• Savings. Now in a Variety of Flavors

    When it comes to saving, you want what’s going to work best for your unique needs. We have exactly that.
  • PS-CoupledUp

    Coupled Up

    PS-JustMarried

    Just Married

    PS-LivingComfortably

    Living Comfortably

    PS-SingleParent

    Single Parent

    PS-OnYourOwn

    On Your Own

    PS-NewBaby

    New Baby

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  • Account Type

    Interest Rate

    Monthly Maintenance Fee

    Opening Deposit

    Key Features

    Pinnacle and PinnaclePlus Money Market

    0.050% - 0.200% APY 
    Earn higher rates with higher deposits
    Pinnacle: Maintain a $5,000 average daily balance per statement cycle and we’ll waive the $25 monthly fee
    PinnaclePlus: Maintain a $5,000 average daily balance per statement cycle and we’ll waive the $5 monthly fee.
    $500
    • Build your savings faster by setting up direct deposits
    • Manage your account through Online Banking

    Statement Savings 

    0.010% APY

     

     

    Maintain an average daily balance of at least $400 or make direct deposits of $25 or more to this account per calendar month and we’ll waive the $4.00 monthly fee

    $50

     

    • Full access to your funds
    • Manage your account through Online Banking
    1.000% APY
    None
    $5,000
    • 30 month CD
    • Conveniently open your account online

    Certificate of Deposit

    0.050% - 0.750% APY 
    Earn higher rates with higher deposits
    None
    $500
    • Choose a term from 7 days to 10 years 
    • Withdraw interest earned at any time
    • Use your CD to fund your Individual Retirement Account (IRA)
    None
    $50
    • Earn higher rates with higher balances
    • No monthly maintenance fee
    • Use your Optimal IRA to fund your Individual Retirement Account (IRA)

First Niagara does not provide tax advice. Please consult your tax advisor.

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