316 SAVINGS
EARN 4.05% APY WHILE YOU GIVE
Earn 4.05% annual percentage yield (APY*) while your account helps support causes that uplift. No monthly fees. 24/7 support.
Earn 4.05% APY
No account fees
No minimum balance
No overdraft fees
FDIC-insured
24/7 care from real people
Free credit monitoring tools
WHY 316 FINANCIAL?
We’re a bank with a greater purpose.
You choose your church, your charities, your friends—even your radio station—based on your beliefs and values. Why should your bank be any different? At 316 Financial, we tithe 10% of our profits to causes that uplift communities and create lasting impact, all while delivering the rewards and service you deserve. We’re not like other banks—and that’s on purpose.
FREE WIRE REFUNDS
We cover the cost—and then some.
We don’t charge you for incoming wires, and we’ll even refund fees your originating bank might charge. Plus, we’ll add an extra $10 for your effort. Simply submit a request with documentation to our team, and we’ll take care of the rest—because banking should be hassle-free.
THE PERFECT MATCH
Interest Checking + Savings
Pair your 316 Savings with 316 Interest Checking for a complete banking experience that grows your money and keeps it simple—no fees, no hassle, just seamless banking with purpose.
Info to Know
Deposit Accounts
Deposit accounts can be opened with as little as $1. These accounts are available online only and are not offered in Puerto Rico or other U.S. territories.
Fees
We don’t charge fees for account maintenance, overdrafts, or stop payments—no surprises, just honest banking. While we aim to be fee-free, some services, like remote online notary, may have a cost. See our Fee Guide for more information.
Interest and Rates
APY = Annual Percentage Yield. No minimum balance is required to earn interest. Rates are accurate as of March 6, 2025, and may change at any time. Fees, if applicable, may reduce earnings.