Personal Savings
























Take root, grow strong.  Start saving today, for tomorrow.

Whether you are saving for a special purpose or life’s unpredictable necessities, we offer a variety of savings programs to meet your individual needs.  

Use our convenient calculators to plan for your financial future

Calculate my savings - Financial calculators >> 









Integrity Savings 

Start saving for the future

Integrity Savings is a great way to start you on your way to bigger investments while providing easy, convenient access to your funds.  

Benefits:

  • $25.00 minimum to open
  • No service charge for customers who maintain a minimum balance of $25.00. Otherwise, pay a low monthly service charge of $1.00
  • Free ATM transactions at all Skowhegan Savings locations
  • Quarterly statements

Open your Integrity Savings account online >>

See full account details >>

Integrity Savings Account tailored to youth >>

Integrity Money Market

Access your funds when you need them

The Integrity Money Market Account is a tiered-rate account that provides the benefits of a competitive interest rate along with immediate access to your funds when you need them.

View full benefits of this account >>

Integrity Plus Money Market

Relationship Banking

The Integrity Plus Money Market Account is a high yield split-rate account for the individual or business who anticipates keeping a higher balance in the account but desires liquidity.

View full benefits of this account >>

Health Savings Account (HSA)

Plan for unexpected medical expenses

A Health Savings Account is like a personal savings account, but the money in it is used to pay for your health care expenses. As a benefit, the money you deposit into your account isn't taxed.

 

Explore our health savings option >>

Family getting into their car with their dog

Club Account

Save for a special occasion 
Pay into your Club Account regularly and collect interest over the period of one year to use for a planned trip or holiday spending.
  • $1.00 minimum to open
  • Free online, mobile and telephone banking
  • Free Debit Mastercard®

View full account benefits >>


"Skowhegan Savings is always so kind, thoughtful and listens to what I need done. Thank you for great service!"

– Skowhegan Savings Customer



"Many years of satisfaction with the service we receive. Thank you!"

– Skowhegan Savings Customer

"Rangeley branch, thank you for your due diligence in protecting our account.  A bigger bank, that didn't care so much, may have let that slip.  This is why we bank with you, you are the best!"

– Skowhegan Savings Customer





View and compare the benefits of our savings accounts



Integrity Savings

Integrity Money Market

Integrity Plus Money Market

Health Savings Account (HSA)

Club Account

Earns Interest
Yes
Yes Yes Yes Yes
Minimum Balance to Open $25
$2,500
$2,500
$50 $1
Minimum Monthly Average Daily Balance
to Waive Service Charge
$25
$2,500
$2,500
$500 N/A
Monthly Service Charge if Balance
is Below Minimum Average
$1*
$10
$10
$2.95 N/A

ATM Transactions
Free at all
Skowhegan Savings
locations
Free at all
Skowhegan Savings
locations
Free at all
Skowhegan Savings
locations
Free at all 
Skowhegan Savings
locations
No
Free Online, Mobile & Telephone Banking
Yes
Yes Yes Yes Yes
Check Writing
No
Limited each
Statement Cycle
Limited each
Statement Cycle
Yes
No
Free Debit Mastercard®
Yes
Yes
Yes
Yes
Yes

For all terms and conditions, see full disclosure provided at account opening.
*Free for those 18 years of age or under.



For the needs of today and dreams of tomorrow

Checking Account
Our checking accounts are designed to make it easy to manage your finances - wherever you’re at in life.
 

Digital Banking
Our online and mobile banking make managing your finances easy, intuitive and simple.
 
 
Home Loan
Whether you are a first-time home buyer or an experienced homeowner, we are here to help you achieve your dreams. 
 
Personal Loan
Get the money you need for whatever is next in your life with help from Maine lenders.
 
 
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Skowhegan Savings – Personal Savings Account FAQs

What is a Skowhegan Savings personal savings account?
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A Skowhegan Savings personal savings account helps you safely grow your money while keeping it easily accessible. You’ll earn interest, enjoy secure online and mobile banking, and benefit from a local team ready to support your financial goals.

What do I need to open a savings account at Skowhegan Savings Bank?
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You’ll need a valid photo ID, your Social Security Number, proof of address, and an opening deposit (varies by account). You can open an account online or visit any of our Maine branches.

How much interest can I earn on a Skowhegan Savings account?
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Interest rates vary by account type and current market conditions. Whether you choose an Integrity Savings, or Money Market account, you’ll earn competitive rates designed to help your balance grow.

Is there a minimum balance requirement?
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Skowhegan Savings accounts have low or no minimum balance requirements. Some accounts may require a specific balance to avoid a monthly service charge or to earn higher interest.

How do I make deposits into my savings account?
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You can deposit funds through mobile check deposit, direct deposit, transfers from another Skowhegan Savings account, in-branch deposits, or at select ATMs.

Can I transfer money between my checking and savings accounts?
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Yes. You can transfer funds instantly using online banking, mobile banking, or by visiting a branch. You can also set up automatic transfers to help build your savings consistently.

Is my money safe with Skowhegan Savings?
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Absolutely. Deposits are FDIC insured up to $250,000 per depositor, and we use advanced security measures — including encryption, secure logins, and fraud monitoring — to protect your accounts.

How do I access my Skowhegan Savings account online?
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You can access your savings account anytime through our secure online banking platform or mobile app. View balances, transfer funds, set alerts, and manage your account from anywhere.

Can I use my savings account for overdraft protection?
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Yes. You can link your Skowhegan Savings savings account to your checking account to automatically cover overdrafts and help avoid unnecessary fees.


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See a Personal Banker for full product disclosure.


*Third party fees may apply.