RealSaver Savings Account



The only thing better than one great interest rate is two great interest rates. This high interest savings account is designed to make the most of your RealRewards checking earnings.

Here's how it works: each qualification cycle your RealRewards interest earnings and nationwide ATM fee refunds* are automatically transferred to this account. Maximum returns for the minimum amount of work.


  • High interest-earning savings account
  • 0.50% APY* on balances up to $25,000.99
  • 0.50% APY to 0.05% APY* on amount of balance over $25,000.99
  • 0.01% APY* if qualifications are not met
  • Rates may change after account is opened
  • Linked to RealRewards checking account
  • Rewards are automatically transferred to Saver
  • 6 free withdrawals per month; $10 each thereafter
  • Online banking
  • Mobile banking
  • eStatements
  • Telephone banking
  • $250 deposit to open


Qualifying for the RealRewards rewards automatically qualifies you for the highest Saver rate too. To earn your rewards, simply do the following activities in your RealRewards checking account during the monthly qualification cycle:

  • 10 debit card POS (point of sale) transactions post and settle per qualification cycle
  • Have at least one recurring direct deposit or ACH Auto Debit post and settle
  • Be enrolled and receive eStatements notice
  • Be enrolled and log into online banking

If you don't meet the qualifications in your RealRewards Checking account, don't worry! You still get a savings account that earns the base rate of 0.01% APY*, and you can earn the higher rate the very next cycle you qualify. 

*Minimum deposit to open RealRewards Checking account is $250.00 and $250.00 for RealSaver. Annual percentage yield (APY) accurate as of 3/16/2018. RealSaver rate tiers are as follows: 0.50% APY applies to balances of $0.01 - $25,000.99, and 0.50% APY - 0.05% APY applies to balances of $25,001.00 and over for each qualification cycle that the minimum activity is met on the RealRewards Checking account. 0.01% APY applies to all balances when minimum activity is not met during the qualification cycle on the RealRewards Checking account.Qualifying transactions must post and settle the RealRewards Checking account during the qualification cycle. Transactions may take one or more business days from the transaction date to post and clear an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. RealSaver is available to personal accounts and is limited to one account per social security number.The "statement cycle" is the first business day of the month through the last business day of the month. The "qualification cycle" is the period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Therefore, the above mentioned minimum activity will be determined based upon transactions posted and settled one day prior to the last business day of the month. Transactions posted and settled on the last business day of the month will be counted toward minimum activity for the following qualification cycle. Transfers to another account or to third parties by telephone, draft, debit card, computer transfer or similar order to third parties are limited to six per month. If you exceed the transfer limitations set forth above in any statement period, your account may be subject to closure by Security Bank. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

A complete listing of account fees and terms is located inside the Products and Services Brochure.