Personal Savings and Money Market Accounts

Saving regularly is the most reliable path to financial security. Solera National Bank offers several interest-bearing savings accounts to help you achieve your financial goals.

Traditional Savings

If setting aside money for the future is important to you, a Traditional Savings account could be the answer. With this account, you'll earn interest while keeping your funds both safe and accessible.

more info...

Product Traditional Savings Account
Description Keeps your excess funds safe and pays interest on those funds.
Features The higher your account balance, the higher your interest rate.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Service Charge $100.00
Quarterly Service Charge $5.00
Other Account Provisions Deposit up to 20 items per month at no charge. A $0.15 charge is assessed for each deposited item in excess of 20.  
When is Interest Paid Quarterly*
ATM Card ATM or Visa® Scorecard Rewards Debit Card free of charge
Overdraft Protection Line of Credit Not Applicable
Additional Features
  • Withdrawals and transfers to another account you own at our bank or to third parties by preauthorized, automatic, or telephone transfer, check, draft, debit card, or similar order to third parties, are limited to six per month. You may make unlimited withdrawals in person, by mail, by messenger, or by ATM.
  • Free online banking with electronic statements.
  • Dormant/inactive service charge of $15.00 per quarter is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

*Interest, which accrues on the daily balance, is paid as a credit to your account balance on the quarterly statement cycle date. The quarterly statement cycle dates are the last business days of March, June, September, and December. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins accruing on the business day you deposit non-cash items (for example, checks). If you close your account before interest is credited you will not receive the accrued interest.

Mi Patria Savings

The secure Mi Patria Savings account is a smart choice for customers using a Matricula Consular card as the primary form of identification.

more info...

Product Mi Patria Savings Account
Description A safe, interest-bearing account for customers who use a Matricula Consular card as their primary form of identification.
Features Customers wishing to open a savings account using a Matricula Consular card as the primary form of identification will be opened in a Mi Patria Savings Account.
Minimum Deposit to Open Account $100.00
Minimum Balance to Avoid Service Charge $100.00
Quarterly Service Charge $5.00
Other Account Provisions Deposit up to 20 items per month at no charge. A $0.15 charge is assessed for each deposited item in excess of 20.
When is Interest Paid Quarterly*
ATM Card ATM or Visa® Scorecard Rewards Debit Card free of charge
Overdraft Protection Line of Credit Not Applicable
Additional Features
  • Withdrawals and transfers to another account you own at our bank or to third parties by preauthorized, automatic, or telephone transfer, draft, check, debit card, or similar order to third parties, are limited to six per month. You may make unlimited withdrawals in person, by mail, by messenger, or by ATM.
  • Free online banking with electronic statements.
  • Dormant/inactive service charge of $15.00 per quarter is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

*Interest, which accrues on the daily balance, is paid as a credit to your account balance on the quarterly statement cycle date. The quarterly statement cycle dates are the last business days of March, June, September, and December. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins accruing on the business day you deposit non-cash items (for example, checks). If you close your account before interest is credited you will not receive the accrued interest.

Discovery Savings

A smart way for customers age 18 and younger to earn interest and begin a lifetime savings habit. Both the minor and a parent or guardian must sign to open the Discovery Savings Account.

more info...

Product Discovery Savings Account
Description A smart way for customers age 18 and younger to earn interest on funds.
Features Both the account holder and a parent or guardian must sign to open this account.
Minimum Deposit to Open Account $25.00
Minimum Balance to Avoid Service Charge None
Quarterly Service Charge None
Other Account Provisions Deposit up to 20 items per month at no charge. A $0.15 charge is assessed for each deposited item in excess of 20.  
When is Interest Paid Quarterly*
ATM Card ATM Card free of charge
Overdraft Protection Line of Credit Not Applicable
Additional Features
  • Withdrawals and transfers to another account you own at our bank or to third parties by preauthorized, automatic, or telephone transfer, check, draft, debit card, or similar order to third parties, are limited to six per month. You may make unlimited withdrawals in person, by mail, by messenger, or by ATM.
  • Free online banking with electronic statements.
  • Dormant/inactive service charge of $15.00 per quarter is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

*Interest, which accrues on the daily balance, is paid as a credit to your account balance on the quarterly statement cycle date. The quarterly statement cycle dates are the last business days of March, June, September, and December. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins accruing on the business day you deposit non-cash items (for example, checks). If you close your account before interest is credited you will not receive the accrued interest.

Money Market Account

A smart option for customers maintaining a higher balance, the Money Market account keeps your funds secure and within easy reach in case you need them. And the higher your account balance, the higher your interest rate.

more info...

Product Money Market Account
Description A secure account that gives you easy access to your funds-and the higher your balance, the higher your interest rate.
Features Allows you to build wealth without tying up your funds for long periods of time.
Minimum Deposit to Open Account $1,000.00
Minimum Balance to Avoid Service Charge $1,000.00
Monthly Service Charge $10.00
Other Account Provisions
  • Deposit up to 20 items per month at no charge. A $0.15 charge is assessed for each deposited item in excess of 20.
  • Each withdrawal/transfer in excess of six per calendar month will be assessed a $10.00 fee.
When is Interest Paid Monthly**
ATM Card ATM Card free of charge
Overdraft Protection Line of Credit No
Additional Features
  • Free bank stock checks provided.
  • Withdrawals and transfers to another account you own at our bank or to third parties by preauthorized, automatic, or telephone transfer, check, draft, debit card, or similar order to third parties, are limited to six per statement cycle. You may make unlimited withdrawals in person, by mail, by messenger, or by ATM.
  • Free online banking with electronic statements.
  • Dormant/inactive service charge of $15.00 per month is applied to accounts with a balance of $100.00 or less and no activity for 6 consecutive months.

**The daily balance method is used to calculate the interest on your account: Interest begins to accrue on the business day you deposit non-cash items (for example, checks). If you close your account before interest is credited, you will not receive the accrued interest. Ask your service representative about current interest rates and tiers.

^back to the top