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Personal Savings

Push past your savings goals. 

Check out our hand-picked account options that are sure to help reach your goals. 

Our Piggy Bank Saver account is a minor savings account designed for those under the age of 18. Ready to fill the piggy bank?  Check out the details below about our Piggy Bank Savings account. 

piggy bank saver account DETAILS:

  • $10 to open the account
  • Designed for those under 18 years old

Looking for a no-frill savings account option? Check out the details below about our Simple Saver savings account. 

simple saver savings account DETAILS:

  • $100 to open the account.
  • Avoid the $5 monthly service charge by maintaining $100 average daily balance. 
The Rewards Saver** is the perfect partner to the Rewards Cash and Rewards Cash Back checking accounts! Check out the details below.

rewards saver account DETAILS:

  • $0 to open the account, but it has to be paired with a qualifying Rewards Checking Account.
  • No monthly service fee.
  • Earns 0.50% APY* on balances up to $100,000.
  • Earns 0.50% -  0.27% APY* on balances over $100,000.
  • Earns 0.01% APY* if qualifications are not met in your Rewards Cash or Rewards Cash Back account.
  •  Free online and mobile banking.


To earn your rewards, simply do the following activities in your Rewards Cash or Rewards Cash Back account each monthly qualification cycle:

  1. Have at least 12 debit card purchases post and settle
  2. Have at least 1 automatic payment (ACH) or direct deposit post and settle
  3. Be enrolled and agree to receive e-statements

You'll still have a free savings account, plus a base rate of 0.01% APY*--and you can get right back to qualifying for the additional rewards the following month!

Keep in Mind!

Keep in mind that Rewards accounts are not to be used for commercial purposes, and only one Rewards savings account per tax identification number is permitted.


*APY = Annual Percentage Yield

**Reward Information: When your linked Rewards Cash or Rewards Cash Back account qualifications are met during a Monthly Qualification Cycle, your Rewards Saver account balances up to $100,000 receive an APY of 0.50%;  and balances over $100,000 earn 0.25% interest rate on the portion of balance over $100,000, resulting in a range from 0.50% to 0.27% APY depending on the account’s balance. When qualifications are not met, all Rewards Saver balances earn 0.01% APY.  APYs are accurate as of 05/06/2022. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Rewards may vary by account. Monthly Direct Deposit, ACH credit and receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. A Rewards Checking account is required to have a Rewards Saver account. There are no recurring monthly service charges or fees to open or close this account. Contact one of our dedicated Bankers for additional information, details, restrictions, processing limitations and enrollment instructions.  

Check out the details below about our Manager's Money Market account. 

manager's money market account DETAILS:

  • $10,000 to open a Manager’s Money Market account.

  • $20 monthly service charge (waived if the average daily balance is $10,000 or more).Connect With Us

Our Certificates of Deposit (CD) and IRA options vary in lengths and terms. 

CD & IRA Details:

  • $1,000 to open a CD

  • $500 to open an IRA

To discuss our competitive rates on our personal savings options, please give us a call or stop by one of our locations.


APY = Annual Percentage Yield

Savings and Money Market accounts are assessed an excessive transaction fee.  For the Rewards Saver and Manager's Money Market, a fee of $1.00 per debit after six debits per month is assessed.  For the Simple Saver, a fee of $1.00 per debit after eighteen debits per quarter is assessed.

First Colorado National Bank is a Member FDIC and an Equal Housing Lender. APY (Annual Percentage Yield) is accurate as of 05/06/2022. Rates and rewards are variable and may change after account opening. Fees could reduce earnings.

All products may be subject to additional terms and conditions.