~ Online Banking
Home Equity Line of Credit

Apply For A Loan
in 15 minutes or less

APPLY NOW
Health Savings Account

Health Savings Account
for high deductible health plans

APPLY NOW

Savings Account Solutions

Whether building your nest egg or planning for a rainy day, a Royal Bank America savings account is a safe solution to help you meet your financial goals.

Personal Savings (incl. IRA)

  • $100 minimum to open
  • $100 average available quarterly balance required
  • $30 below required balance fee
  • Free debit card with surcharge-free access to 55,000+ Allpoint Network ATMs

Money Market
A high yielding tiered account

  • $100 minimum to open
  • $2,500 average available monthly balance required
  • $10 below required balance fee
  • No monthly service fee
  • Variable interest rate (tiered)

Youth Savings
Savers 24 and under

  • $25 minimum to open
  • No balance required
  • Start the savings habit early
Current Rates

 

Savings Account Rates
Products Annual Percentage Yield* (APY)
Youth Savings 0.25%
Savings (Personal and IRA) 0.15%
Savings (New Deposits; Personal)** 0.75%

*Fees may reduce earnings. Rates are subject to change at any time at management’s discretion, without limitation on the percentage change.

**0.75% APY savings with a guaranteed rate until 3/31/2017.

Money Market Rates
Products Avg. Monthly Min. Balance Annual Percentage Yield (APY)#
Money Market I $1 – $49,999 0.20%
Money Market II $50,000 – $99,999 0.25%
Money Market III $100,000 – $249,999 0.35%
Money Market IV $250,000 – $499,999 0.40%
Money Market V $500,000 – $999,999 0.45%
Money Market VI $1,000,000 and Above 0.45%

#Annual Percentage Yield (APY). Money Market utilize tiered interest rates. Min. opening deposit $100. For MMA I-VI, if average monthly balance falls below $2,500, a $10.00 fee will apply. Rates are variable and subject to change. Each account requires a minimum balance to earn specified APY. Unlimited cash withdrawals may be made from Money Market/Savings Accounts, at no extra charge, by using withdrawal tickets available in our branches.

By law, only six non-cash withdrawal transactions are permitted per statement cycle. A $5 fee per occurrence will be levied for transactions over limits. Accounts that consistently exceed limits will automatically and permanently revert to non-interest bearing accounts. Fees may reduce earnings.

Certificates of Deposit

CD Rates Notification

Receive a notification when CD rates change.
Subsequent emails will include the option to unsubscribe from future notifications.

You have Successfully Subscribed!

0.75% Savings Account

Save More. Worry Less.

0.75% *APY Savings Account

 

LEARN MORE

 

You have Successfully Subscribed!