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Personal Savings

Savings

All SouthEast Bank personal savings accounts include:

Online Banking with Bill Pay and E-Statements

Mobile Banking and Mobile Deposit

  • Personal Savings

    To open, please visit a SouthEast Bank branch. 

    Best Solution for

    setting aside extra money for a spending goal or emergency fund while also earning interest

    Description

    basic savings with easy access to your funds; 6 pre-authorized withdrawals per month; interest credited quarterly; quarterly statements 

    Service Charge

    $5 quarterly; waived when minimum daily balance of $100 is maintained

     

    Earn interest while saving for a spending goal or emergency fund.

    Service charge: $5 per quarter; waived for seniors age 62+, full-time students, or accounts maintaining minimum daily balance of $100

    Minimum to open: $100

    Withdrawals: 6 pre-authorized withdrawals per month at no charge; $2 each thereafter; unlimited withdrawals at teller window or ATM

    Interest: calculated on total daily balance and credited quarterly

  • Money Market Savings

    To open, please visit a SouthEast Bank branch. 

    Best Solution for

    earning a higher rate of return with access to your funds by simply writing a check 

    Description

    tiered rate account that earns higher interest based on higher balances; 6 pre-authorized withdrawals per month; monthly statements

    Service Charge

    $12 month; waived when minimum daily balance of $2,500 is maintained

    Minimum to Open

    $2,500

     

    Service charge: $12/month; waived if monthly balance exceeds $2,500

    Minimum to open: $2,500

    Withdrawals: 6 pre-authorized withdrawals per month at no charge; $2 each thereafter; unlimited withdrawals at teller window

    Interest: calculated on total daily balance and credited quarterly

    Rates:

    $0 - $9,999.99  0.10% APY*

    $10,000 - $49,999.99  0.10% APY*

    $50,000 - $99,999.99  0.15% APY*

    $100,000 - $249,999.99  0.20% APY*

    $250,000+  0.25% APY*

     

    *Annual Percentage Yields (APY) are accurate as 05/01/2018. Rates may change at any time without notice after the account is opened.

  • Milestone Savings

    To open, please visit a SouthEast Bank branch. 

    Best Solution for

    kids age 17 and under

    Description

    set and achieve financial goals with birthday, holiday, gift, and allowance money

    Service Charge

    no service charge

    Minimum to Open

    $1

     

    This special savings account is designed to give kids age 17 and under an introduction to banking.

    Service charge: none

    Minimum to open: $1

    Withdrawals: 6 pre-authorized withdrawals per month at no charge; $2 each thereafter; unlimited withdrawals at teller window

    Interest: calculated on total daily balance and credited quarterly

  • Vacation Club

    To open, please visit a SouthEast Bank branch.

    Best Solution for

    paying for your family vacation is easy when you save ahead

    Description

    accepts direct deposit or auto transfers from another SouthEast Bank account; receive your savings plus interest in May

    Service Charge

    no service charge

    Minimum to Open

    $5

     

    Paying for family vacations is a breeze when you save ahead all year and earn interest.

    Service charge: none

    Minimum to open: $5

    Withdrawals: $5 fee for each early withdrawal; receive your savings plus interest in May

    Interest: simple interest calculation credited annually

  • Christmas Club e-Savings

    To open, please visit a SouthEast Bank branch. 

    Best Solution for

    saving for those holiday gifts throughout the year

    Description

    accepts direct deposit or auto transfers from another SouthEast Bank account; receive your savings plus interest in November

    Service Charge

    no service charge

    Minimum to Open

    $5

     

    Save throughout the year, earn interest, and enjoy stress-free holiday shopping!

    Details: The Christmas Club e-Savings Account requires holder to have an SouthEast Bank checking account, which will be credited the Christmas Club e-Savings Account balance at maturity.  To be eligible for the e-account rate, only electronic deposits (account transfer, direct deposit, or mobile deposit) will be accepted and requires at least one monthly electronic deposit transaction from date of opening until the account is closed on October 31, 2019.  Eligible account holders will receive savings plus interest in November 2019. APY decreases to 0.25% if required monthly electronic transfer does not occur.  Balances over $5,000 will earn 0.25% APY.  Fees may reduce earnings. 

    Minimum opening balance:  $5

  • Health Savings Account (HSA)

    To open, please visit a SouthEast Bank branch.

    Best Solution for

    earning tax-free interest while saving ahead for qualified medical expenses

    Description

    requires participation in high-deductible insurance plan; annual limits apply

    Service Charge

    $2.50 per quarter

    Minimum to Open

    $100

     

    Please consult your tax professional for eligibility requirements.

     

    Take the pain out of high deductibles by planning ahead for your family's eligible medical expenses with a pre-tax interest-bearing health savings account.

    Requirements: participation in high-deductible insurance plan; annual limits apply

    Service charge: $2.50 per quarter

    Minimum to open: $100

    Withdrawals: funds accessible by debit card only; unlimited for qualified health expenses

    Interest: calculated on total daily balance and credited quarterly

Ask about our buy-back program! SouthEast Bank will pay you up to $10 cash for your unused checks and debit cards from another financial institution when you open a new SouthEast Bank checking account. We will even take care of shredding them using our secure document shredding services!

If you only conduct a few transactions per month, a money market account earns higher interest rates than a savings account while allowing easier access to funds than a CD. 

If you want to earn a higher rate of return, yet have easy access to your money, take advantage of this interest-bearing account with near-CD rates.

Opening Deposit – $2,500

Interest Earnings – Interest is earned on the entire collected balance in your account and is credited monthly. This is a tiered rate account that earns higher interest based on higher balances. Interest rates may reprice with the market.

  • $0 - $2,499  
  • $2,500 - $9,999
  • $10,000 - $49,999
  • $50,000 - $99,999
  • $100,000 - $249,999
  • $250,000 +

Anytime Access – You can withdraw your money any time at any SouthEast Bank branch or ATM, or at any Pulse or Plus machine. You can even write a check! (There may be a fee for using non-SouthEast Bank ATMs.)

Withdrawals – Up to six free pre-authorized transactions or checks are allowed per month. $10 for each withdrawal over the six pre-authorized withdrawals allowed.

Fees – No fees when maintaining a minimum daily balance of $2,500.

Monthly Statements

To open, please visit a SouthEast Bank branch.  

Visit your local SouthEast Bank Branch to learn about special in-branch promotions.

When you work hard for your money, there's nothing more rewarding than making your money work hard for you. SouthEast Bank CDs earn very competitive rates of return. If you want a guaranteed, higher-than-average interest rate, check into a SouthEast Bank CD.

  • Minimum Investment – $1,000
  • CDs - from 30 days to 60 months
  • Rates – Interest rates vary according to investment amount and term; rates subject to change
  • Access to Interest Earnings – Receive your interest by ACH - monthly, quarterly, semi-annually or annually — as well as by direct deposit into any SouthEast Bank account
  • Automatic Renewal – Available on select CDs; renewal options sent by mail allow you to renew your CD at the new rate without a trip to the bank
  • Fees – A penalty will be imposed for early withdrawals
  • Minimum balance to obtain advertised annual percentage yield - $1,000

    To open, please visit a SouthEast Bank branch.

 

Save for your future with this tax-deferred retirement account ... and take advantage of new higher contribution limits.

  • Minimum Investment – $500
  • Rates – Interest rates vary according to investment amount and term; rates change weekly
  • Access to Account – Deposits can be added at any time
  • Fees – Early withdrawals subject to interest and tax penalties