Personal Savings
Whether you’re building your emergency fund or saving for a major purchase, your dream vacation, a child’s college or anything else, Bankers Trust has a savings account to meet your needs. Our savings options allow you to choose the right account for your goals or place in life.
Find the right account for you and stop by a branch or open your account online today.
Features Common to All Accounts
Savings Accounts
Filter account type:
| Account Type | Regular Savings | Investment Savings |
|---|---|---|
| Account Type: Description | Regular Savings: A safe, secure and interest-earning account to help you save and grow your money. | Investment Savings: Earn a competitive interest rate, and receive the convenience of writing checks with our Investment Savings account. |
| Account Type: Minimum Opening Deposit | Regular Savings: $200 | Investment Savings: $1,000 |
| Account Type: Monthly Maintenance Fee | Regular Savings: $0 with $200 minimum daily balance* OR $6.99 if minimum daily balance is not met | Investment Savings: $0 with $1,000 minimum daily balance* OR $12.99 if minimum daily balance is not met |
| Account Type: Interest | Regular Savings: Compounded monthly and paid monthly | Investment Savings: Compounded monthly and paid monthly |
| Account Type: Perks | Regular Savings: No monthly maintenance fee for individuals age 55 and over | Investment Savings: Check writing available |
| Account Type: How to Open | Online / In Branch | Online / In Branch |
| Account Type | Secure LifeStyles Savings | Regular Savings | Investment Savings |
|---|---|---|---|
| Account Type: Description | Secure LifeStyles Savings: Designed for our Secure LifeStyles Club (SLC) members, this account features the ability to receive interest earnings, money-saving opportunities and other benefits. Learn about SLC | Regular Savings: A safe, secure and interest-earning account to help you save and grow your money. | Investment Savings: Earn a competitive interest rate, and receive the convenience of writing checks with our Investment Savings account. |
| Account Type: Minimum Opening Deposit | Secure LifeStyles Savings: $0 | Regular Savings: $200 | Investment Savings: $1,000 |
| Account Type: Monthly Maintenance Fee | Secure LifeStyles Savings: $0 | Regular Savings: $0 with $200 minimum daily balance* OR $6.99 if minimum daily balance is not met | Investment Savings: $0 with $1,000 minimum daily balance* OR $12.99 if minimum daily balance is not met |
| Account Type: Interest | Secure LifeStyles Savings: Compounded monthly and paid monthly | Regular Savings: Compounded monthly and paid monthly | Investment Savings: Compounded monthly and paid monthly |
| Account Type: Perks | Secure LifeStyles Savings: Discounts on other bank services | Regular Savings: No monthly maintenance fee for individuals age 55 and over | Investment Savings: Check writing available |
| Account Type: How to Open | In Branch | Online / In Branch | Online / In Branch |
| Account Type | Regular Savings Minor |
|---|---|
| Account Type: Description | Regular Savings Minor: It’s never too early to start saving! This account is designed to help youth under age 18** develop lifelong savings skills. |
| Account Type: Minimum Opening Deposit | Regular Savings Minor: $0 |
| Account Type: Monthly Maintenance Fee | Regular Savings Minor: $0 |
| Account Type: Interest | Regular Savings Minor: Compounded monthly and paid monthly |
| Account Type: Perks | Regular Savings Minor: Teaches financial stewardship |
| Account Type: How to Open | In Branch |
*Minimum daily balance is determined based on balance during the statement cycle.
**Adult co-owner is required to open an account.
Savings Account Interest Rates
Effective Date: 5/14/2026
The interest rate and annual percentage yield (APY) may change without notice. Fees may reduce earnings.
Interest Rates for Regular Savings and Regular Savings Minor Accounts
| Base Interest Rate (Consumer Rate Sheet) | Base APY (Consumer Rate Sheet) | Loyalty Program* Bronze Tier APY (Interest Rate is Base Interest Rate) | Loyalty Program* Silver Tier APY (Interest Rate is Base Interest Rate) | Loyalty Program* Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%) | Loyalty Program* Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%) | |
|---|---|---|---|---|---|---|
| : All Balances | Base Interest Rate(Consumer Rate Sheet): 0.55% | Base APY(Consumer Rate Sheet): 0.55% | Loyalty Program* Bronze Tier APY (Interest Rate is Base Interest Rate): 0.55% | Loyalty Program* Silver Tier APY (Interest Rate is Base Interest Rate): 0.55% | Loyalty Program* Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 0.95% | Loyalty Program* Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.05% |
Interest Rates for Investment Savings and Secure LifeStyles Club Savings Accounts
| Base Interest Rate (Consumer Rate Sheet) | Base APY (Consumer Rate Sheet) | Loyalty Program* Bronze Tier APY (Interest Rate is Base Interest Rate) | Loyalty Program* Silver Tier APY (Interest Rate is Base Interest Rate) | Loyalty Program* Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%) | Loyalty Program* Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%) | |
|---|---|---|---|---|---|---|
| : Balance less than $5,000 | Base Interest Rate(Consumer Rate Sheet): 0.70% | Base APY(Consumer Rate Sheet): 0.70% | Loyalty Program* Bronze Tier APY (Interest Rate is Base Interest Rate): 0.70% | Loyalty Program* Silver Tier APY (Interest Rate is Base Interest Rate): 0.70% | Loyalty Program* Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.10% | Loyalty Program* Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.20% |
| : Balance $5,000-$9,999.99 | Base Interest Rate(Consumer Rate Sheet): 0.73% | Base APY(Consumer Rate Sheet): 0.73% | Loyalty Program* Bronze Tier APY (Interest Rate is Base Interest Rate): 0.73% | Loyalty Program* Silver Tier APY (Interest Rate is Base Interest Rate): 0.73% | Loyalty Program* Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.13% | Loyalty Program* Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.23% |
| : Balance $10,000-$49,999.99 | Base Interest Rate(Consumer Rate Sheet): 0.75% | Base APY(Consumer Rate Sheet): 0.75% | Loyalty Program* Bronze Tier APY (Interest Rate is Base Interest Rate): 0.75% | Loyalty Program* Silver Tier APY (Interest Rate is Base Interest Rate): 0.75% | Loyalty Program* Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.15% | Loyalty Program* Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.25% |
| : Balance $50,000-$99,999.99 | Base Interest Rate(Consumer Rate Sheet): 0.93% | Base APY(Consumer Rate Sheet): 0.93% | Loyalty Program* Bronze Tier APY (Interest Rate is Base Interest Rate): 0.93% | Loyalty Program* Silver Tier APY (Interest Rate is Base Interest Rate): 0.93% | Loyalty Program* Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.33% | Loyalty Program* Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.43% |
| : Balance $100,000 and over | Base Interest Rate(Consumer Rate Sheet): 0.95% | Base APY(Consumer Rate Sheet): 0.95% | Loyalty Program* Bronze Tier APY (Interest Rate is Base Interest Rate): 0.95% | Loyalty Program* Silver Tier APY (Interest Rate is Base Interest Rate): 0.95% | Loyalty Program* Gold Tier APY (Interest Rate is Base Interest Rate + 0.40%): 1.35% | Loyalty Program* Platinum Tier APY (Interest Rate is Base Interest Rate + 0.50%): 1.45% |
You may call (515) 245-2863 to obtain current interest rate information. See the Truth-in-Savings Disclosure in the Consumer Terms and Conditions brochure for additional disclosure information.
* Loyalty Program Bonus Interest Rate Terms
Please see information about qualifying for the Benefits Banking Loyalty Program.
Rate information — The interest rate on your account is a variable base interest rate for the period, as disclosed on the Bank’s Consumer Rate Sheet, plus a bonus interest rate, if applicable. Your interest rate, annual percentage yield, and the applicable benefits tier may change while enrolled in the Loyalty Program.
Determination of rate — The interest rate on your account is based on the variable base interest rate for the period for the savings account type, plus the bonus interest rate corresponding to the benefits tier which you qualify for during the evaluation period.
Frequency of rate changes — We may change the bonus interest rate on your account every time you qualify for a different benefits tier.
Limitations on rate changes — The interest rate will never drop below the variable base interest rate disclosed on the Bank’s Consumer Rate Sheet for the period and the corresponding savings account type.
