Saving Accounts & CDs

Seacoast has a variety of saving account solutions for any  aspiration.

Find The Best Savings Accounts For Your Needs

Seacoast Bank offers a wide range of personal savings account solutions that make your money work as hard as you do.
From personal savings and CDs to money market accounts and IRAs, our knowledgeable banking associates can help you choose
the best savings accounts for your unique goals.

 

Personal Savings Accounts

CDs (Certificate of Deposit)

Enjoy a competitive fixed rate and a variety of terms with a Seacoast CD.
For other available rates and terms, visit your local Seacoast branch.

Money Market (MMA) & Additional Savings Accounts



Frequently Asked Questions (FAQs):

What is the best savings account for high interest rates?

  • We offer competitive interest rates on several of our savings accounts. Our Money Market account typically offers higher earning potential helping you maximize your savings.

How do I open a savings account online?

  • Opening a savings account online with Seacoast Bank is easy and convenient. Simply select the savings account that best meets your needs and follow the step-by-step instructions to complete the process. Your application will be reviewed within 48 hours of completion.

What are the fees associated with a savings account?

  • Most of our savings accounts have no monthly maintenance fees if you maintain the required minimum balance. Please refer to specific account details for information on minimum balance requirements.

Can I access my savings account through mobile banking?

  • Yes. Our advanced Online & Mobile banking capabilities allow you to manage your savings account, check your balance, transfer funds and more, all from your smartphone or tablet.

Are my deposits insured by the FDIC?

  • Yes, all deposits at Seacoast Bank are FDIC-insured up to the maximum allowable limit, ensuring your money is protected at all times.

Can I set up automatic transfers to my savings account?

  • Yes. We allow you to set up automatic transfers from your checking account to your savings account, making it easy to save consistently.

What is an IRA?

  • An IRA, or Individual Retirement Account, is a savings account with tax advantages designed to help you save for retirement. 

How does An IRA work?

  • Contributions to an IRA may be tax-deductible, and the investment earnings can grow tax-deferred until you withdraw them in retirement.

What are the benefits of opening a savings account for my child?

  • Opening a minor savings account for your child can teach them the value of saving money, help them develop good financial habits and provide a safe place for their savings to grow with interest.

What expenses can I use my HSA funds for?

  • HSA funds can be used for any qualified medical expenses including doctor visits, prescription medications, dental care, vision care and more.

What are the differences between money market accounts and savings accounts?

  • Money Market accounts offer higher interest rates and come with check-writing privileges and debit cards, but they require a higher minimum balance. Traditional savings accounts usually have lower minimum balance requirements and fewer access options but are ideal for straightforward saving. Both are FDIC-insured up to the legal limit.

Have questions? Speak with a Seacoast Banker

As your local banking option, we are here to answer any questions you have. Fill out the form below, and a Seacoast Banker will be in touch soon.

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1. You may be charged fees by the provider of the wireless network you are using to access mobile banking and mobile deposit services.

2. Annual Percentage Yield (APY) accurate as of December 20, 2024. Early withdrawal may be subject to penalty. Offer may be withdrawn at any time. Minimum opening deposit of $1,000 required. Offer not available to funds currently on deposit at Seacoast Bank. Special Annual Percentage Yield (APY) applicable to initial term only. At maturity, CD will automatically renew for the same renewal term.

3. IRA accounts are aggregately insured by the FDIC for $250,000 and they are insured separately from other deposit accounts. Please consult a tax professional for further information.