Personal Savings

Wherever you are in life, we've got the savings account for you.

Featured Rates

Determine what loan is right for you by evaluating the rate, Annual Percentage Rate (APR), and points.

30 Year Fixed Rate

Rate APR Points
3.625% 3.653% 0.000%

15 Year Fixed Rate

Rate APR Points
2.875% 2.923% 0.000%

30 Year Fixed Rate - Jumbo

Rate APR Points
3.625% 3.645% 0.000%
See All Rates
Rates are subject to change

Money Market

Want to make your money
work even harder?

This account lets you earn higher interest rates with access to tiered rates while still having easy access to your savings – you can transfer money by pre-authorized, automatic, telephone, debit card or check to a third party up to six times a month.

Time Deposits

Earn higher interest.

If you agree to keep your money at Beneficial for a certain amount of time, you’ll get a higher interest rate than a traditional savings account. Deposits start at $500, and terms range from 3 months to 5 years.

Health Savings Accounts (HSAs)

Smarter banking means being prepared for upcoming medical costs that may be in your future. This specialized, tax-favored account is available to you if you have a High Deductible Health Plan.

*Consult your tax advisor.

Everything on the table

A complete breakdown of all our accounts.

 Statement SavingsPassbook SavingsTiered Statement SavingsStudent SaverCampus SavingsPersonal Money Market
BEST IF YOU WANT:Savings made easyTo keep track of your savings and earn interestEarn more and save more, exclusive to our Start EarningSM, Start RewardingSM, and Start BenefitingSM Package customers.Young savers up to age 17 earn bonus ratesSavers age 18 to 25Easy access to your money while earning higher rates
MINIMUM TO OPEN:$25$25$25$5$1$1,000
MINIMUM DAILY BALANCE:$50$50$0$0$0$1,000
HOW DO I WAIVE THE FEE?$5 monthly service charge waived if minimum daily balance requirement is met.$3 monthly service charged waived with $50 minimum daily balance.FREE for Start Earning℠, Start Rewarding℠, and Start Benefiting℠ Package customersNo monthly service chargeNo monthly service charge$10 monthly service charge waived if minimum daily balance requirement is met
ATM CARD:FREEN/AFREEAvailableFREEFREE
EARNS INTEREST:Yes, on balances of $25 or moreInterest is compounded daily and credited quarterlyTiered ratesTiered ratesTiered ratesTiered rates
NON-BENEFICIAL ATM FEES: These fees are charged by Beneficial Bank for using any non-Beneficial ATM:YesN/AYesNoNoYes
OVER-THE-COUNTER WITHDRAWALS:Unlimited1Unlimited1Unlimited1Unlimited1Unlimited1Unlimited2
Full Details

1Transfers by pre-authorized, automatic, telephone or debit card to a third party or other account are limited to six (6) per month.
2Transfers by pre-authorized, automatic, telephone, debit card or check to a third party or other account are limited to six (6) per month.

Account Benefits

Lots of ways to stay smart with your money.

From the Learning Library

A lot more goes into saving than just money

If you've got questions, here’s a good place to start.