Savings & Money Market Accounts

Statement Savings

Looking for a simple savings option to pair with your everyday checking account? Easily keep tabs on all your accounts with a single statement.

No monthly service charge
No minimum balance requirement
eStatements are optional

Effective Date: Tuesday, October 28, 2025

Checking, Savings & Money Market Accounts (Rate Table)
Program	Minimum Daily Balance to earn APY	Interest Rate	APY*	Actions

All Access & Dean's List	$25.00	4.00%	4.07%	Open an Account - All Access Checking

Balances > $3,000		0.07%	4.07% - 0.50%

NOW Checking	$25.00	0.05%	0.05%	How To Open - NOW Checking Account

Money Market Account	$25.00	0.05%	0.05%	Open an Account - Money Market

	$2,500.00	0.09%	0.09%
Statement Savings	$25.00	0.07%	0.07%	Open an Account - Statement Savings

Passbook Savings	$25.00	0.07%	0.07%	How To Open - Passbook Savings

Variable Rate IRA	$100.00	0.12%	0.12%	How To Open - Variable Rate IRA

Club Accounts	$1.00	0.07%	0.07%	How To Open - Club Accounts

(Student Statement Savings Accounts are available only to students in participating elementary schools in conjunction with School Savings program; there are no monthly service fees.)

*The minimum balance required to earn the stated Interest Rate and Annual Percentage Yield (APY) on the Money Market Account is $2,500. If the balance is below $2,500 for any day, your account will earn our then current NOW Checking Account rate for that day. The minimum daily balance required to open accounts, earn interest and obtain the Annual Percentage Yield on the above accounts is $25 ($1 for Club Accounts & Student Savings, $100 for IRA Variable Accounts). For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.

Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account.

These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.

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Preferred Savings

Elevate your savings strategy. The higher your balance, the better the rate you earn.

Tiered interest rates
No monthly service charge
$25.00 minimum balance requirement to earn interest

Effective Date: Tuesday, October 28, 2025

Preferred Savings (Rate Table)
Program	Minimum Daily Balance to earn APY	APY*	Actions
Preferred Savings Account*	$25	0.07%	Open an Account - Preferred Savings
	$5,000	0.07%
	$15,000	0.12%
	$30,000	0.15%
	$45,000	0.17%

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Premium Savings

Select a tiered savings product offering our most competitive yields based on your balance.

Tiered interest rates
No monthly service charge
$25.00 minimum to earn interest

Premium Savings

Effective Date: Tuesday, October 28, 2025


Program	Minimum Daily Balance to earn APY	Interest Rate	APY*	Actions
Premium Savings $ 0- $24.99	$25	0.00%	0.00%	Open an Account - Premium Savings Account
$25.00 - $14,999.99	$25	0.07%	0.07%
$15,000 - $44,999.99	$25	0.15%	0.15%
$45,000.00 - $74,999.99	$25	0.17%	0.17%
$75,000.00 - $124,999.99	$25	1.00%	1.00%
$125,000.00 - $249,999.99	$25	1.957%	1.975%
$250,000.00 - $499,999.99	$25	2.154%	2.175%
$500,000.00 or More	$25	2.349%	2.375%

*For Premium Savings Accounts the minimum balance to open an account is $25. The minimum daily balance required to earn interest and obtain the Annual Percentage Yield (APY) is $25. Interest is compounded monthly and credited on the last business day of each month. Fees could reduce earnings of the account.

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Club Savings

These accounts are often called "Goal Accounts" as customers use them to save throughout the year based upon an end-goal. Save throughout the year to prepare for holiday or even vacation-related expenses. In October, the balance of your holiday club account will be automatically transferred to your checking account or a check will be mailed to you, just in time for holiday shopping.

Open your account with as little as $1.00
Unlimited contributions
Save automatically by setting up direct deposit or an auto-transfer from another Dean Bank account

Effective Date: Tuesday, October 28, 2025

Checking, Savings & Money Market Accounts (Rate Table)
Program	Minimum Daily Balance to earn APY	Interest Rate	APY*	Actions

All Access & Dean's List	$25.00	4.00%	4.07%	Open an Account - All Access Checking

Balances > $3,000		0.07%	4.07% - 0.50%

NOW Checking	$25.00	0.05%	0.05%	How To Open - NOW Checking Account

Money Market Account	$25.00	0.05%	0.05%	Open an Account - Money Market

	$2,500.00	0.09%	0.09%

Statement Savings	$25.00	0.07%	0.07%	Open an Account - Statement Savings

Passbook Savings	$25.00	0.07%	0.07%	How To Open - Passbook Savings

Variable Rate IRA	$100.00	0.12%	0.12%	How To Open - Variable Rate IRA

Club Accounts	$1.00	0.07%	0.07%	How To Open - Club Accounts

(Student Statement Savings Accounts are available only to students in participating elementary schools in conjunction with School Savings program; there are no monthly service fees.)

*The minimum balance required to earn the stated Interest Rate and Annual Percentage Yield (APY) on the Money Market Account is $2,500. If the balance is below $2,500 for any day, your account will earn our then current NOW Checking Account rate for that day. The minimum daily balance required to open accounts, earn interest and obtain the Annual Percentage Yield on the above accounts is $25 ($1 for Club Accounts & Student Savings, $100 for IRA Variable Accounts). For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.

Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account.

These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.

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Money Market Accounts

Maintain easy access to your funds while earning money market interest rates.

Competitive rates
Maintain the low minimum balance requirement to avoid a monthly service charge

Effective Date: Tuesday, October 28, 2025

Checking, Savings & Money Market Accounts (Rate Table)
Program	Minimum Daily Balance to earn APY	Interest Rate	APY*	Actions

All Access & Dean's List	$25.00	4.00%	4.07%	Open an Account - All Access Checking

Balances > $3,000		0.07%	4.07% - 0.50%

NOW Checking	$25.00	0.05%	0.05%	How To Open - NOW Checking Account
Money Market Account	$25.00	0.05%	0.05%	Open an Account - Money Market
	$2,500.00	0.09%	0.09%

Statement Savings	$25.00	0.07%	0.07%	Open an Account - Statement Savings

Passbook Savings	$25.00	0.07%	0.07%	How To Open - Passbook Savings

Variable Rate IRA	$100.00	0.12%	0.12%	How To Open - Variable Rate IRA

Club Accounts	$1.00	0.07%	0.07%	How To Open - Club Accounts

(Student Statement Savings Accounts are available only to students in participating elementary schools in conjunction with School Savings program; there are no monthly service fees.)

*The minimum balance required to earn the stated Interest Rate and Annual Percentage Yield (APY) on the Money Market Account is $2,500. If the balance is below $2,500 for any day, your account will earn our then current NOW Checking Account rate for that day. The minimum daily balance required to open accounts, earn interest and obtain the Annual Percentage Yield on the above accounts is $25 ($1 for Club Accounts & Student Savings, $100 for IRA Variable Accounts). For IRAs, the minimum balance required to open the account and obtain the APY is $100.00.

Interest is compounded monthly and credited on the last business day of each month. Fees could reduce the earnings of the account.

These are variable rate accounts where the interest rate and Annual Percentage Yield may change after the account is opened.

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