Compare Personal Savings Accounts

Choosing the right savings account is crucial for your financial journey. West Shore Bank, located along the beautiful lakeshore of Michigan, offers a variety of personal savings accounts tailored to meet diverse needs.  
 
Find your perfect fit and open your account in minutes online—or stop by any of our nine local branches.



Key Features

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Added Perks
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Save more and do more with your money.

Shoreline Companion Savings

Pair your Shoreline High Yield or Shoreline Cash Back with this savings account and enjoy great rates, no fees, and easy access to your money. 
 
OPEN TODAY
 

Statement Savings

Perfect if you’re looking for a simple savings account to stash your funds and earn interest on your balance.
 
  • Set aside money for a wide range of personal needs or simply for a rainy day
  • Competitive interest
  • $100 minimum opening deposit
  • Waive the $5 quarterly fee: under age 18, or maintain a minimum daily balance of $100

Money Market Savings

Stow away funds for tomorrow—keeping them close at hand for anything life might bring.
 
  • Enjoy flexibility with enhanced access to funds
  • Greater earnings than statement savings
  • $100 minimum opening deposit
  • Avoid the monthly maintenance fee by maintaining $1,000 balance
OPEN TODAY 

Certificates of Deposit (CDs)

Save more and do more with a CD!
 
  • Set aside for future savings goals
  • Competitive, fixed rate for length of term
  • Greater earnings than standard saving accounts
OPEN TODAY

Steady Saver

Reach your savings goal faster—and with less effort.

  • Save easily with automatic transfers from checking or savings (minimum $25)
  • Set the term needed to meet financial goals
  • Fixed rates, higher than regular savings

Christmas Club

Set money aside throughout the year for a more relaxed holiday.
 
  • Make deposits in any amount or set up automatic transfers 
  • Earn competitive interest
  • Funds available in November

Individual Retirement Accounts (IRAs)

Pay the future you for all your hard work.
 
  • Retirement savings with tax advantages2
  • Earn competitive interest higher than regular savings accounts
  • Available in traditional and Roth

Health Savings Account (HSA)

Be prepared with an innovative account that helps you save for qualified expenses.
 
  • Greater personal control over healthcare management and expenses
  • Save for qualified medical expenses
  • Earn tiered interest above standard savings on entire balance








1Standard text messaging and data plan rates may apply. Consult your mobile service provider for details on specific fees and charges that may apply.
2 Consult a tax advisor.

FAQs

At West Shore Bank, we offer a variety of savings accounts tailored to meet your financial needs. Options include the Shoreline Companion Savings, Statement Savings, Money Market Savings, and Certificates of Deposit (CDs), each designed to help you save effectively while earning competitive interest.

Opening a savings account with us is simple! You can open your account online in just a few minutes or visit any of our nine local branches in Ludington and surrounding areas for personalized assistance.

To open a savings account at West Shore Bank, a minimum deposit of $50 is required for the Shoreline Companion Savings account. Other accounts, like the Statement Savings and Money Market Savings, also have a $100 minimum deposit.

Our savings accounts offer competitive interest rates, with the Shoreline Companion Savings account featuring APYs ranging from 1.75% to 3.00% for balances up to $100,000. For other accounts, please check our website or visit a branch for the latest rates.

West Shore Bank strives to keep fees minimal. Most savings accounts, such as the Shoreline Companion Savings and Statement Savings, have no monthly maintenance fees if certain conditions are met, like maintaining a minimum balance.

Absolutely! West Shore Bank provides free digital banking services, allowing you to manage your savings account online easily. You can check balances, transfer funds, and more, all from the comfort of your home.

Our Money Market Savings account is designed for those who want to save while enjoying easier access to funds. It offers greater earnings than a standard savings account and requires a minimum balance of $1,000 to avoid monthly fees.

A Certificate of Deposit (CD) at West Shore Bank allows you to set aside money for a fixed term while earning a competitive, fixed interest rate. It's a great option for saving towards future goals with minimal risk.

At West Shore Bank, we prioritize your financial well-being. Our team is here to guide you through financial planning, whether you're saving for education, retirement, or any other goals. Feel free to reach out for personalized advice.

Yes! West Shore Bank offers the convenience of automatic transfers, allowing you to save effortlessly. You can set up transfers from your checking account to your savings, helping you reach your financial goals faster.


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With West Shore Bank you can easily save for your dreams and support causes you you care about with everyday purchases. Be a hero for your financial future and your community today!