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Our Keystone Savings Account is a High APY Account

Who knew that a Keystone Savings account could be so rewarding?

Up to 0.50% APY1

Link this lofty account with your Keystone Cash or Keystone Cashback checking account to earn rewarding rates. Keystone Savings accounts earn up to 0.50% APY1!

Savings Made Easy

No Monthly Service Charge

We won’t charge you a monthly service charge for having a Keystone Savings account.

No Minimum Balance

There’s no minimum balance required to earn interest. Minimum deposit to open a Keystone Savings account is $10.

Rewarding Rates

BalanceInterest RateAPY1
Balances up to $25,000**0.50%0.50%
Balances over $25,000**0.25%0.50% to 0.25%
All balances if qualifications are not met**0.05%0.05%

1 APY = Annual Percentage Yield as of 7/9/2024. Compounded monthly. Rates are subject to change at any time. No minimum balance, $10.00 minimum to open. You must meet the qualifications of your linked Keystone Cash or Keystone Cashback Checking Account in order to receive the higher interest rate on your Keystone Savings Account. Qualifications include 12 debit card purchases that post and settle within qualification cycle, enrollment in and monthly login to online banking, and the receipt of eStatements in place of paper statements. Transactions may take one or more business days from the date the transaction was made to post and settle. ATM-processed transactions do not count towards qualifying debit card purchases. Limit one Keystone Rewards checking and savings account per tax-reported owner. Fees may reduce earnings.

**The interest rate and APY that apply to your Keystone Savings account will be determined based on whether you have met the qualification criteria for your Keystone Cash or Keystone Cashback Checking account. When the Keystone Cash or Keystone Cashback qualifications are met, the interest rate and corresponding annual percentage yield on your Keystone Savings Account will be tiered. If your daily balance is $25,000.00 or less, the interest rate paid on the entire balance will be .50% with an annual percentage yield of .50%. An interest rate of 0.25% will be paid only for that portion of your daily balance that is greater than $25,000.00. The annual percentage yield for this tier will range from .50% to 0.25%, depending on the balance in the account.
When the Keystone Cash or Keystone Cashback Checking qualifications are not met, the interest rate on your Keystone Savings Account will be 0.05% and the annual percentage yield will be 0.05%.

Features That Save You Time

Earning a Higher Rate Is Easy

You must meet the qualifications of your linked Keystone Cash or Keystone Cashback checking account each monthly qualification cycle in order to receive the higher rate. These are the qualifications:

12 Debit Card Purchases

Use your debit card to make at least 12 purchases during each monthly qualification cycle.

Enroll in eStatements

Make sure that you’re enrolled in eStatements instead of paper statements.

Use Online Banking

Enroll in online banking and log in at least one time per monthly qualification cycle. You can even use our mobile app!

If you do not meet the monthly qualification – no penalty, no worries – just try again next month!

Check out our Rates Here: https://www.fkc.bank/information/rates/

Keystone Savings. A rewarding savings account built just for you.

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