Savings Accounts

Whether you're saving for a particular purpose or just preparing for the uncertainties of tomorrow, a Robins Financial savings account will help make your money work for you. You won't find a more flexible way to save than our savings account.

With features including:

  • $25 initial deposit to open a new account
  • Minimum balance $100*
  • Competitive dividend rate (minimum balance required)
  • Descriptive quarterly statements
  • Access to 24-Hour Telephone Teller**
  • Withdrawals at your local branch
  • FREE Online Services:
    • Online Banking
    • Bill Pay
    • Mobile Banking
    • e-Statements
    • e-Alerts

* Minimum Balance - This balance is required to obtain the stated Annual Percentage Yield (APY) for the dividend period and to avoid the Below Minimum Balance Fee. View current rate information and see the Rate & Fee Schedule for Below Minimum Balance Fee information.

** Account Limitations - For Savings, IRA Savings and Prestige accounts, no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a pre-authorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Share Certificates & IRA Certificates

If you have funds that you won't need access to right away, why not put them in a Certificate Account? You'll get a higher rate of return, plus the flexibility of setting your term length. Our Certificate Accounts offer competitive rates and flexible terms from 6 months up to 5 years. All you need is a minimum of $500 to start.

Easy Save Share Certificate

Do you want to start investing, but don't have the minimum deposit needed for our other certificate accounts. With just as little as $100, you can take advantage of the Easy Save Share Certificate. This certificate offers a 12-month term along with competitive dividends. Plus, you can add to this certificate at any time (minimum $25 deposit).

We're sure to have a certificate to fit your needs. View our Rates and Terms to select the certificate account that is right for you.

Prestige Money Market Accounts

An investment account that earns you market rates with features such as:

  • No monthly maintenance fee
  • $2500 initial deposit to open a new account
  • Minimum balance $2500*
  • Competitive dividend rate (minimum balance required)
  • Descriptive quarterly statements
  • Access to 24-Hour Telephone Teller***
  • Overdraft protection**
  • Withdrawals at your local branch or ATM
  • FREE checks to members 55 and older
  • FREE Online Services:
    • Online Banking
    • Web Bill Pay
    • Mobile Banking
    • e-Statements
    • e-Alerts

* Minimum Balance - This balance is required to obtain the stated Annual Percentage Yield (APY) for the dividend period. View our current rate information and see the Rate & Fee Schedule for Below Minimum Balance Fee information.

** Overdraft Protection - Gives you peace of mind and security should you ever overdraw your account. Overdrafts will automatically transfer available funds to your checking account from your savings account or you may qualify for a line of credit loan or VISA® as another convenient option. To receive this service, ask a representative when opening your account. See the Rate & Fee Schedule for Overdraft Protection Fee information.

*** Account Limitations - For Savings, IRA Savings and Prestige accounts, no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Individual Retirement Accounts

A retirement account that pays you a competitive dividend rate. Robins Financial's IRA accounts provide a secure way to build a nest egg for retirement. With features such as:

  • Only $25 initial deposit to open a new account
  • No minimum balance required
  • Competitive dividend rate (There is no minimum balance required to pay dividends on an IRA savings.)
  • Descriptive quarterly statements
  • Allows you to defer paying taxes on dividends*
  • If applicable, allows you to deduct all or part of contributions on your tax return.*

  • Robins Financial offers a variety of IRA investments such as:

    • Traditional IRA
    • Roth IRA
    • Coverdell Education Savings Account


    View our current rate information.

    * It is recommended that you seek tax advice from your Tax Advisor before making decisions regarding your IRA investment.

    Early Withdrawals - Withdrawals made before age 59 and one half years of age are subject to IRS penalties.

At Robins Financial, we want to assist you in reaching your savings goals! Our Change the Way You Save program is designed to do just that.

Once you sign up, the amount of every debit card purchase you make will be rounded to the next whole dollar amount and the additional change is transferred to your savings account. Then all you have to do is sit back and watch your savings grow. Sign up for this great savings tool today by stopping by any branch location or contacting our Call Center.