferred Money Market provides the opportunity to earn interest while keeping funds available for future needs.
Features
- Earns Tiered InterestAPY¹
Ready to open a Preferred Money Market account? Apply online today, or for a more personalized experience, visit a branch near you and connect with a banker to learn more about Preferred Money Market.
APY¹ Rate as of MM,DD,YYYY
2 Fees may apply for certain other supplies or expedited service.
5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement
**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.
Essential Savings
Overview
Looking for a straightforward way to build your savings? Essential Savings is an interest-bearing savings account designed to help you save for everyday needs, future goals, and unexpected expenses.
Features
- Earns Tiered Interest APY¹
Ready to open a Essential Savings account? Apply online today, or for a more personalized experience, visit a branch near you and connect with a banker to learn more about Preferred Money Market.
APY¹ Rate as of MM,DD,YYYY
2 Fees may apply for certain other supplies or expedited service.
4 Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions.
5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement
**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.
IRA Money Market
Overview
An IRA Money Market account offers a flexible way to save for retirement while earning interest on eligible balances. Additional deposits are permitted, providing ongoing opportunities to contribute toward your retirement goals.
Features
- Additional Deposits Permitted
- One-Time Principal Withdrawal Permitted⁴
- Interest may be capitalized or deposited to an Orrstown Bank deposit account
Looking for flexibility within your retirement savings strategy? Visit a branch to learn more about IRA Money Market account features and requirements.
3 Interest rate and APY are variable and subject to change without notice after account opening.
4 Fees may apply and could reduce earnings. See fee schedule for details.
7 Please consult a tax professional to discuss benefits associated with these accounts.
8 IRS imposed penalties also may apply in some cases. Please consult your personal tax advisor.
Health Savings Account
Overview
Looking for a way to save for qualified healthcare expenses? A Health Savings Account (HSA) offers a tax-advantaged way to set aside money for eligible medical costs while earning interest.
Features
- No Minimum Opening Deposit
- Earns Tiered Interest APY¹
- Tax-advantaged savings
- Debit Card & Check Writing Access for qualified healthcare expenses4
Ready to open a Health Savings Account? Visit a branch near you to connect with a banker and open a Health Savings Account.
Experience the features available with Orrstown Bank saving accounts.
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Mobile Banking*
Momentum Savings
Overview
A Savings Account designed to build savings alongside Momentum Checking, offering tiered interest to help you grow your savings over time.
Features
- Earns Tiered Interest APY¹
- No monthly service fee for the first year
- Round-Up Savings: When you use your Momentum Checking Debit Card for purchases, the transaction amount is rounded up to the nearest dollar, and the difference is automatically transferred to your Momentum Savings account. You may choose to opt out of this feature at any time.4
- Debit card access available when linked to an eligible Orrstown Bank Checking or Money Market account 4
- Six Free Transactions per statement cycle; $10 fee per excess transaction**
- $1 Minimum Opening Deposit
- Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.2
- Maintain a $100 Average Statement Balance3 after the first year to avoid the monthly service fee5.
- A paper statement fee applies after the first year when the $100 average daily balance isn’t maintained.
- A Momentum Checking Account must be maintained unless the primary account owner is under age 18.4
Ready to make everyday banking work a little harder? Apply online today, or for a more personalized experience, visit a branch near you and connect with a banker to learn more about Momentum Savings.
APY¹ Rate as of MM,DD,YYYY
2 Fees may apply for certain other supplies or expedited service.
3 Minimum balance based on average daily balance
4 Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions.
5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement
**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.
Relationship Money Market
Overview
Looking for a savings account that offers more from your banking relationship? Relationship Money Market provides the opportunity to earn interest on qualifying balances while keeping funds available for future needs.
Features
- Earns Tiered InterestAPY¹
- Maintain liquidity while earning interest APY1
- Six Free Transactions per statement cycle; $10 fee per excess transaction**
- Debit card access
- $500 Minimum Opening Deposit
- Maintain a $10,000 Average Statement balance to avoid the $15 monthly maintenance fee 5
- Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.2
Ready to open a Relationship Money Market account? Visit a branch near you to connect with a banker and open a Relationship Money Market account.
APY¹ Rate as of MM,DD,YYYY
2 Fees may apply for certain other supplies or expedited service.
5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement
**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.
Preferred Money Market
Overview
Looking for a savings account designed for clients who maintain higher deposit balances? Preferred Money Market provides the opportunity to earn interest while keeping funds available for future needs.
Features
- Earns Tiered InterestAPY¹
- Maintain liquidity while earning interest APY1
- Six Free Transactions per statement cycle; $10 fee per excess transaction**
- Debit Card Access
- $500 Minimum Opening Deposit
- Maintain a $2,500 Average Statement Balance to avoid the $12 Monthly Maintenance Fee 5
- Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.2
Ready to open a Preferred Money Market account? Apply online today, or for a more personalized experience, visit a branch near you and connect with a banker to learn more about Preferred Money Market.
APY¹ Rate as of MM,DD,YYYY
2 Fees may apply for certain other supplies or expedited service.
5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement
**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.
Essential Savings
Overview
Looking for a straightforward way to build your savings? Essential Savings is an interest-bearing savings account designed to help you save for everyday needs, future goals, and unexpected expenses.
Features
- Earns Tiered Interest APY¹
- Six Free Transactions per statement cycle; $10 fee per excess transaction**
- No Minimum balance requirement or statement fee when account owner is a minor (under the age of 18)
- Debit card access available when linked to an eligible Orrstown Bank Checking or Money Market account 4
- $25 Minimum Opening Deposit
- Maintain a $250 Average Statement Balance to avoid the $5 Monthly Maintenance Fee 5
- Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.2
Ready to open a Essential Savings account? Apply online today, or for a more personalized experience, visit a branch near you and connect with a banker to learn more about Preferred Money Market.
APY¹ Rate as of MM,DD,YYYY
2 Fees may apply for certain other supplies or expedited service.
4 Certain features require enrollment and your account in good standing; fees may apply. Please see your account terms and conditions.
5 Monthly maintenance fee may be avoided by maintaining the minimum balance requirement
**A transaction is defined as a check issued to a 3rd party or preauthorized, transfers to another account or third parties by preauthorized, automatic, telephone or online (including transfers for overdraft sweeps), outgoing wires, and Point of Sale transactions. Unlimited transactions may be made by a withdrawal in person or via ATM.
Health Savings Account
Overview
Looking for a way to save for qualified healthcare expenses? A Health Savings Account (HSA) offers a tax-advantaged way to set aside money for eligible medical costs while earning interest.
Features
- No Minimum Opening Deposit
- Earns Tiered Interest APY¹
- Tax-advantaged savings
- Debit Card & Check Writing Access for qualified healthcare expenses4
- Helps clients save specifically for current and future medical costs
- You must be covered by a high-deductible insurance plan.
- Maintain a $250 Average Statement Balance (clients have 12 months from account opening to aggregate this balance) to avoid the $5 Monthly Maintenance Fee 5
- Enrollment in e-Statements is required to avoid a $2 monthly paper statement fee.2
- All transactions must be for qualified healthcare expenses***
Ready to open a Health Savings Account? Visit a branch near you to connect with a banker and open a Health Savings Account.
Compare Accounts
- Momentum Savings
- Relationship Money Market
- Preferred Money Market
- Essential Savings
- Health Savings Account
Compare Savings Accounts
Tax-Advantaged Savings1
FDIC Insured2
Access Funds via Debit Card 3
if combined with an Orrstown Bank checking or money market if combined with an Orrstown Bank checking or money market and checksYou may also be interested in...
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