Savings
Personal Savings Accounts
There is no time like the present to start saving for your future.
R Bank can help make that future brighter with a variety of savings accounts designed to save you time and meet your financial goals – now and in the years to come.

Personal Savings
Save for any future purpose with R Bank’s basic Savings account, which makes saving easy and convenient. Ask about our free savings accounts for children and students!
We believe a Savings account can be simple yet not simplistic. Save for tomorrow with the advantages of today’s technology for access and control.
- Save. With an initial deposit, your Savings account begins earning interest for you immediately.
- Build. Make unlimited deposits, and watch as R Bank's interest paid quarterly on your daily balances grows and grows.
- Enjoy. Track and use your savings easily with free Online Banking, your R Bank ATM card for access through Pulse® and Cirrus® ATMs, and Telephone Banking, our 24-hour telephone banking system.

Kids Savers Club Savings
An account perfectly designed to make coming to the bank a fun experience while teaching young savers how to achieve their financial goals today and into adulthood!
- Save. With an initial deposit, your Kids Savers Club Savings account begins to earn interest immediately. Balance requirements are waived for minor children until the minor reaches his/her 22nd birthday.
- Prizes. Receive a prize at time of account opening and an R Bank Kid T-Shirt! You're part of an exclusive club now!

Personal Money Market
R Bank’s Money Market account introduces escalating tiered interest rates that rise with your daily balance while you maintain access to your account funds at any time.
- Upgrade. Savings just got better with higher interest rates and still no maintenance fee, if you maintain a reasonable daily balance. Your money grows faster than a regular Savings deposit.
- Tiered Growth. As your balance reaches each pre-defined tier, the interest rate that R Bank pays steps up, too. With unlimited deposits, you can build your balance as quickly as you want.
- Easy Access. When you wish to use some of your growing balance, just decide how: your R Bank Cash & Check MasterCard®, free Online Banking, Telephone Banking, our 24-hour telephone banking system, or withdrawals-up to six each statement cycle at no charge, three of which may be third-party items.

Premium Money Market
Our Premium Money Market account combines the liquidity of a checking account with the earning power of premium rates. The more you keep in the account, the more you earn!
With FDIC insurance, up to the maximum amount allowed by law, your growing account is safe and sound. Ask your R Banker today for more details about this exceptional account.
- Superior. Our highest money market interest rates are yours without compromise on access, ensuring that your higher balances earn you the premium you deserve yet remain ready to use.
- Graduated. Pre-defined tiers deliver progressively higher interest rates as your balance grows. Add funds as quickly as you want with unlimited deposits.
- Convenient. Transactions are limited to six withdrawals each statement cycle at no charge, three of which may be third-party items.

High Yield Money Market
Watch your savings soar!
Our High Yield Money Market account combines the liquidity of a checking account with the earning power of premium rates. The more you keep in the account, the more you earn!
$25,000.00 – $149,999.991 1.01% APY*
$150,000.00 – $299,999.992 1.26% APY*
$300,000.00 – $999,999.993 2.02% APY*
$1,000,000.00 – Over4 2.99% APY*
With FDIC insurance, up to the maximum amount allowed by law, your growing account is safe and sound. Ask your R Banker today for more details about this exceptional account.
- Graduated. Pre-defined tiers deliver progressively higher interest rates as your balance grows. Add funds as quickly as you want with unlimited deposits.
- Convenient. Transactions are limited to six withdrawals each statement cycle at no charge, three of which may be third-party items.

Champions Money Market
Our Champions Money Market account combines the liquidity of a checking account with the earning power of premium rates. The more you keep in the account, the more you earn!
$750,000.00 – $1,499,999.991 4.25% APY*
$1,500,000.00- $2,999,999.992 4.35% APY*
$3,000,000.00 – Over3 4.55% APY*
With FDIC insurance, up to the maximum amount allowed by law, your growing account is safe and sound. Ask your R Banker today for more details about this exceptional account.
- Superior. Our highest money market interest rates are yours without compromise on access, ensuring that your higher balances earn you the premium you deserve yet remain ready to use.
- Graduated. Pre-defined tiers deliver progressively higher interest rates as your balance grows. Add funds as quickly as you want with unlimited deposits.
- Convenient. Transactions are limited to six withdrawals each statement cycle at no charge, three of which may be third-party items.
High Yield Money Market Disclosure
$2,500 Minimum required to open an account. The monthly daily balance is $25,000 to earn the minimum Annual Percentage Yield (APY)*. Rate and APY are current as of August 14, 2023 and are subject to change without notice. 1 – Interest Rate is 1.00% / 2 – Interest Rate is 1.25% / 3 – Interest Rate is 2.00% / 4-Interest Rate is 2.95%. Monthly Service Charge of $15 if balance falls below $25,000 minimum balance on ANY day of the statement cycle. Money Market Accounts are limited transaction accounts: six (6) withdrawal transactions per statement cycle. Additional transactions (including ACH items and transfers) over six (6) are charged an excessive withdrawal fee. See the Deposit Account Agreement for all terms and conditions of these accounts.
Champions Money Market
$2,500 Minimum required to open an account. The monthly daily balance is $750,000 to earn the minimum Annual Percentage Yield (APY)*. Rate and APY are current as of August 14, 2023, and are subject to change without notice. 1 – Interest Rate is 4.16% / 2 – Interest Rate is 4.26% / 3 – Interest Rate is 4.25%. Monthly Service Charge of $25 if balance falls below $25,000 minimum balance on ANY day of the statement cycle. Money Market Accounts are limited transaction accounts: six (6) withdrawal transactions per statement cycle. Additional transactions (including ACH items and transfers) over six (6) are charged an excessive withdrawal fee. See the Deposit Account Agreement for all terms and conditions of these accounts.
Personal Savings Solutions* | Minimum Opening Deposit | Minimum Daily Balance | Monthly Service Charge** | Interest Paid |
---|---|---|---|---|
Personal Savings | $200 | $300 | $4 | Yes |
Kids Savers Club Savings | $200 | $200 | $3 | Yes |
Personal Money Market | $200 | $2,500 | $10 | Yes |
Premium Money Market | $2,500 | $10,000 | $15 | Yes |
High Yield Money Market | $2,500 | $25,000 | $15 | Yes |
Champions Money Market | $2,500 | $750,000 | $25 | Yes |
**Monthly service charge if balance falls below minimum daily balance on any day of the statement cycle.