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Savings Accounts

Account Overview Features

Basic and Special Savings

Basic Savings can be accessed from any of FORUM’s branch locations or ATMs, over 5,000 shared branch locations and more than 4,800 surcharge free ATMs nationwide. Have something special you’re saving for? The Special Savings Accounts can be utilized on top of your Basic Savings Account to keep your funds separate.

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Santa Savings

Santa Savings is the perfect place to save for the holidays.  For your convenience, deposits can be made using payroll deduction, automatic transfers from another FORUM account, online banking transfers, and branch deposits. Plus, you can determine the amount and frequency of deposits.

  • Funds are available mid-October of each year 
  • Earn dividends on deposits
  • Restrictions on withdrawals*
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*Penalty for early withdrawal and/or closure fee is $10.

Saving for a Reason

Saving for a Reason helps make saving for your goals easy. Maybe you’re saving for a new car, your first home, or a wedding. You tell us your savings goal, and we’ll help you get there with this unique savings product.

  • Earn a competitive dividend rate on as little as $5
  • Choose a savings term between 1 and 5 years 
  • Ability to set-up automatic transfers into the account
  • Funds are transferred to a savings or checking account at the end of the term
  • Must be 18 years or older to open
  • Certain penalties may apply for early withdrawals and/or early closure*
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*Penalty for early withdrawal and/or closure fee is $15.

Weekly 5 Club

Weekly 5 Club is like a regular savings account but with a twist. This account gives you the chance to win prizes for making regular deposits to your savings.  

  • $25 is required to open the account
  • Deposit $5 per prize period to play
  • Pick your play period: 3 to 12 months
  • Must be 18 years of age or older
  • Open up to 5 accounts*
  • Ability to set-up automatic transfers into the account
  • Learn More
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*Minimum of $250 is required in each Weekly 5 Club Account prior to opening a new Weekly 5 Club Account. Maximum of five Weekly 5 Club Accounts per account.


CommonCents is a savings account that helps you save your money in practical ways.  With this account, you can save your change with every signature based debit card transaction you make.  Plus, you can earn dividends, receive a bonus reward, and make an additional deposit each month.**

  • Designate a specific amount of change (choose from $.01 to $1) from your checking to go into your CommonCents account for every signature based debit card transaction you make 
  • Earn a competitive dividend rate
  • Receive a $2 cash bonus for having 30 or more signature based debit card transactions per month
  • Ability to make one automatic transfer each month from your checking  ($200 limit)
  • Withdraw money at any time
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It's important to save for your child's future, but what if you're not sure what that future holds?  You want your child to have opportunities beyond just education, and what if they get a scholarship, what if they don't plan on attending college, or what if they want to take a year off? Sprout is the perfect place to watch your child's savings grow for whatever the need.

  • Account can be opened at any time from birth to age 18; funds are available when the child turns 18 and will automatically transfer to the child's savings account
  • No minimum deposit required to open
  • Contributions can be made by anyone and at any time
  • FORUM match component
  • Earn a competitive dividend rate
  • Certain penalties may apply for early withdrawals and/or early closure***
  • Learn More
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Savings Calculators »   Savings Rates »  

**FORUM membership, checking account, and eStatements are requirements of the CommonCents savings account. A CommonCents account cannot be opened with an initial deposit amount. Automatic transfer and change transfer will not be completed if there are insufficient funds in checking account.

***Penalty for early withdrawal of 10% of the lifetime interest earned on the account and any matched funds. The following distributions are exceptions to the 10% penalty: the account owner has a disability; first-time auto purchase; tuition, fees, books, supplies, and equipment required for enrollment or attendance at an educational institution. Expenses and purchases must be incurred for the child named on the account.