Savings

Your Goals. Your Savings. Your Future.

From big purchases to emergency funds, Frontier Bank savings accounts make it easy to set money aside and help it grow- with options that fit your timeline and goals.

BIG DEAL® Saver

Maximize your interest earning potential with a BIG DEAL® Saver. Simply pair the Saver with a free BIG DEAL® Cash or BIG DEAL® Benefits checking account to earn a high interest rate without any additional qualifiers!

Benefits of this account include:

Earn 1.05% APY* on balances up to $50,000 and 0.15% on balances exceeding $50,000
$10 minimum opening deposit
No minimum balance
No monthly service charge
FREE Online Banking
FREE Mobile Banking with Mobile Deposit
FREE eStatements
FREE initial ATM Card
Must have a BIG DEAL® Cash or Benefits checking account to open a BIG DEAL® Saver.

Basic Savings

Earn a competitive interest rate while still having the flexibility to access your funds if you need them. Free for students 21 years old and younger, and for all accounts with a $100 balance and over. Its savings made simple- simply perfect!

Benefits of this account include:

Earn a competitive interest rate
Service charge of $1.00 if balance falls below $100
$10 minimum opening deposit
FREE for students 21 years old and younger
FREE Online Banking
FREE Mobile Banking with Mobile Deposit
FREE initial ATM card
FREE Statements- paper or electronic

Money Market

Earning a high interest rate doesn’t have to mean locking your money away. Open a Money Market account today with Frontier Bank to earn a competitive rate, plus still have the ability to access funds without penalties if needed; however, the more you save, the more you earn!

Benefits of this account include:

Earn a competitive interest rate based on the balance in the account
$500 minimum balance to earn interest
$500 minimum opening deposit
No monthly service charge
FREE Online Banking
FREE Mobile Banking with Mobile Deposit
FREE Statements- paper or electronic!

Money Market Select

Maintain access to your funds while you maximize your earnings with the Money Market Select account at Frontier Bank!

Benefits of this account include:

Earn up to 3.25% APY*
$50,000 minimum balance to earn interest
$50,000 minimum opening deposit
No monthly service charge
FREE Online Banking
FREE Mobile Banking with Mobile Deposit
FREE Statements- paper or electronic!

Health Savings Account

Health Savings Account (HSA)

Take the stress out of medical expenses with our free Health Savings Account (HSA). This tax-advantaged account helps you save for out-of-pocket healthcare costs while earning a competitive interest rate — all with no monthly service fees.

Triple Tax Benefit:

Tax-free contributions
Earnings are tax-free
Withdrawals for qualified medical expenses are tax-free

Additional Benefits:

No monthly service charge
Free HSA checks
Free online banking access
Competitive interest on your entire balance
Contributions may be tax-deductible*
Balances roll over year to year — no "use it or lose it"
Funds stay with you, even if you change jobs, insurance plans, or retire

Start building a safety net for healthcare costs — today and in the future.

Lil' Pioneer Savings Club

Join the Lil’ Pioneers Savings Club at Frontier Bank to jumpstart your child’s (or grandchild’s) expedition to financial success! Each Lil’ Pioneer will discover the importance of saving money and the excitement of reaping the rewards!

The Lil’ Pioneer Club is available to all children thirteen years of age and younger

Certificate of Deposit (CDs)

Looking for a safe, reliable way to grow your savings? Certificates of Deposit (CDs) at Frontier Bank are a great option for setting money aside and earning a higher, guaranteed interest rate over a set period of time.

Freedom Club

50 or better and have more freedom for travel and leisure? Join Frontier Bank’s Freedom Club and enjoy a variety of home events, one-day trips, and many other travel opportunities each year!

Qualifications

Must be at least 50 years of age and meet one of the following options to qualify:

Maintain a $500 balance in a Frontier Bank checking account and have a monthly ACH deposit
Maintain a $5,000 balance in any combination of Certificates of Deposit
Have a relationship with Frontier Bank Wealth Management and Trust

A joint account covers both husband and wife. If one spouse is 50 or over, both individuals are eligible for membership.

Club Benefits

Free personalized Freedom Club checks
Quarterly newsletters with the latest Freedom Club news and events
Fun local activities like bingo, potlucks, movies, seminars and more!
Participate in a variety of one day trips and other travel opportunities

BIG DEAL Cash

Earning Cash has never been so simple! BIG DEAL® Cash is our customer preferred checking account with all the bells and whistles!

Perks

Earn 4.05% APY* on balances up to $25,000- that's $1,000+ per year in interest
Automatic refunds on ATM fees nationwide- up to $20 monthly***!
Pair with our high interest savings- BIG DEAL® Saver to earn even more!
No minimum balance
No monthly service charge
FREE online banking
FREE bill pay
FREE mobile banking with mobile deposit
FREE eStatements
FREE initial ATM/Debit Card
FREE thank you gift

Qualifications

Simply complete the qualifiers below each month and quickly become our most cost-efficient customer. This makes it easy for us to pass the savings right back to you in interest.

Have a minimum of 12 debit card transactions post and settle each month
Have at least 1 direct deposit or automatic payment post and settle each month
Receive eStatements

Wealth Management

Looking to grow beyond savings? Our Wealth Management team is here to help with personalized financial guidance.

What We Do

Financial Planning
Asset Management
Risk Management
Estate Planning
Private Trust Services
Corporate and Self-Employed Retirement Plans
And more!

**APY= Annual Percentage Yield. APY accurate as of 3/10/2025 and subject to change. (1) Balances exceeding $250,000 receive APY of 3.25% and (2) balances ($50,000-99,999.99 earn 1.25%; $100,000-149,999.99 earn 1.75%; $150,000-199,999.99 earn 2.25%; $200,000-249,999.99 earn 2.75%).

All Accounts: Account approval requirements apply. Contact a Frontier Bank Representative for additional information.

1Consult a tax advisor.

Online Banking Login

Savings

Your Goals. Your Savings. Your Future.

BIG DEAL® Saver

Basic Savings

Money Market

Money Market Select

Health Savings Account (HSA)

Lil' Pioneer Savings Club

Certificate of Deposit (CDs)