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Savings

No matter what your needs

St. Johns Bank has a savings solution that will help your money grow. Whether your needs are short term - such as your next vacation - or long term - like a college education for your son or daughter - we have a solution for you. Plus, St. Johns Bank savings solutions come with the security of FDIC insurance.

Minimum Opening Deposit: $1,000
With Certificates of Deposit, you enjoy a guaranteed fixed interest rate for various terms from three to 60 months.
  • Interest is paid or compounded quarterly
  • Interest is earned on the ledger balance
  • For CDs of $5,000 or more, you may choose to have your interest credited monthly to a St. Johns Bank checking or savings account
  • For CDs of $10,000 or more, you may choose to receive your interest monthly by check
  • CDs are automatically renewable
  • As with most CDs, there is a substantial penalty for early withdrawal
  • Minimum balance of $1,000 required to obtain the advertised APY
  • Check Current Rates
Minimum Opening Deposit: $250
A Traditional IRA is a special tax-deferred account used to save for retirement. In addition, tax deductions are available for certain individuals. A Roth IRA is an account for post-tax dollars. Earnings are tax-deferred and certain distributions are tax-free.

  • Interest is earned on the ledger balance
  • Interest is compounded quarterly
For a Fixed Rate IRA
  • 12- to 60-month terms are available
  • No additional deposits are allowed
For a Variable Rate IRA
  • Additional deposits are allowed, in minimum amounts of $100
  • 12-month Variable IRA CD rate is equal to the 18-month fixed rate CD and changes accordingly

  • IRA certificates are automatically renewable
  • As with most IRA certificates, there may be a substantial penalty for early withdrawal
  • Minimum balance of $250 required to obtain the advertised APY
  • Check Current Rates
Since IRA accounts are influenced by tax laws, consult with your tax advisor about the eligibility and deductibility of contributions and other tax benefits.
Minimum Opening Deposit: $1,000
With a Money Market Account, you can enjoy tiered interest rates with the convenience of limited check writing.

  • Interest is earned on the collected balance
  • Interest is paid and compounded monthly
  • Tiered interest rates for increasing balance levels
  • Unlimited deposits and cash withdrawals (in person or at an ATM)
  • $10 fee if daily balance falls below $1,000 during monthly statement cycle
  • Overdraft Privilege limit of $700
  • Check Current Rates
†The following transaction limitations apply: You may make six debits by preauthorized or automatic transfers, or by telephone (including data transmission) per month. St. Johns Bank assesses a $10.00 fee for all transactions in excess of these limitations. The daily balance method is used to calculate the interest on this account. If account is closed before interest is credited, accrued interest is forfeited. 
Minimum Opening Deposit: $100
With a Statement Savings Account, you can enjoy simple, care-free saving at a really great rate.

  • Six free debit transactions per month. A $2 fee will be assessed for each additional debit.
  • Interest is earned on the ledger balance
  • Interest is paid and compounded quarterly
  • Just a $200 minimum daily balance required to avoid a monthly fee of $3
  • Statements are mailed quarterly, fees assessed monthly
  • Check Current Rates
  • $25 fee if account is closed within 90 days of opening
†The following transaction limitations apply: You may make six debits by preauthorized or automatic transfers, or by telephone (including data transmission) per month. St. Johns Bank assesses a $10.00 fee for all transactions in excess of these limitations. The daily balance method is used to calculate the interest on this account. If account is closed before interest is credited, accrued interest is forfeited. 
Minimum Opening Deposit: $1
Check out all the details of this special savings club for kids ages 17 and under on our Super Savers page.

  • Members earn prizes as their money grows
  • Members and their families are invited to a free, fun event each summer
  • Interest is earned on the ledger balance
  • Interest is paid and compounded quarterly
  • Standard $3 monthly maintenance fee is waived
  • Statements are mailed quarterly
  • Account automatically transfers to a Statement Savings Account once the member turns 18 years of age
  • Check Current Rates
†The following transaction limitations apply: You may make six debits by preauthorized or automatic transfers, or by telephone (including data transmission) per month. St. Johns Bank assesses a $10.00 fee for all transactions in excess of these limitations. The daily balance method is used to calculate the interest on this account. If account is closed before interest is credited, accrued interest is forfeited. 
Minimum Opening Deposit: $10
Smart ideas never go out of style. With a Christmas Club Account, you can ensure a happier holiday by saving all year round.

  • Minimum $10 automatic transfer (AFT) from a St. Johns Bank account required at least monthly
  • Interest is earned on the ledger balance
  • Interest is paid annually
  • $5 penalty for early closure
  • If account is closed before interest is credited, the accrued interest is forfeited
  • No withdrawals allowed until the annual distribution in October
  • Account balance will be transferred into the funding account at the end of October, ready for Christmas shopping!
  • Check Current Rates
Minimum Opening Deposit: $100

A Health Savings Account (HSA)** is an account established exclusively for the purpose of paying qualified medical expenses of the HSA owner, the HSA owner's spouse, and dependents (even if they are not covered by HDHP). Contributions are generally tax deductible and earnings are tax deferred. Distributions are tax free if used for qualified medical expenses.

  • $100 minimum opening deposit
  • $5 Quarterly Fee
  • ACH debits not allowed to this account
  • Interest is paid and compounded quarterly
  • Six free transfers allowed per 4-week period
    Unlimited withdrawals in person.
Where can I find additional information regarding my HSA? Visit the IRS website and refer to Publication 969 and/or contact your tax consultant.

**The following transaction limitations apply: You may make six debits by preauthorized or automatic transfers, or by telephone (including data transmission) per month. St. Johns Bank assesses a $10.00 fee for all transactions in excess of these limitations The daily balance method is used to calculate the interest on the account. If account is closed before interest is credited, accrued interest is forfeited. The interest rate and annual percentage yield may change after account opening. Earnings could be reduced should certain maintenance or activity fees be triggered.