Personal Savings
Save for what matters, earn while you wait
Pecan Savings pays a competitive rate with no monthly fee when you keep $300 in the account or set up an automatic transfer of $25 a month.
3.75% APY
A strong rate on every dollar, compounded daily and credited monthly.
Savings goals
Name a goal, set a target, and watch the progress bar fill up.
Automatic transfers
Schedule transfers from checking so saving happens on its own.
Overdraft backup
Link savings to checking to cover a short-term shortfall.
Goals
Put a name on every dollar
Saving for a truck, a new roof, or a trip to Big Bend? Create as many goals as you like inside online banking and track each one separately.
- Set targets and see percent complete
- Rename or delete goals anytime
- Link any savings or money market account
Rates as of September 28, 2026
Savings rates
| Product | Term | Minimum | Interest rate | APY |
|---|---|---|---|---|
| Pecan Savings | — | $25 | 3.68% | 3.75% |
| San Saba Money Market | — | $2,500 | 4.02% | 4.10% |
Rates shown are illustrative figures for a fictional bank and are not offers of credit or deposit products.
How it works
Three simple steps
- 01
Open savings
Every new customer gets Pecan Savings alongside checking.
- 02
Set a goal
Pick an amount and give it a name from your dashboard.
- 03
Automate it
Transfer from checking whenever you like and watch it grow.
Questions
Frequently asked
Can't find your answer? Our Menard team is happy to help.
How often is interest paid?+
Interest compounds daily and is credited monthly. In this demo, interest figures are illustrative.
Is there a withdrawal limit?+
We do not limit transfers between your own accounts.
Ready to bank with neighbors?
Open demo checking and savings in about five minutes. No real money required.