A Savings Account That Works for You

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The Best Savings Account Around

By opening a savings account at Peach State you'll be a member of the credit union and earn a competitive savings interest rate1. Plus you'll be a part of something bigger... a smart place to bank!

  • Accessible You'll enjoy 24/7 online access to account balances and transactions.
  • No Monthly Fees We don't charge monthly savings account fees.
  • Low Minimums Low $5 minimum balance requirement.1
  • Earn Dividends Earn dividends monthly on the average daily balance.2
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1 An initial deposit of $5 is required to maintain your stake in the credit union, and there is a one-time membership fee ($5) and USA Patriot Act recovery fee ($5). All members must maintain a $5 balance in their Savings account to remain a member-owner and demonstrate regular activity in their account to keep it open. Other fees may apply.

2 You must maintain a minimum $100 balance in order to earn dividends.

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Best Savings Account Rates

At Peach State, you'll get the best Savings Account rates in Georgia and South Carolina. Earn dividends monthly when you maintain a balance of $100 or more in your Savings Account. 

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*APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions and services are subject to change without notice. Fees could reduce earning on the account. Certain restrictions may apply. Subject to membership availability.

Savings Account Interest Rates

Tier
Dividend Rate
APY*
Tier
Tier I
$100.01-$2000.00
Dividend Rate
0.30%
APY*
0.30%
Tier
Tier II
$2000.01-$10,000.00
Dividend Rate
0.30%
APY*
0.30%
Tier
Tier III
$10,000.01 and Over
Dividend Rate
0.30%
APY*
0.30%
Effective May 22, 2024

*APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions and services are subject to change without notice. Fees could reduce earning on the account. Certain restrictions may apply. Subject to membership availability.

Testimonial

Share Your Story
I have been with Peach State for over 25 years. I have never had a negative experience.

- Kelli S.
 
I have been with this credit union for over 20 years and continue to have good experiences doing business here.

- Sabrina W.
Professional, knowledgeable staff. Great rates and attention to members’ account needs. I love my credit union. 

- Bob W.

Club Accounts

Club Accounts are special savings accounts you can open to save for a specific purpose or event. For your convenience, Christmas Club Accounts will automatically transfer to one of your other accounts at the end of October.

  • Budget for holiday spending.
  • Save for education expenses.
  • Save for taxes or other large bills.
  • Save for a wedding, vacation, or another event.
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*APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions and services are subject to change without notice. Fees could reduce earning on the account. Certain restrictions may apply. Subject to membership availability.

Club Account Rates

Account
Dividend Rate
APY*
Account
IRA
Dividend Rate
3.20%
APY*
3.25%
Account
Christmas
Dividend Rate
0.30%
APY*
0.30%
Account
Vacation
Dividend Rate
0.30%
APY*
0.30%
Account
Other
Dividend Rate
0.30%
APY*
0.30%
Account
Student
Dividend Rate
0.30%
APY*
0.30%
Effective October 18, 2024

*APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions and services are subject to change without notice. Fees could reduce earning on the account. Certain restrictions may apply. Subject to membership availability.

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BEST SAVINGS ACCOUNT

Put Your Money Where it Matters

Put your money in a Credit Union Savings Account. When you open a Savings Account, you join Peach State and become a member-owner of the credit union.

  • Deposit Insurance: All of your savings at the credit union are federally insured by the National Credit Union Share Insurance Fund for up to $250,000. Your accounts are also insured up to an additional $750,000 with coverage by Excess Share Insurance Corporation (ESI), a licensed insurance company, for a combined coverage of up to $1,000,000.
  • Bank with a financial institution that gives back to the community through the Peach State FCU C.A.R.E.S. Foundation.
  • Receive quarterly statements and enjoy 24/7 online access to your account details.
  • Setting up a direct deposit into your Savings Account makes saving a breeze!
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Three Practical Budget Templates
3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Frequently Asked Questions

These are a few of the commonly asked questions about Savings Accounts.
For even more FAQs, check out our Member Knowledge Base.
Who can join Peach State?
Peach State offers membership to the employees of our sponsor Boards of Education, and many Select Employee Groups (SEGs) and associations...
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Can my family members join Peach State?
Yes, we’d love the opportunity to serve you and your family! If you're eligible to join Peach State, your immediate family and household members...
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Is there a fee to join Peach State?
There is a one-time, non-refundable membership fee and a one-time, non-refundable USA Patriot Act Recovery fee...
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Member Knowledge Base