Savings Accounts
At Interior Federal, we offer a range of Savings Account options with competitive rates, helping you achieve your financial goals, whether it’s saving for a rainy day, planning a large purchase, or investing in the future. With easy access through digital banking and online options, getting started has never been easier. We also offer tools like Direct Deposit to help you make saving automatic, keeping your financial goals on track.
Why Open a Savings Account with Us?
When you choose Interior Federal, you’re choosing more than just a place to store your money — you’re gaining access to a partner committed to your financial success. Here are a few reasons why our members trust us for their savings:
Competitive Interest Rates
Earn more with our highly competitive dividends.
Convenient Access
Manage your savings account with ease through our digital banking platform.
No Hidden Fees
We believe in transparent banking with no surprise charges or hidden fees.
Financial Education
Take advantage of our free Financial Education Center to develop a personalized saving strategy.
Security and Trust
Your funds are securely insured, and our team is here to support you every step of the way.
Explore Our Savings Account Options
Choosing the right savings option can help you better manage your money. We offer both Primary, Secondary, and Club Accounts, each designed to meet specific needs. Learn more below:
Primary Savings Account
Welcome to your first step as a Interior Federal member! In order to become a member, you’ll need to open a Primary Savings Account, which is ideal for general savings. By maintaining a balance in this account, you’ll grow your funds with our competitive dividends while gaining access to digital banking and all other membership benefits. And easily access your funds through our mobile app.
Minimum Opening Deposit
Just $25 to get started. You’ll need to maintain a balance of $25 in this account to remain a member.
No Monthly Maintenance Fees
Keep your savings growing without any deductions.*
Interest Rates
Earn competitive rates on your balance.
Access
Easily access your funds through our mobile app, digital banking, or branch locations.
Secure and Insured
Your savings are insured, providing peace of mind.
Secondary Savings Account
Do you have specific goals in mind? A Secondary Savings Account is the perfect solution for setting aside funds for vacations, emergency funds, home improvements, or even taxes. It also teams perfectly with our Goal Builder feature, which automatically deducts money from one of your other accounts to fund the kind of long-term projects you might need. Personalize each account to track exactly where your money is going and why.
No Minimum Opening Deposit
Get started with any amount.
Flexible Access
Manage your account 24/7 with digital banking, ensuring your funds are always within reach.
No Minimum Balance Requirements
Enjoy flexibility without the worry of account minimums (closed if balance remains zero for 18 months).
Account Customization
Name your account based on your goals, making it easier to manage your various savings efforts.
Club Accounts
Club accounts are similar to a regular savings account but are designed to help members save for a specific purpose. Our club accounts boast a higher dividend rate than our regular savings accounts. We offer two separate kinds of club accounts.
Vacation Club
Save for your next getaway by starting a Vacation Club Account. Access your funds any time you’re ready to book your trip but earn more while you search for the right destination!
Holiday Club
Save for the holidays by separating funds with a holiday club account. The funds become available each year on October 1st, just in time for holiday spending! Should you need access to your funds prior to October 1, there will be an early withdrawal penalty fee of $5.
Club Account Rates
- Holiday Club Savings
- .20%
- APY
.20%
Dividend Rate
- Vacation Club Savings
- .20%
- APY
.20%
Dividend Rate
Apply for Savings Account Options Today!
It’s easy to apply online for a savings account with Interior Federal. Whether you’re looking to create a savings account for general savings or need a more specialized solution, we’ve got you covered. Simply open a savings account online to start building your financial future.
For more information, explore our free savings accounts online to find the right solution for you.
Open an Account in 3 Steps
Please review the list of required documents before you get started.
Are You a Member?
Please use your Digital Banking credentials to login, then visit the Apply Online tab to begin your pre-filled application.
Not a Member Yet?
It’s easy to become a member and begin to take advantage of our wonderful products and services and other member benefits.
If you have an active account with Interior Federal but are unable to login to Digital Banking, click here.
For additional information or assistance, please call us at 800-914-8619.
*APY = Annual Percentage Yield. APY is based on the minimum balances of each tier, except for regular certificates that are based on $20,000.
^Message or data rates may apply depending on your wireless plan.
More details are available in our Schedule of Fees and Charges, Truth-In-Savings Disclosure and Membership Disclosure.