Personal Savings
Save for a Rainy Day — or Anything Else
This account makes saving easy while you earn competitive interest — for a rainy day fund, a down payment, a dream vacation, or any goal you're working toward.
Personal
| DECISION BASICS | |
| Minimum to Open | $100 |
| Monthly Service Fee | $3.00 (waived*) |
Why Save With Blue Ridge Bank?
Local Bank. Real Benefits.
Competitive Interest Earnings
Earn competitive interest on your entire balance, compounded and credited quarterly — perfect for a rainy day or any savings goal.
Automate Your Savings
Set up direct deposit to build toward your goals automatically, and move money between your BRB accounts online, in the app, or at any branch.
Combined Statements
Have your savings activity combined with your checking account statement. Paper statements are available (a fee may apply)
FDIC Insured Up to $250,000
Your deposits are federally insured, making your savings one of the safest places your money can be.
What Are You Saving For?
Your Goals Are the Point
Emergency Fund
Financial experts recommend 3–6 months of expenses saved. A BRB savings account is the perfect home for your safety net.
Vacation Fund
Set a goal, make regular deposits, and let your savings grow until your next adventure is fully funded.
Home Down Payment
Saving toward homeownership? Build your down payment here — and when you're ready for the next step, a BRB banker can walk you through your options.
Holiday & Seasonal
Avoid debt by saving year-round for seasonal expenses. Automatic transfers make it effortless.
Included With Your Account
Plus, You'll Enjoy These Convenient Services
Why Save With Blue Ridge Bank?
Local Bank. Real Benefits.
Competitive Interest Earnings
Earn competitive interest on your entire balance, compounded and credited quarterly — perfect for a rainy day or any savings goal.
Automate Your Savings
Set up direct deposit to build toward your goals automatically, and move money between your BRB accounts online, in the app, or at any branch.
Combined Statements
Have your savings activity combined with your checking account statement. Paper statements are available (a fee may apply)
FDIC Insured Up to $250,000
Your deposits are federally insured, making your savings one of the safest places your money can be.
What Are You Saving For?
Your Goals Are the Point
Emergency Fund
Financial experts recommend 3–6 months of expenses saved. A BRB savings account is the perfect home for your safety net.
Vacation Fund
Set a goal, make regular deposits, and let your savings grow until your next adventure is fully funded.
Home Down Payment
Saving toward homeownership? Build your down payment here — and when you're ready for the next step, a BRB banker can walk you through your options.
Holiday & Seasonal
Avoid debt by saving year-round for seasonal expenses. Automatic transfers make it effortless.
Included With Your Account
Plus, You'll Enjoy These Convenient Services
How It Works
Open an Account in Minutes
1
Open With $100
Start with a $100 minimum deposit at openaccount.mybrb.bank or walk into any BRB branch location.
2
Automate Your Savings
Set up direct deposit to build toward your goals automatically, and maintain a $300 daily balance to avoid the $3 fee.
3
Earn Every Quarter
Earn competitive interest on your entire balance, compounded and credited quarterly.
Want to earn even more?
Explore Higher-Yield Savings Options
Current Rates
{{ personal-savings-rate }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS THE MINIMUM DEPOSIT TO OPEN A PERSONAL SAVINGS ACCOUNT?
You can open a BRB Personal Savings Account with a $100 minimum deposit.
IS THERE A MONTHLY FEE?
There is a $3.00 monthly service fee, which you can avoid by maintaining a $300.00 minimum daily balance.
HOW IS INTEREST COMPOUNDED?
You earn competitive interest on your entire balance, compounded and credited quarterly.
CAN I COMBINE MY SAVINGS AND CHECKING STATEMENTS?
Yes. A combined statement is available, so you can have your savings activity combined with your checking account statement. Paper statements are also available, though a fee may apply.
IS MY SAVINGS ACCOUNT FDIC INSURED?
Yes. All BRB deposit accounts are FDIC insured up to $250,000 per depositor, per ownership category.
CAN I EARN MORE WITH A DIFFERENT ACCOUNT TYPE?
Yes. If you're looking for higher yields, consider a BRB Money Market Account (tiered rates), a CD (guaranteed fixed rates), or Kasasa Saver® (automatic high-yield savings paired with checking).
{endAccordions}
Why Save With Blue Ridge Bank?
Local Bank. Real Benefits.
Competitive Interest Earnings
Earn competitive interest on your entire balance, compounded and credited quarterly — perfect for a rainy day or any savings goal.
Automate Your Savings
Set up direct deposit to build toward your goals automatically, and move money between your BRB accounts online, in the app, or at any branch.
Combined Statements
Have your savings activity combined with your checking account statement. Paper statements are available (a fee may apply)
FDIC Insured Up to $250,000
Your deposits are federally insured, making your savings one of the safest places your money can be.
What Are You Saving For?
Your Goals Are the Point
Emergency Fund
Financial experts recommend 3–6 months of expenses saved. A BRB savings account is the perfect home for your safety net.
Vacation Fund
Set a goal, make regular deposits, and let your savings grow until your next adventure is fully funded.
Home Down Payment
Saving toward homeownership? Build your down payment here — and when you're ready for the next step, a BRB banker can walk you through your options.
Holiday & Seasonal
Avoid debt by saving year-round for seasonal expenses. Automatic transfers make it effortless.
Included With Your Account
Plus, You'll Enjoy These Convenient Services
Want to earn even more?
Explore Higher-Yield Savings Options
Current Rates
{{ personal-savings-rate }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS THE MINIMUM DEPOSIT TO OPEN A PERSONAL SAVINGS ACCOUNT?
You can open a BRB Personal Savings Account with a $100 minimum deposit.
IS THERE A MONTHLY FEE?
There is a $3.00 monthly service fee, which you can avoid by maintaining a $300.00 minimum daily balance.
HOW IS INTEREST COMPOUNDED?
You earn competitive interest on your entire balance, compounded and credited quarterly.
CAN I COMBINE MY SAVINGS AND CHECKING STATEMENTS?
Yes. A combined statement is available, so you can have your savings activity combined with your checking account statement. Paper statements are also available, though a fee may apply.
IS MY SAVINGS ACCOUNT FDIC INSURED?
Yes. All BRB deposit accounts are FDIC insured up to $250,000 per depositor, per ownership category.
CAN I EARN MORE WITH A DIFFERENT ACCOUNT TYPE?
Yes. If you're looking for higher yields, consider a BRB Money Market Account (tiered rates), a CD (guaranteed fixed rates), or Kasasa Saver® (automatic high-yield savings paired with checking).
{endAccordions}
Want to earn even more?
Explore Higher-Yield Savings Options
Current Rates
{{ personal-savings-rate }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS THE MINIMUM DEPOSIT TO OPEN A PERSONAL SAVINGS ACCOUNT?
You can open a BRB Personal Savings Account with a $100 minimum deposit.
IS THERE A MONTHLY FEE?
There is a $3.00 monthly service fee, which you can avoid by maintaining a $300.00 minimum daily balance.
HOW IS INTEREST COMPOUNDED?
You earn competitive interest on your entire balance, compounded and credited quarterly.
CAN I COMBINE MY SAVINGS AND CHECKING STATEMENTS?
Yes. A combined statement is available, so you can have your savings activity combined with your checking account statement. Paper statements are also available, though a fee may apply.
IS MY SAVINGS ACCOUNT FDIC INSURED?
Yes. All BRB deposit accounts are FDIC insured up to $250,000 per depositor, per ownership category.
CAN I EARN MORE WITH A DIFFERENT ACCOUNT TYPE?
Yes. If you're looking for higher yields, consider a BRB Money Market Account (tiered rates), a CD (guaranteed fixed rates), or Kasasa Saver® (automatic high-yield savings paired with checking).
{endAccordions}
Want to earn even more?
Explore Higher-Yield Savings Options
Current Rates
{{ personal-savings-rate }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS THE MINIMUM DEPOSIT TO OPEN A PERSONAL SAVINGS ACCOUNT?
You can open a BRB Personal Savings Account with a $100 minimum deposit.
IS THERE A MONTHLY FEE?
There is a $3.00 monthly service fee, which you can avoid by maintaining a $300.00 minimum daily balance.
HOW IS INTEREST COMPOUNDED?
You earn competitive interest on your entire balance, compounded and credited quarterly.
CAN I COMBINE MY SAVINGS AND CHECKING STATEMENTS?
Yes. A combined statement is available, so you can have your savings activity combined with your checking account statement. Paper statements are also available, though a fee may apply.
IS MY SAVINGS ACCOUNT FDIC INSURED?
Yes. All BRB deposit accounts are FDIC insured up to $250,000 per depositor, per ownership category.
CAN I EARN MORE WITH A DIFFERENT ACCOUNT TYPE?
Yes. If you're looking for higher yields, consider a BRB Money Market Account (tiered rates), a CD (guaranteed fixed rates), or Kasasa Saver® (automatic high-yield savings paired with checking).
{endAccordions}
*Annual Percentage Yield (APY) accurate and effective as of 8/1/2026. 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. Avoid the $3.00 monthly service fee by maintaining a $300.00 minimum daily balance. Paper statements available (fee may apply).
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.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
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.