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
4.000% 4.037% 0.000%

15 Year Fixed Rate

Rate APR Points
3.250% 3.315% 0.000%

30 Year Fixed Rate - Jumbo

Rate APR Points
4.000% 4.026% 0.000%
See Details and Disclosures
Rates are subject to change

These rates are not guaranteed and are subject to change without notice. This is not a credit decision or a commitment to lend.

Savings Accounts

Wherever you’re going in life, we’ll help you save for it.

  • Beneficial statement iconStatement Savings

    This account puts your money to work for you. We'll send you monthly statements so you can track your money as it grows.

    Earn interest on balances of $25 or more | We'll waive the $5 monthly service charge if a $50 minimum daily balance is met

  • Beneficial passbook iconPassbook Savings

    A passbook account lets you track deposits, withdrawals and your money’s growth.

    We’ll waive the $3 monthly service charge if a $50 minimum daily balance is met | Open an account for as little as $25

  • Beneficial tiered statement iconTiered Statement Savings

    Exclusively for Start Earningsm, Start Rewardingsm or Start Benefittingsm Package customers.

    No monthly service charge | Tiered rates let you get higher interest rates as your savings grows

Money Market

Want to make your money work even harder?

money market account

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.

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Time Deposits

Earn higher interest.

money market account

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.

Open Account      See Rates

Student Savings

The best way to save big is to start early.

  • Beneficial student savings iconStudent Saver

    Children up to 17 years old can open a savings account in their own name, receive a monthly statement and watch their savings grow. We’ll even put $10 in their account just to get them started.**

    No monthly service charge | Tiered rates so your interest rate grows with your balance | Open with as little as $5

  • Beneficial capus savings iconCampus Savings

    With this account, college students between 18 and 25 can save money without a monthly service charge and earn interest while they earn their degree.

    No monthly service charge | Tiered rates mean your interest rate grows with your balance

Education and Retirement Savings

Targeted savings for a smarter future.

  • Beneficial coverdell iconCoverdell Education Savings Account

    It’s never too late to start saving for college. You may contribute up to $2,000 per year to these tax-free Time Deposit accounts for chidren under age 18 to cover education-related expenses.

    Earn interest on balances as low as $10 | Direct deposit available into this account from other Beneficial checking or savings accounts

  • Beneficial traditional ira iconTraditional Individual Retirement Account (IRA)

    Contributions to this IRA, a time deposit with terms available from 6 months to 5 years, may be fully or partially deductible from your current income taxes, depending on your circumstances. Generally, amounts in your traditional IRA (including earnings) are not taxed until distributed.*

  • Beneficial roth ira iconRoth IRA

    Contributions to this Roth IRA, a time deposit with terms available from 6 months to 5 years, cannot be deducted from current income taxes, but qualified distributions are tax-free as long as the plan has been in effect for at least five years and the account holder has reached age 59½. Unlike a traditional IRA, you may make contributions to your Roth IRA after you reach age 70½ and there are no required minimum distributions while the account owner is alive.*

From the Glossary

disclosure: Information relevant to specific
transactions that is required by law. More terms

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.

Your money gains interest until you’re ready to use it

HSA contributions by eligible individuals are tax-deductible*

HSA account

HSA contributions by employers are excluded from income*

HSA earnings are tax-deferred*

Contact Us

*Consult your tax advisor.

compare table

Everything on the table

A complete breakdown of all our accounts.

  Statement Savings Passbook Savings Tiered Statement Savings Student Saver Campus Savings Personal Money Market
BEST IF YOU WANT: Savings made easy To keep track of your savings and earn interest Earn more and save more, exclusive to our Start EarningSM, Start RewardingSM, and Start BenefitingSM Package customers. Young savers up to age 17 earn bonus rates Savers age 18 to 25 Easy 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 EarningSM, Start RewardingSM, and Start BenefitingSM Package customers No monthly service charge No monthly service charge $10 monthly service charge waived if minimum daily balance requirement is met
ATM CARD: YES N/A YES Available YES YES
EARNS INTEREST: Yes, on balances of $25 or more Interest is compounded daily and credited quarterly Tiered rates Tiered rates Tiered rates Tiered rates
NON-BENEFICIAL ATM FEES: These fees are charged by Beneficial Bank for using any non-Beneficial ATM: Yes N/A Yes No No Yes
OVER-THE-COUNTER WITHDRAWALS: Unlimited1 Unlimited1 Unlimited1 Unlimited1 Unlimited1 Unlimited2


Full Details

Less 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.




Beneficial Bank Footer Logo




1818 Beneficial Bank Place
1818 Market Street
Philadelphia, PA 19103

888.742.5272
info@thebeneficial.com
The use of non-secure email is intended for general questions, inquiries and comments only. Confidential Customer information cannot be accepted electronically.


Routing No: 236075689
SWIFT Code: BENFUS33

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USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you – When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents.