BUILD
SAVINGS

Whether you’re saving for a rainy day or a specific goal, your money goes further with a Build Savings account.

APPLY NOW

Earn 3.60% APY*

in your high-yield savings account

No minimum balance
Rate valid up to $4,999.99
No monthly fees

How it works

1. Open your account
No minimum balance required.

2. Start saving
With simple swaps and easy transfers, even $5 can help you meet your savings goals.

3. Watch it grow
Our competitive interest rate means the money you save earns more.

START TODAY

We’ll help you…

SAVE MONEY

The Build Savings account offers a competitive interest rate, so the money you save earns more. Just open your account and start saving.

MAKE IT EASY

We’ll provide you with essential tips, strategies, and tools to make saving easier, and more successful long-term.

HAVE FUN

As a benefit to our account holders, we hold frequent giveaways, prize drawings, and host special events.

REACH GOALS

If a goal isn’t set, it never gets met. Save up for emergencies, new snow tires, summer vacations, outdoor gear, and beyond.

BUILD SAVINGS FAQs

How do I set up an external bank account to make transfers into my Build Savings Account?

Option A

Select “Add an External Account” to connect your external account with its digital banking credentials.
Choose a financial institution from the list or search for one.
Once you find your financial institution, select it.
Enter your Username and Password for your external account to log in via Yodlee.
If multi-factor authentication (MFA) is enabled for the external account, a prompt to validate your credentials will appear.
On the Select Accounts page, choose the account(s) you wish to add.
Select “Submit.”
On the Verify page, click “Continue.”
After the account is verified, the external account is available immediately in the Transfers menu.

Option B

Select “Manually Add an External Account.”
Select the account type from the dropdown menu.
Enter the Routing Number.
Enter the Account Number.
Confirm the Account Number by entering it a second time.
Enter a Nickname.
Select the “Continue” button to add the account.
To verify the account, a code is sent via your chosen method—email, text, or call. Enter the code and click “Verify.”
The system will send two trial deposits to the account. This process may take up to three business days to complete. Before the account can be added to your profile, you must confirm the value of the first and second trial deposits.
To view the pending external account and confirm the trial deposit, go to your Dashboard and click on the “Confirm” notification that appears. Notifications are indicated by a dot near the bell icon in the top right corner. You can also find the confirmation in the Settings menu, under Accounts, then ACH accounts.
Select your account and click “Confirm.”
Enter the two trial deposit values and click on “Confirm” to successfully add the external account for transfers.

What is APY?

APY stands for Annual Percentage Yield. This percentage rate tells you how much money you’ll earn from a savings account with compounding interest. You earn interest on the money you deposit and on the interest, you previously earned in the savings account. This phenomenon, known as compounding, lets you build up your savings more quickly.

What interest rate applies on balances up to $4,999.99?

On balances up to $4,999.99, the competitive higher rate will apply. For balances of $5,000 or more, the base savings rate will apply.

*+ Qualifications required
APY = Annual Percentage Yield

Rate valid up to $4999.99
For balances of $5000 and above, the rate will revert to the base savings rate
Minimum balance to earn interest $0.01
Rates are subject to change without notice. Current rates valid as of 9/22/2025
Fees may reduce earnings on an account