• 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-JustMarried

    Just Married

    PS-OnYourOwn

    On Your Own

    PS-CoupledUp

    Coupled Up

    PS-LivingComfortably

    Living Comfortably

    PS-SingleParent

    Single Parent

    PS-NewBaby

    New Baby

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  • Account Type

    Interest Rate

    Monthly Maintenance Fee

    Opening Deposit

    Key Features

    PinnaclePlus Money Market

    0.050% - 0.200% APY 
    Earn higher rates with higher deposits
    Maintain a $5,000 average daily balance per statement cycle and we’ll waive the $5 monthly fee.
    $500
    • Enjoy a Bonus Rate on balances over $500 when you also hold a PinnaclePlus Checking account
    • Build your savings faster by setting up direct deposits
    • Manage your account through Online Banking

    Pinnacle Money Market

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

    First Niagara Companion Savings

    0.10% APY

     

     

    Maintain an average daily balance of at least $400, make direct deposits of $25 or more to this account per month or maintain a consumer checking relationship with an average balance of $1.00 or more per month and we’ll waive the $4.00 monthly fee.

    $50

     

    • Full access to your funds
    • Manage your account through Online Banking

    Certificate of Deposit

    0.050% - 0.450% 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)
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First Niagara does not provide tax advice. Please consult your tax advisor.

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