Personal Savings Accounts

Be prepared for special events, automobile emergencies, retirement, and more by opening a personal savings account at any of Waypoint Bank’s local Colorado or Nebraska branches. We offer a few different options to make sure there is something for everyone. See below for details or download the comparison chart here.

Personal Savings

We offer a low opening balance (only $100 to get started) and do not charge high monthly fees for having a low balance, so you can use your money when you need it.

Set up direct deposit from your paycheck to help you make regular progress toward your goal. With online banking, you can also set up manual or automatic transfers right from your checking account.

Individual Retirement Account (IRA)

One day, you will no longer have a full-time income, so it is important to save up money to support you during your post-retirement years. Waypoint’s IRA Bank Savings account is a great way to prepare for this and offers great tax benefits compared to a typical savings account. Whether this is your main source of savings for retirement, or you want something to supplement your plan through your employer, contact us today to get started!

Trust Waypoint to be the IRA bank of choice to help guide your personal savings & financial success!

Certificates of Deposit (CDs)

Waypoint Bank offers individualized Certificates of Deposit (CDs), from 3 months to 60 months. We offer competitive rates that usually increase with a longer term. We often run specials so please check with your local branch for details.

Health Savings Accounts (HSAs)

Health Savings Accounts (HSAs) are a great way to help cover deductible and medical expenses. Waypoint Bank provides you with a debit card that makes it easy to purchase prescriptions, pay copays, buy medical equipment and more! The funds saved in Health Savings Accounts have tax benefits as well. These accounts are available to businesses and to individuals or families. Contact us to learn more!

Club Santa Savings

Our Club Santa personal savings account is a great way to save for Christmas shopping. You simply set up an automated transfer from an internal account periodically throughout the year to help you prepare for the holiday season. Around October 25 of each year, you will receive a check for the entire balance in your account to cover all your shopping needs.

Please Note: No manual deposits or withdrawals are allowed on this personal savings account; it is fully automated.

Not sure which to choose?

Let our highly-knowledgeable staff be your guide to financial success! We want to sit down and learn more about you so that we can work together to find the business and personal savings accounts and loans that are right for you.

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