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Digital Savings Account

Save today for a brighter tomorrow.

Whatever shape your dreams take, the Digital Savings Account is designed to help you reach your goals faster. This simplified savings solution lets you manage your account from your phone, tablet or laptop, wherever you go 24/7. No need to visit a branch. (Unless, of course, you want to.)

It’s the ideal option for those who want to start saving a little at a time, making this a win-win solution for your busy lifestyle. Best of all, you don’t have to maintain a large balance to qualify. Dividends are automatically posted to your account at the end of each month, so you can mark your savings progress

  • No minimum balance needed to get started
  • Rates as high as 3.25% APY*
  • Earn a great rate without needing a big balance
  • Earn the most on the first $5,000
  • Tie the Digital Savings Account to your SMCU checking account and use it as overdraft protection (transaction limits may apply)
Average Daily Balance
  Dividend rate
  Annual percentage Yield (APY)
$0.01 - $4,999.99 3.203 3.25
$5,000 - $9,999.99 1.982 2.00
$10,000 - $19,999.99 0.995 1.00
$20,000 and above  0.499 0.50


SMCU's Digital Savings Account -- your financial future starts here.

  Open Account View Savings Rates

Deposit rates and annual percentage yields (APY) are subject to change at any time. Current rates are available through the Rates Page on The Digital Savings Account is limited to one account per membership and requires eStatements as the statement delivery option choice upon account opening. Other restrictions and conditions may apply. Membership eligibility requirements apply.

Relax. You've got NCUA insurance.
Understand how your funds are insured.
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The Impact of Saving

Enter your deposit amount to see how much your savings can earn each year.

($0 - $99,999,999)
Deposit Distribution APY
Blended APY
First Years Interest

Enter your deposit amount to see how much your savings can earn each year.

Premium Checking
Here’s the perfect account to earn a high interest rate when you use your debit card often.

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