Available only to residents of the NY Metro area (New York, New Jersey, Connecticut, and Pennsylvania)
Safe Haven Relationship Savings
- Minimum opening deposit of $1,000 (new money only)
- Interest is compounded and credited monthly based on the daily balance
- Maintain a Savings Relationship Account – must be linked to a Beacon Checking or Lighthouse 360 Checking
- Maintain a daily balance of $1,000 or higher in your account or relationship account to avoid a $15 maintenance fee
| Balance Tier | APY* |
|---|---|
| $0 – $9,999 | 0.50% |
| $10,000 – $49,999 | 1.50% |
| $50,000 and up | 3.00% |
*Annual Percentage Yield
Fees may reduce earnings on the account.
Rates are effective as of October 1, 2025, and are subject to change without notice.
OPEN ACCOUNT
Statement Savings Account
- Minimum opening deposit of $50
- Interest is compounded continuously and credited quarterly
- Monthly minimum balance fee if the daily balance drops below $50 any day of the month: $2
- A $15 fee will be charged for any account that is closed within six months of opening
OPEN ACCOUNT
Step-Up Money Market Account
- Minimum opening deposit of $5,000
- Interest is compounded daily and credited monthly
- Monthly minimum balance fee if the daily balance drops below $5,000 any day of the month: $15
- Overdraft Privilege limit of $500*
Interest is paid on the full balance in the account at the rate that corresponds to that deposit tier.
OPEN ACCOUNT
*An overdraft fee of $30 will be assessed for each item paid against the Overdraft Privilege limit. Overdrawn balances must be repaid within 30 days. Overdrafts will not be paid if the Overdraft Privilege limit is exceeded, or if the account balance remains negative for more than 30 days. An overdraft may be created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.
