Savings Products

Savings is our middle name.  So, with our savings accounts you also get a MSA personal banker who is very knowledgeable and committed to helping you strengthen your savings habit and find the money in your budget to feed that new positive habit. 

We call our accounts CRA (Community Reinvestment Accounts).  We do everything we can to make sure your deposits are reinvested back into the communities from which they come.  

We have complimentary programs and services to help you become a “Master Saver.”   Adequate savings are the cornerstone for any sound personal financial plan.  Get this step right and many other financial goals are within reach.  Skipping this step jeopardizes many other long-term financial goals such as home ownership, funding education for children, saving for retirement, etc.  

Member Savings Account

Start saving with MSA’s Member Savings Account. Your interest rate is tiered based on your balance, the more you save, the more you earn! Besides maximum liquidity, you’ll also enjoy these added benefits:

  • $50 minimum opening deposit
  • Competitive tiered interest rates
  • Interest is compounded daily and credited quarterly
  • $3 per withdrawal charge for exceeding 6 per month
  • $5 monthly fee if the account balance falls below $100

5-Star Money Market Account

Higher balances deserve higher earnings. If you maintain a larger balance, this account provides you maximum interest opportunities on your liquid reserves. You’ll also enjoy these added benefits:

  • $50 Minimum to Open
  • Competitive tiered interest rates
  • Interest compounded daily and credited monthly
  • $3 Per withdrawal charge for exceeding 6 per month
  • $8 Monthly fee if the account balance falls below $5,000

CAP Rainy Day Savings Account

If you are a CAP member, our “Rainy Day Fund” savings account is a must. This exclusive account earns a significantly higher effective rate than a basic savings account only for our loyal CAP members.
If you are not a CAP member, call your “Trusted Local Advisor” and ask how you can become one today.

  • $500 minimum opening balance
  • Must be a Client Appreciation Program (CAP) member to open
  • Will receive a annual bonus in addition to interest earned**
  • Unlimited deposit privileges
  • $3 per withdrawal charge for exceeding 6 per month
  • $5 monthly fee if the account balance falls below $100
  • **Must be a qualified CAP member as of November 30th of each year in order to receive the bonus
  • **Must maintain a $500 average available balance in order to receive the bonus

Certificates of Deposit RatesIcon For: Rates

Term Rate APY*
91 Days 0.75% 0.75%
182 Days 0.90% 0.90%
1 Year 1.39% 1.40%
2 Year 1.69% 1.70%
3 Year 1.79% 1.80%
4 Year 1.59% 1.60%
5 Year 1.99% 2.00%
Learn More

Rates are subject to change at any time.