Non-Interest Savings
Sometimes you just need a simple, safe place to hold your money. A no-interest savings account from Advia gives you a no-frills spot to set funds aside, with no minimum balance and 24/7 access through Digital Banking.
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What is a Non-Interest Savings account?
Non-Interest Savings is a basic savings account that holds your money without earning interest, giving you a simple, separate place to keep funds with no minimum balance, no monthly maintenance fee, and 24/7 Digital Banking access.
- No interest earned on your balance
- No minimum balance
- 24/7 access within Digital Banking
- Federally insured by NCUA up to $250,000 per depositor
- Open online, by phone, or at any branch
Why open a Non-Interest Savings account?
This account is built for simplicity. It's a great fit when you want to keep money separate and easy to reach, without worrying about balance requirements or fees.
- Keep funds separate from your everyday spending
- Set money aside for a specific purpose or bill
- Skip the minimum balance and monthly fee
- Access your money anytime through Digital Banking
- Save with confidence, knowing your funds are NCUA-insured
Is a Non-Interest Savings account right for you?
A Non-Interest Savings account is a simple holding account, so if you'd rather grow your money, one of our interest-earning accounts may be a better fit. Here's a quick comparison:
|
01 Money Market Col 1
|
Non-Interest Savings
|
Interest-Earning Savings (Regular / Advantage Plus High Yield)
|
|---|---|---|
| Best for |
A simple place to hold or separate funds |
Growing your savings over time |
| Earns interest |
No |
Yes |
| Minimum balance |
None |
Regular Savings $5; Advantage Plus $10,000 to earn dividends |
| Monthly fee |
None |
None |
| Access |
24/7 Digital Banking |
24/7 Digital Banking |
| Deposit insurance |
NCUA-insured up to $250,000 |
NCUA-insured up to $250,000 |
Want your money to earn? Take a look at Regular Savings or Advantage Plus High Yield Savings.
How a Non-Interest Savings account works:
Getting started takes just a few minutes.
Open online in Digital Banking, over the phone, or at any branch
Deposit whatever you'd like to set aside, with no minimum balance required
Reach your money 24/7 through Digital Banking
Keep your funds separate and NCUA-insured for as long as you need
Thinking about growing your savings instead?
A Non-Interest Savings account is built for holding money, not growing it. If you're weighing whether to earn interest on your savings, use our calculator to see how even a small amount set aside in an interest-earning account can add up over time.
Open a simple place to hold your money today.
Set your funds aside with no minimum balance, no monthly fee, and 24/7 Digital Banking access. We're here to help you open your account in minutes.
Frequently Asked Questions
No. This account is designed to hold your money without earning interest, which makes it a simple, no-frills place to set funds aside.
If you'd rather grow your money, an interest-earning account is a better fit. Take a look at Regular Savings for an everyday option, or Advantage Plus High Yield Savings if you want to earn a higher rate when you meet Advantage Plus Rewards qualifications.
No. A Non-Interest Savings account has no minimum balance and no monthly maintenance fee, so you can keep as much or as little set aside as you'd like.
Yes. Many members use a Non-Interest Savings account as a separate savings account to organize money by purpose, such as a specific bill or a set-aside fund.
Yes. Your funds are federally insured by the NCUA up to $250,000 per depositor, and you can access them anytime through Digital Banking.
Looking for a savings account that earns?
A Non-Interest Savings account is a great place to simply hold funds. If your goal is to grow your money, one of these might be a better fit:
- Money Market Savings — Earn progressive rates up to 0.60% APY with monthly interest and easy access
- Secondary Savings — Open dedicated savings accounts organized by goal — earn quarterly dividends on balances of $500+
- Holiday Club Savings — Save all year for the holidays and earn up to 0.20% APY with no minimum balance
- UTMA Savings — Save for a child's future and earn up to 0.60% APY with quarterly dividends
