Get a Personal Savings Account that Grows with You
Whether you’re saving for something big or just want to build financial security, Points West Community Bank offers a variety of personal savings account options to fit your lifestyle. With competitive rates, community-focused service, and our accounts make it easy to start saving with confidence.
Open a Savings AccountWhy Choose PWCB for Your Personal Savings?
We offer a couple of personal saving account options that can help you meet your short and long-term goals. With a local bank savings account from Points West Community Bank, you can trust that we make all our decisions locally with friendly, knowledgeable support at every branch from people who are deeply involved in the community. We offer competitive savings account rates on all our savings account options. We also offer free tools to help you track your savings progress online.
Types of Personal Savings Accounts
We offer these types of personal savings accounts, so you’re bound to find one that fits your needs.
Savings Accounts
Our one-size-fits-all account is a great option for everyday customers who need a convenient and easy-to-use account without a high balance requirement. It’s great for emergency funds and everyday needs.
Individual Retirement Accounts (IRAs)
For your long-term savings and retirement planning, we offer competitive interest rates on traditional IRAs, Roth IRAs, and simplified employee pension (SEP) IRAs to help you save for retirement.
Health Savings Accounts (HSA)
If you have a high-deductible health insurance plan, you can save money in an HSA account before taxes to pay for eligible healthcare expenses. It’s like an IRA for your healthcare needs.
Certificates of Deposit (CDs)
Certificates of deposit (CDs) are like a high-yield savings account where you earn more interest by making a savings commitment with a CD from three months to five years with competitive interest rates.
How to Open a Personal Savings Account
To open a savings account, compare our personal savings account options and consider what your savings goals are to find the right fit. You can start an application online, or at your local branch, and make a deposit. You can then set up automatic transfers, if you like. You can also access your account with our free online and mobile banking platforms.
Start My ApplicationSavings Accounts
Individual Retirement Accounts
Health Savings Accounts
Certificates of Deposit
Offering Bank Savings Accounts in the Tri-State Area
We know you have banking choices in the tri-state area, and we believe our bank savings account options are a great way to help the communities we serve across Colorado, Nebraska, and Wyoming.
In Colorado, we serve communities throughout the Front Range, including Fort Collins, Loveland, Greeley, Wellington, and Windsor.
In Nebraska, we support families and businesses across the Panhandle and central counties, with locations in Sidney, Chappell, Fullerton, and beyond.
In Wyoming, our branches provide personalized service in Torrington, Lingle, Pine Bluffs, Douglas, and surrounding communities.
Wherever you bank with us, you’ll find local bankers who have a personal interest in seeing you succeed because we live here too.
Start Saving Smarter with Points West
Whichever savings option you choose, you’ll receive personalized support from one of our community bankers. Please contact a local banker or fill out the form online to get started. We also offer checking accounts, plus home loans, personal loans, and auto loans. Please check out our blog for information on a wide range of business and financial topics.
Open a Savings Account Contact UsPersonal Savings FAQs
Points West Community Bank offers a variety of personal savings accounts designed to help you build financial security at every stage of life. Depending on your goals, you may choose from:
Traditional savings accounts
Health Savings Accounts (HSAs)
Individual Retirement Accounts (IRAs)
CD Accounts
Whether you’re building an emergency fund, saving for a home, or teaching your child the value of a dollar, we have savings solutions to fit your needs.
Savings account interest rates can vary based on account type and market conditions. For the most up-to-date savings rates, we encourage you to visit your nearest branch or contact a local Points West banker.
Our team is happy to help you compare options and choose the account that makes the most sense for your goals.
Yes. The minimum requirement to open a traditional savings account at Points West is $100. We believe in straightforward banking and will clearly explain any requirements before you open your account.
Yes. Points West offers secure online and mobile banking so you can manage your savings account anytime, anywhere. Through digital banking, you can:
Check your balance
Transfer funds
Set up automatic transfers
View account activity
Access statements
Our mobile app makes it easy to stay connected to your savings while maintaining the security you expect from your community bank.
Yes. Deposits at Points West Community Bank are insured by the Federal Deposit Insurance Corporation (FDIC) up to applicable limits. This means your savings are protected, giving you added confidence as you plan for the future.
If you have questions about FDIC coverage limits, we’re glad to help.
You can set up automatic transfers in several ways:
Through online or mobile banking
By visiting a local branch
By speaking with a Points West banker
Automatic transfers allow you to move funds from your checking account to your savings on a schedule that works for you, weekly, biweekly, or monthly. It’s one of the simplest and most effective ways to build savings consistently.
Yes. Health Savings Accounts You can begin the savings account opening process online or by visiting one of our branches in Colorado, Nebraska, or Wyoming.
If you prefer in-person service, our local bankers are always ready to walk you through the process and answer your questions.
Our traditional savings account has a $3.00 monthly fee if the balance falls below $100.
We believe in transparency; any applicable fees or requirements will be clearly outlined before you open your account.