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Personal Banking

Personal Savings Accounts

Whether you’re putting away money for an emergency fund, planning for future expenses, or looking for a higher yield on your hard-earned savings, SouthEast Bank has a savings account to meet your goals. We’re here to help families save with confidence — offering strong rates, digital convenience and trusted local service. 

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Explore Savings Accounts

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Bonus Rate Savings

Best for frequent debit card users who want to earn up to 5x the national average for interest-bearing savings.(1)

Bonus Rate Savings is designed to reward smart money habits with a higher-than-average APY, so it’s a great fit for customers who actively use their SouthEast Bank checking account, manage their account online, and want to build their savings faster.

  • Earn up to 2.01% APY* on balances up to $10,000(2)
  • Pair with Bonus Rate Checking(7) for maximum earnings
  • Enable Round Up Savings(2) to automatically grow your balance with everyday purchases
  • $50 minimum to open
  • No monthly service fee
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Consumer Statement Savings

Best for straightforward savings with easy access.

Looking for a simple, dependable savings account without extra bells and whistles? The Consumer Statement Savings account is a traditional option that earns interest while making it easy to access your funds when you need them. It’s a reliable starting point for new savers or anyone who wants basic savings features.

  • Offers flexible access
  • Earn 0.05% APY* on your balance(3)
  • Great option for overdraft services when linked to checking
  • $50 minimum to open
  • No quarterly fee is balance requirements are met
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Premium Money Market Savings Account

Best for earning interest on higher account balances.

If you’re focused on growing a larger savings balance, Premium Money Market Savings is a smart option. This account features tiered interest rates, so the more you save, the higher rate you earn. You’ll also enjoy the flexible access to your funds through limited withdrawals and transfers.

  • Earn more as your balance grows with competitive, tiered interest rates(4)
  • Access your funds easily through digital banking and qualifying transfers and withdrawals
  • $2,500 minimum to open
  • No monthly fee if balance requirements are met
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Health Savings Account (HSA)

Enjoy tax-free interest while saving ahead for qualified medical expenses(5).

If you have a high-deductable health plan (HDHP), HSAs allow you to save for medical expenses in a tax-advantaged way. Prepare for healthcare costs while earning interest — and you get to keep the funds, even if you change jobs or insurance plans.

  • Tax-advantaged account (consult a tax advisor)
  • Use funds for health visits, prescriptions, and other approved medical expenses
  • Funds roll over each year—no “use it or lose it”
  • $50 minimum to open
  • Easily access funds with a debit card
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Online Banking

Enjoy Secure, Convenient Access

No matter which account you choose, you’ll enjoy banking tools that help you stay in control and save smarter. SouthEast Bank combines helpful local service with modern technology to give you the best of both worlds.

  • Free digital banking via the SouthEast Bank app or online.
  • Multi-layered account security and fraud monitoring 
  • Round Up Savings(2) option to automate savings through everyday purchases 
  • Access to local branches and ATMs throughout Tennessee and beyond
  • Tools to manage your budget, including easy transfers, spending limits, and more
Learn More About Online Banking

Savings Account Features

Online and Mobile Banking

Featuring bill-pay, transfers, budgeting tools, and more

No Fees at 55,000+ ATMs

Enjoy access to AllPoint Network ATMs worldwide

SouthEast Verifi Fraud Monitoring

24/7 fraud monitoring and text alerts (third-party rates may apply)

FDIC Insured Bank

FDIC-insured funds up to $250,000 per depositor, per account category

Savings Account FAQs

SouthEast Bank offers a fast and secure online application that allows qualifying Tennessee residents to open most savings accounts from home. There’s no need to visit a branch unless you’d like to!

Most of our savings accounts have no monthly service fees. Simply by meeting the minimum balance requirements, you can enjoy secure, interest-earning savings without worrying about ongoing charges or penalties.

All SouthEast Bank deposit accounts, including savings accounts, are FDIC insured up to the maximum limit allowed by law. For further questions concerning the safety of or coverages on your account, contact our Client Care Team or visit your local branch.

Some savings accounts, including Premium Money Market Savings and Health Savings accounts, may include access to a debit card. However, there may be certain limitations based on the account type. Talk to your local banker or contact our Client Care Team for more information.

Anyone currently enrolled in a qualifying high-deductible health plan (HDHP) can open a Health Savings account. Contributions may be tax-deductible, and the funds can be used for a wide range of healthcare-related expenses. Consult a tax advisor for further guidance about the tax advantages of utilizing HSAs for you or your family.

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*APY=Annual Percentage Yield.

Terms & Disclosures

1

5x national average based on FDIC National Deposit Rates, accurate as of 4/20/26.

2

Bonus Rate Savings: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 and are subject to change after account opening. $50 minimum to open. To earn the bonus rate, each statement cycle the account holder must have a SouthEast Bank checking account with the Round Up feature, enroll and maintain the Bonus Rate Savings account in eStatements, and post and settle at least 15 debit card purchases during the statement cycle from any personal SouthEast Bank checking account. If all qualifications are met during the statement cycle, the account will earn a 2.01% APY on balances of $10,000 or less. An interest rate of 0.20% will be paid on the portion of your daily balance that is greater than $10,000. The APY for this tier will range from​ 2.01% to 0.27%, depending on the balance in the account. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Limit one Bonus Rate Savings account per primary account holder tax ID. A $3 paper statement fee is waived when enrolled in eStatements or with a daily average account balance of $1,200 or a daily average relationship balance of $10,000; Unlimited check writing and unlimited withdrawals are subject to available funds. Fees may reduce earnings. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

Round Up Savings: Upon enrollment in Round Up Savings, SouthEast Bank will round up your debit card purchases of $1 or more to the nearest dollar and transfer the difference from your SouthEast Bank checking account to your designated SouthEast Bank savings account. All debit cards connected to the checking account will round up to your savings account. You must be a primary owner on each checking and savings account that you enroll. Round-up amounts will be transferred separately throughout the day.

3

Consumer Statement Savings: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 and are subject to change after account opening. $50 minimum to open. Interest is calculated based on the account's total daily balance and is credited quarterly. Unlimited check writing and unlimited withdrawals are subject to available funds. Fees may reduce earnings. Some fees and restrictions apply.

Fees: $5 service fee per quarter waived with an average daily balance of $100; $3 paper statement fee waived when enrolled in eStatements or with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

4

Premium Money Market Savings: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 and are subject to change after account opening. $2,500 minimum to open. Interest is calculated based on the account's total daily balance and is credited monthly. Withdrawals limited to six (6) items per month. Any debited item/transfer applies to this item count. There will be no fee imposed for excessive withdrawals. SouthEast Bank reserves the right to review account activity to determine account abuse in the form of excessive withdrawals. Such withdrawals may result in a conversion to a transaction account. Fees may reduce earnings. Fees: $12 service fee per month waived with a minimum daily balance of $2,500. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

5

Health Savings Account (HSA): $50 minimum to open. The account owner must participate in a high-deductible insurance plan, and annual limits apply. Funds are accessible by debit card only. Unlimited withdrawals are subject to available funds and for qualified health expenses. Interest is calculated based on total daily balances and credited quarterly. This is a variable-rate account. Rates are subject to change after account opening. Fees may reduce earnings. Some fees and restrictions apply. Consult your tax professional for eligibility requirements.

Fees: $2.50 service fee per quarter. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply.

6

47x national average based on FDIC National Deposit Rates, accurate as of 4/20/26.

7

Bonus Rate Checking: *APY=Annual Percentage Yield. Rates are accurate as of 5/1/26 and are subject to change after account opening. $50 minimum to open. To earn the bonus rate, each statement cycle the account must be enrolled in eStatements and post and settle at least 15 debit card purchases of $1 or more. If all qualifications are met during the statement cycle, the account will earn a 3.30% APY on balances of $20,000 or less. An interest rate of 0.20% will be paid only for that portion of your daily balance that is greater than $20,000. The APY for this tier will range from 3.30% to 0.47%, depending on the balance in the account. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Limit one Bonus Rate Checking account per primary account holder tax ID. A $3 Paper Statement fee is waived by enrolling and receiving eStatements or having a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Unlimited check writing and unlimited withdrawals are subject to available funds. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply. Fees may reduce earnings.