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Savings Accounts

Find the Right Savings Account

Keesler Federal offers savings account options designed to help you build and manage your savings. Compare features, benefits, and account requirements to choose the option that fits your financial goals.

Compare Savings Account Options

Review the key features of each Keesler Federal savings account to see which option supports your savings goals. Compare account benefits, access options, and requirements side by side.
Best if you want to:
Minimum Deposit
Dividends
Automatic Transfers
Federally Insured by NCUA
Best if you want to:
Minimum Deposit
Dividends
Automatic Transfers
Federally Insured by NCUA

Primary Share Savings

Take advantage of the basic savings account that comes with your membership.
$5
0.15% to 0.20% or if balance is $5000 or more, paid quarterly

Alternate Share Savings

Personalize your savings account to fit your savings needs.
$0
0.15% to 0.20% or if balance is $5000 or more, paid quarterly

Christmas Share Savings

Save all year so the holiday shopping season won’t take you by surprise.
$1
0.30% paid quarterly

High Interest Money Market Account (HIMMA)

Earn higher dividends with easy access to your funds.
$2,500
0.30% to 0.40% based on account balance. Paid monthly

HIMMA Premier High Interest Money Market Account

Earn a maximum dividend over a 6 month period with access to your funds.
$0 - New Deposits Only
3.25% APY or 3.20% interest rate for the first 6 months

Checking Saver

Allows you to earn dividends on your rewards.
$0
1.00% APY on balances up to $150,000 when qualifications are met 0.05% APY on all balances, even if qualifications are not met
Youth Savings Programs

Savings Accounts for Young Members

Keesler Federal offers savings accounts designed for children, teens, and even newborns to help families start building strong financial habits early.

  • Open your child’s account with a minimum deposit of $5

  • Includes a savings passport to track deposits and withdrawals

  • Earn rewards through a punch card program for regular savings

  • Receive an activity book to support financial learning

  • Earn giveaway items for deposits made at Keesler Federal branches
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SAVINGS REWARDS

What Is Checking Saver?

Checking Saver is a free savings account that rewards you with dividends when you meet the qualifications of your linked Keesler Federal checking account. There is no minimum balance required to earn rewards.

  • No minimum balance required to open or maintain the account

  • Earn dividends by meeting checking account qualification requirements

  • Automatically qualifies when paired with eligible checking accounts

  • Earn higher rates when you qualify for Checking Pays rewards

  • Simple to qualify by using your debit card and everyday banking

  • Variable rate savings account designed to reward active members
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SAVINGS ACCOUNT BENEFITS

Savings Tools and Features

Keesler Federal savings accounts include tools to help you grow and manage your money. Explore the features that support everyday saving and long-term financial goals.
Online and Mobile Access

Manage your savings accounts anytime through Keesler Federal online and mobile banking. Members can check balances, transfer funds, deposit checks, and track account activity securely from one place.

Woman at cafe looking at a cell phone.
Woman at cafe looking at a cell phone.
Online and Mobile Access

Manage your savings accounts anytime through Keesler Federal online and mobile banking. Members can check balances, transfer funds, deposit checks, and track account activity securely from one place.

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Build Savings Automatically

Set up automatic transfers from checking to savings to build your balance over time. Scheduled transfers make it easier to stay consistent with your savings goals.

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Track Your Savings Online

Through online banking, we offer financial wellness tools to help you monitor balances, track spending patterns, and better understand how your saving habits support your financial goals.

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Stay Informed

Account alerts help you stay aware of activity in your savings accounts. Set notifications for balance changes, transfers, or important account updates.

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Access Funds Easily

Withdraw cash, transfer funds, and check balances using Keesler Federal ATMs and partner networks whenever you need account access.

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Actively Save Spare Change with Smart Change

Smart Change is a savings feature that rounds up your debit card purchases to the nearest dollar and transfers the difference into a savings account. This allows you to save automatically with everyday spending.

Your rounded-up deposits earn dividends at 2% APY*, helping your savings grow over time. To use Smart Change, you need an eligible Keesler Federal checking account and debit card. Enrollment is available by phone or at a branch. Enroll by calling 1-888-KEESLER or find your nearest branch to enroll in person. 

(*APY = Annual Percentage Yield)

Terms and Conditions

View the Membership and Account Terms and Conditions for more information about your account.