Port City Savings

Free account that builds your savings effortlessly

  • Free account that builds your savings effortlessly
  • 1.00% APY1 on daily account balances
  • No monthly maintenance fees
  • No minimum balance to earn rewards
  • Free digital banking
  • $100 minimum deposit to open

It’s so easy to earn your rewards.

Statement Savings Account

Earn competitive interest as you save for the future.

  • Avoid the $6 quarterly service charge by maintaining a $100 minimum daily balance
  • Service charges waived for minors 0-17 years of age
  • $1 fee for withdrawals in excess of 6 per calendar quarter (if $100 minimum daily balance is not maintained)
  • $100 minimum deposit to open
Christmas Club Account

Save up for holiday expenses year-round, while earning competitive interest.

  • No monthly service charge
  • No minimum balance requirements
  • Make deposits at any time, in any amount you feel comfortable with
  • Funds automatically released via cashier's check or transfer to another account on November 5th
  • Interest will be paid at maturity
  • $10 per withdrawal from account prior to maturity
  • $20 minimum deposit to open
Money Market Account

Competitive, tiered interest rates paid on balances of $2,500 or more.

  • Higher balances earn higher rates
  • Enjoy flexibility with enhanced access to funds, including direct check writing:
  • Unlimited in-person withdrawals or by mail
  • 6 free transactions per month by pre-authorized automatic debit, telephone, checks, drafts, debit cards or other similar order
  • Avoid the $8 monthly service charge by maintaining a $2,500 minimum daily balance
  • $2,500 minimum deposit to open
Certificates of Deposit (CDs)

Earn a guaranteed, fixed interest rate for the length of your term.

  • Wide range of terms available (from 7 days to 5 years)
  • Provides more guaranty than other investments
  • No setup or maintenance fees
  • Early withdrawals subject to penalty
  • Minimum deposit to open varies based on term
Individual Retirement Accounts (IRAs)

Competitive interest above standard savings rates.

  • Traditional and Roth IRA options
  • No setup fees
  • No monthly or annual maintenance fees
  • Annual contribution limits apply (see current contribution limits; $7,000 as of 2024)
  • Additional "catch-up" contribution allowed for ages 50+
  • Funds can be used to purchase CDs within IRA (terms from 1 to 5 years available)
  • $250 minimum deposit to open
Health Savings Account

Greater personal control over healthcare management and expenses.

  • Prepare for qualified medical expenses
  • Earn interest above standard savings on entire balance
  • An HSA provides triple tax savings:
  • Tax deductions when you contribute to your account
  • Tax-free earnings through investment
  • Tax-free withdrawals for qualified medical, dental, vision expenses, and more*
  • Contributions are tax-free and can be made by you, your employer, or a third party
  • Funds can be withdrawn at any time
  • Low $2.50 monthly service charge
  • Unused funds remain in account year after year; no "use it or lose it" policy
  • Keep your HSA in your name, regardless of career or life changes
  • Federally insured by FDIC
  • $50 minimum deposit to open

Still Need Help Deciding?

Our personal, local bankers are here to help guide you in choosing the best products to fit your goals and plans.

FDIC Insurance

Have peace of mind knowing your money is federally insured with FDIC.

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Treasury & Cash Management

Turn to First Port City Bank’s cash management for efficient account control.

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Digital Banking

Stay on top of your money with our online and mobile service available 24 hours a day.

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Debit Card Fraud

Every day we hear of new security breaches and debit card fraud threats which only seem to grow.

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Financial Calculators

Simplify your finances and plan for your future – one of the our handy calculators below can assist you.

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Personal Checking Accounts.

A checking account should make your life easier. We believe in giving you the options to bank the way you want, when you want.

Port City Savings - Account Information

This disclosure contains the rules that govern your deposit account as of March 25, 2024.

Port City Qualifications:

1. Maintain a Port City Rewards Interest Checking or Port City Rewards Checking Account
2. Enrolled in and Agree to Receive E-Statements

Rewards When Monthly Qualifications Are Met:

Daily Balances in your Port City Savings earn an interest rate of 1.00% resulting in an APY1 of 1.00%.

When Monthly Qualifications Are NOT Met:

Interest Rate earned on the Account’s entire Daily Balance will be 1.00% resulting in an Annual Percentage Yield of 1.00%

*We Reserve The Right To Convert The Account To A Different Savings Account If The Account Holder Does Not Maintain An Active Port City Rewards Interest Checking or Port City Rewards Checking Account or Does Not Agree To Receive E-Statements. Rates may change at any time, at our discretion.

1APY means Annual Percentage Yield