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Savings

Personal Savings

Give Every Dollar a Goal to Reach

Saving for next summer, locking in today's CD rate, or building toward retirement — there's a BRB account made for each goal. Compare your options and give every dollar a job.

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Decision Basics  
Top CD APY
Up to 3.75%
Accounts
7 options
Min to Open
From $10

Limited Time Offer

CD Specials — Lock In a Guaranteed Rate Before It Moves

5 Months 3.75% APY 10 Months 3.65% APY 23 Months 3.50% APY

Everyday Savings

Personal Savings

Competitive APY

Simple, easy to reach, and earning more than it would sitting in checking. This is your foundation account — ready for the unexpected and the things you're planning for.

  • $0 monthly fee with $300 daily balance
  • Zelle® & digital transfers included
  • Combined statement with your BRB checking

Min. Opening: $100

 

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Higher Balances

Money Market Account

Tiered APY

A larger balance should work harder for you. Our Money Market pays tiered rates — the more you save, the more you earn — with check-writing access whenever you need it.

  • Check-writing privileges + debit access
  • Interest compounds monthly
  • Tier up your earnings as your balance grows

Min. Opening: $2,500

 

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Auto-Save

Kasasa Saver®

High-Yield APY — Automatic

The best savings plan is one you never have to think about. Kasasa Saver® pairs with your Kasasa Checking and sweeps your rewards into savings every cycle — no transfers, no reminders, no fuss.

  • Pairs with Kasasa Cash® Checking
  • Rewards sweep automatically each cycle
  • One set of qualifications unlocks both accounts

Min. Opening: $100

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Limited Time

Limited Time — CD Specials

Certificates of Deposit

Up to 3.75% APY

Today's rates won't last forever. A BRB CD lets you lock one in for a term that fits your timeline — a guaranteed return, FDIC insured, with no market ups and downs to worry about.

  • 5-Month Special: 3.75% APY
  • Terms from 3 to 60+ months
  • FDIC Insured · Auto-renewal at maturity
  • Start with just $1,000

Min. Opening: $1,000

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Retirement

Individual Retirement Account

Competitive Fixed Rates

Decades away from retirement or right around the corner — it's never the wrong time to make the most of a tax-advantaged account. Traditional & Roth IRAs, with no setup fee and no maintenance cost.

  • Traditional & Roth IRA options
  • 2026 limits: up to $7,500 ($8,600 if 50+)
  • Speak with a Wealth Specialist for guidance

Min. Opening: $1,000

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Triple Tax Advantage

Health Savings Account (HSA)

Tax-Free Growth

With healthcare costs climbing, an HSA is one of the smartest ways to get ahead — a triple tax advantage, no 'use it or lose it' rule, and a balance that rolls over and grows year after year.

  • No 'use it or lose it' rules
  • Pairs with high-deductible health plans
  • Can serve as a secondary retirement vehicle

Min. Opening: $100

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Kids & Teens

Youth Savings

Standard APY

The best money lessons are the real ones. Youth Savings gives kids an account of their own, a joint parent/guardian account, and a $5 reward for every report card with an A — paid by their actual bank.

  • We pay $5 for every report card with an A!
  • Joint parent/guardian account
  • $2.47/mo fee waived with $10 balance

Min. Opening: $10

 

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Not Sure Which Account Fits?

See every savings account side by side — features, rates, and minimums in one view.

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Checking That Builds Savings Automatically

Pair Kasasa Cash® with Kasasa Saver®

Your rewards move into savings every cycle — no transfers, no willpower needed. Just a setup that quietly works for you.

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Kasasa Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated Annual Rewards $0
  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 25.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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  • Net cost of buying $0
  • Net cost of leasing $0
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total value at maturity $0
  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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  • Monthly deposit needed to reach goal $0
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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Estimated monthly payment $0
  • Total paid $0
  • Total interest paid $0
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Business Certificates of Deposit Rates

Term Interest Rate APY* Min. Balance
3 – 5 Months 1.49% 1.50% $1,000
6 Months 1.59% 1.60% $1,000
7 – 11 Months 1.69% 1.70% $1,000
12 Months 1.79% 1.80% $1,000
13 – 23 Months 1.29% 1.30% $1,000
24 – 35 Months 1.34% 1.35% $1,000
36 – 47 Months 1.39% 1.40% $1,000
48 – 59 Months 1.44% 1.45% $1,000
60 Months+ 1.49% 1.50% $1,000

*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.

Business Money Market Rates

Balance Rate APY**
$0 – $24,999.99 0.25% 0.25%
$25,000 – $49,999.99 1.00% 1.00%
$50,000 – $99,999.99 1.50% 1.53%
$100,000 – $249,999.99 2.00% 2.03%
$250,000 – $499,999.99 2.20% 2.23%
$500,000 – $999,999.99 2.55% 2.58%
$1,000,000 – $2,999,999.99 2.74% 2.78%
$3,000,000 – $4,999,999.99 2.94% 2.98%
$5,000,000 and Greater 3.18% 3.23%

**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.

Business Savings Rates

Balance Rate APY*
$500.00 0.10% 0.10%

*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.

Business with Interest Rates

Balance Rate APY*
$3,000.00 0.10% 0.10%

*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.

Certificate of Deposit Specials Rates

Term  Rate APY* Min. Balance
5 Months 3.71% 3.75% $1,000
10 Months 3.94% 4.00% $1,000
15 Months 3.94% 4.00% $1,000
23 Months 3.99% 4.05% $1,000

*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.

Charitable Checking Rates

Product Interest Rate APY*
Charitable Account 0.10% 0.10%

*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.

Consumer Certificates of Deposit Rates

Term Interest Rate APY** Min. Balance
3 – 5 Months 1.49% 1.50% $1,000
6 Months 1.59% 1.60% $1,000
7 – 11 Months 1.69% 1.70% $1,000
12 Months 1.79% 1.80% $1,000
13 – 17 Months 1.89% 1.90% $1,000
18 – 23 Months 1.29% 1.30% $1,000
24 – 35 Months 1.34% 1.35% $1,000
36 – 47 Months 1.39% 1.40% $1,000
48 – 59 Months 1.44% 1.45% $1,000
60 Months+ 1.49% 1.50% $1,000

**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.

First Honor Checking Rates

Product Rate APY*
First Honor Checking 1.50% 1.51%

*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.

Golden Advantage Certificate of Deposit & Specials Rates

Term Interest Rate APY* Min. Balance
12 Months 3.99% 4.05% $1,000
30 Months  4.04% 4.10% $1,000
36 Months  1.39% 1.40% $1,000
48 Months 1.44% 1.45% $1,000
60 Months 1.49% 1.50% $1,000

*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.

Golden Advantage Money Market

Balance Rate APY*
$2,500.00 and Greater 2.83% 2.88%

*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.

Golden Advantage Plus Checking Rates

Balance Interest Rate APY*
$0.00 – $2,499.99 0.03% 0.03%
$2,500.00 – $24,999.99 0.05% 0.05%
$25,000.00 – $49,999.99 0.05% 0.05%
$50,000.00 and Greater 0.08% 0.08%

*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.

Health Savings Rates

Product Rate APY‡
Health Savings Account 0.15% 0.15%

‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.

Kasasa Cash® Rates

Balance Min. Deposit to Open Rate APY*
$0.01 – $15,000.99 $100 4.41% 4.50%
$15,001.00 and Greater n/a 0.05% 0.05%
All balances if qualifications not met n/a 0.01% 0.01%

*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.

Kasasa Saver® Rates

Balance Min. Deposit to Open Interest Rate APY*
$0.01 – $100,000.99 $100.00 2.96% 3.00%
$100,001 and Greater $100.00 0.05% 0.05%
All balances if qualifications not met $100.00 0.01% 0.01%

*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.

Money Market Tiered Rates

Balance Interest Rate APY*
$0.00 – $2,499.99 0.25% 0.25%
$2,500 – $9,999.99 0.50% 0.50%
$10,000 – $24,999.99 0.75% 0.75%
$25,000.00 – $49,999.99 1.00% 1.00%
$50,000.00 – $99,999.99 1.25% 1.25%
$100,000.00 – $249,999.99 2.395% 2.43%
$250,000.00 – $999,999.99 2.49% 2.53%
$1,000,000 and Greater 2.49% 2.53%

*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.

Municipal Money Market

Balance Rate APY**
$0 – $24,999.99 0.25% 0.25%
$25,000 – $49,999.99 1.00% 1.00%
$50,000 – $99,999.99 1.36% 1.38%
$100,000.00 – $249,999.99 1.85% 1.88%
$250,000.00 – $499,999.99 2.05% 2.08%
$500,000.00 – $999,999.99 2.40% 2.43%
$1,000,000.00 – $2,999,999.99 2.59% 2.63%
$3,000,000.00 – $4,999,999.99 2.78% 2.83%
$5,000,000.00 and Greater 3.03% 3.08%

**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.

Personal Savings Rates

Product Rate APY*
Personal Savings 0.10% 0.10%

*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.

Youth Savings Rates

Product Rate APY**
Youth Savings 0.10% 0.10%

**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.

FDIC Insured Member FDIC Equal Housing Lender © 2026 Blue Ridge Bank, N.A.