Big Prize Savings
Win Cash Prizes Just By Saving Money
Our Big Prize Savings account is a one-of-a-kind savings account that gives you entries into monthly cash drawings just for building your savings. We give away $1,000 every month, $10,000 every quarter, and $50,000 every year end. Get in on the excitement and open your account today!
- Open account in minutes with just a $25 opening deposit
- Keep at least $500 in the account every day and you're automatically entered to win
- Earn additional entries for every $25 saved on top of the $500 balance
- Earn chances to win cash prizes up to $50,000
Goal Setter Savings
Dedicated Savings for Your Goals
Give your savings a purpose with an account designed around the goals that matter to you. Whether you’re planning for a vacation, a new car, or another big milestone, our Goal Setter Savings account helps you stay focused, organized, and motivated while you save.
- Save for a particular event or purchase
- Name your account after your goal
- Open account in minutes with a $50 opening deposit
- Earn competitive dividends on balances of $500 or more
Holiday Club Savings
Save All Year for Holiday Cheer
Our Holiday Club Savings account makes it easy to plan ahead for the season’s expenses while growing your savings throughout the year. Set money aside little by little, earn competitive dividends, and enjoy a convenient payout on November 1st just in time for holiday shopping, travel, and celebrations.
- Build your savings all year to get paid out on November 1st
- Open account in minutes with only a $5 opening deposit
- Earn competitive dividends on balances of $5 or more
- Can withdraw funds before November 1st for a $10 fee
Regular Savings
A Simple Way to Save
Our Regular Savings account gives you a simple, flexible way to build healthy savings habits while keeping your money accessible when you need it. Earn competitive dividends, enjoy unlimited transactions, and add extra peace of mind with optional overdraft protection linked to your checking account.
- Open account in minutes with only a $50 opening deposit
- Earn competitive dividends on balances of $500 or more
- Unlimited transactions
- Funds can be used for overdraft protection to a linked checking account
Our Savings Account Rates
As of 06/10/2026
Account
Opening Deposit
Minimum Balance for APY
Dividend Rate
APY
Big Prize Savings^
$25
$500
$3,000
0.05%
0.05%
0.05%
0.05%
Goal Setter Savings
$50
$500*
$3,000
0.05%
0.05%
0.05%
0.05%
Holiday Club Savings
$5
$5
0.25%
0.25%
Regular Savings
$50
$500*
$3,000
0.05%
0.05%
0.05%
0.05%
APY = Annual Percentage Yield. The rate may change after the account is opened and is accurate as of the last dividend declaration period. *Balances under $500 minimum are subject to monthly service fees. Refer to Schedule of Fees & Services for details. Fees may reduce earnings.
^Must be 18 years of age or older to open a Big Prize Savings Account. $25 opening deposit required. A minimum of $500 average monthly daily balance is required to be eligible for prize drawings. The standard dividend rate applies with a minimum balance of $500. Exclusions for American First employees, volunteers, family members, and their households apply. Personal accounts only. Other exclusions may apply. The Official Big Prize Savings Rules on this site supersede all print, digital, and other marketing material.
