Free Saver Account
If for some reason you don’t meet these qualifications, it’s going to be just fine — You can still earn our base rate on Saver and get right back to earning full rewards the very next cycle that you qualify.
Turn your High Yield Checking and Free Rewards Checking rewards into dividend-earning savings — effortlessly!
Growing a rainy-day fund is a piece of cake with this free, dividend-earning account that helps you save your High Yield Checking or Free Rewards Checking rewards automatically. Built as the perfect match to a High Yield Checking or Free Rewards Checking account, it’s a great way to maximize the benefits of being a Harvesters account holder!
Contact us today to learn more about Saver or go ahead and visit us to enroll.
Details
- Free account that builds your savings effortlessly
- Links to free High Yield Checking orFree Rewards Checking
- Automatic transfers of High Yield Checking or Free Rewards Checking earnings
- 2.00% APY* on balances up to $100,000
- 1.12% to 2.00% APY on balances over $100,000 depending on balance in account*
- 0.25% APY* if qualifications are not met
- No minimum balance to earn rewards
- No monthly maintenance fees
- Free digital banking, including:
- Online banking
- Free mobile banking
- Free e-statements
- No minimum deposit to open
Qualifications
Qualifying for the higher Saver Rate Is So Easy, You’re Likely Already Doing It
When you qualify for your High Yield Checking or Free Rewards Checking rewards, you automatically qualify for the highest Saver rate, too! Enrollments must be in place and all of the following transactions and activities must post and settle to your High Yield Checking or Free Rewards Checking account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- At least 1 ACH credit or ACH payment transaction
If for some reason you don’t meet these qualifications, it’s going to be just fine — You can still earn our base rate on Saver and get right back to earning full rewards the very next cycle that you qualify.
View our qualification cycle here.
When your linked High Yield Checking or Free Rewards Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000.00 in your Saver account earn an APR of 1.98% and daily balances over $100,000.00 earn a dividend rate of 0.25% on the portion of the daily balance over $100,000.00, resulting in a range from 2.00% to 1.12% APY depending on the account’s daily balance. When your linked High Yield Checking or Free Rewards Checking account qualifications are not met, the entire daily balance in the Saver account earns a dividend rate of .25% resulting in an annual percentage yield of .25% APY. Dividends will be credited to your Saver account on the first processing day of the following statement cycle. APY = Annual Percentage Yield. APYs accurate as of March 29, 2023. APY calculations are based on an assumed balance of $100,000.00 + $100,000 in your Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings