Find Your Savings Account
Tell us your goals. We'll help you find the best fit.
Finding the right account has never been easier
When you open a Savings Account with PenAir, you get all the options you deserve. Whether you’re planning to buy a home or build a stash for emergencies, we’ll help you explore the various ways to save and grow your money over time.
Start saving now
We’re ready to help you open an account for whatever goal you’ve got in mind.
What do you hope to achieve?
Would you rather have daily access to your cash or the ability to earn higher dividends over time?
Choose the accounts for you
Browse our options below to find the best account to fit your needs.
Start saving right away
It’s easy to open an account with PenAir. Simply click the account you want and open online.
Keep your goals on track
Use our Online Banking to view your current balance, practice money management, and stay on track.
Let us recommend the savings account that fits your needs
Select all that apply
Ready to take the plunge?
Check out some of our savings rates
|
Account Balance |
Dividend Rate |
APY* |
|---|---|---|
|
*All annual percentage yields (APY) for non-certificate accounts are accurate as of the last dividend declaration date. APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings. |
||
|
Account Balance $25-$4,999.99 |
Dividend Rate 0.100% |
APY* 0.100% |
|
Account Balance $5,000-$24,999.99 |
Dividend Rate 0.100% |
APY* 0.100% |
|
Account Balance $25,000-$74,999.99 |
Dividend Rate 0.299% |
APY* 0.299% |
|
Account Balance $75,000 and over |
Dividend Rate 0.299% |
APY* 0.299% |
|
Account Balance |
Dividend Rate |
APY* |
|---|---|---|
|
*All annual percentage yields (APY) for non-certificate accounts are accurate as of the last dividend declaration date. APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings. |
||
|
Account Balance $0-$2,499.99 |
Dividend Rate 0% |
APY* 0% |
|
Account Balance $2,500-$24,999.99 |
Dividend Rate 0.350% |
APY* 0.350% |
|
Account Balance $25,000-$74,999.99 |
Dividend Rate 0.996% |
APY* 1.000% |
|
Account Balance $75,000-$199,999.99 |
Dividend Rate 1.244% |
APY* 1.250% |
|
Account Balance $200,000.00 and over |
Dividend Rate 1.492% |
APY* 1.500% |
|
Term |
Dividend Rate |
APY* |
|---|---|---|
|
All annual percentage yields (APY) for share certificate accounts and certificate IRAs are accurate as of May 7, 2025. *APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. The 7 Month Certificate will automatically renew as a 6 Month Certificate upon maturity. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings. **Not offered for IRAs |
||
|
Term 3 month |
Dividend Rate 4.073% |
APY* 4.150% |
|
Term 6 month |
Dividend Rate 3.590% |
APY* 3.650% |
|
Term 10 month |
Dividend Rate 4.218% |
APY* 4.300% |
|
Term 12 month |
Dividend Rate 3.735% |
APY* 3.800% |
|
Term 15 month Add-On |
Dividend Rate 2.521% |
APY* 2.550% |
|
Term 18 month |
Dividend Rate 2.765% |
APY* 2.800% |
|
Term 21 month |
Dividend Rate 4.314% |
APY* 4.400% |
|
Term 24 month |
Dividend Rate 2.618% |
APY* 2.650% |
|
Term 36 month |
Dividend Rate 2.667% |
APY* 2.700% |
|
Term 48 month |
Dividend Rate 2.716% |
APY* 2.750% |
|
Term 60 month |
Dividend Rate 2.813% |
APY* 2.850% |
|
Dividend Rate |
APY* |
|---|---|
|
*All annual percentage yields (APY) for non-certificate accounts are accurate as of the last dividend declaration date. APY= Annual Percentage Yield. Penalties for early withdrawal on term share accounts. Rates on deposit accounts and specified accounts may change after account opening. PenAir reserves the right to discontinue or modify offers at any time. No minimum to open any PenAir checking account. Fees may reduce earnings. |
|
|
Dividend Rate 0.299% |
APY* 0.299% |
Crunch the Numbers
Making big financial decisions can be difficult
Financial fitness builds healthy finances and leads to a more wealthy outlook.
Money: From Your 20s to Your 40s and Beyond
Credit Score Insight: The Basics
Spring-Cleaning for Your Finances
