Savings Account Comparison

Take a step toward saving for your future and get closer to your goals with a KeyBank savings account. Whether you’ve been saving for a few days or much longer, we’ve got an account to meet your needs.

Compare Savings Accounts

Select Up To 3 Savings Accounts 0 3 Selected

Key Active Saver^® Account
Key Active Saver accounts are designed to help you save, earn interest and avoid fees, all while enjoying overdraft protection. Earn a higher interest rate by enrolling in HelloWallet and increasing your Financial Wellness Score.¹
Key Silver Money Market Savings^® Account
We're here to take your savings to the next level with Key Silver Money Market Savings^®. The greater your balance, the higher your interest rate. Enjoy the benefits of overdraft protection and waivable maintenance fees.
Key Gold Money Market Savings^® Account
You've worked hard to build your savings, and we’re here to help you grow your savings even more. A Key Gold Money Market Savings account builds on your solid foundation with competitive interest rates, to put all your goals within reach.
Health Savings Account (HSA)
A KeyBank HSA helps you save and pay for medical costs. Your contributions are pre-tax and your withdrawals are tax-free, giving you the full benefit of your savings.
Key4Kids Savings Account
It's never too early to start saving. That's why the Key4Kids Savings Accounts gives kids under 18 the opportunity to save and manage their money, with adult supervision.


Key Active Saver^® Account Build your savings, while avoiding fees Open Now	Key Silver Money Market Savings^® Account Save more, earn more Open Now	Key Gold Money Market Savings^® Account Higher balances earn higher interest Open Now	Health Savings Account (HSA) Tax-free savings for qualifying medical expenses Open Now	Key4Kids Savings Account Perfect account for beginners Visit a Branch
Key Active Saver^® Account Overview: Keep making financial progress, with an interest rate that can increase as your Financial Wellness Score improves³ Easy online management	Key Silver Money Market Savings^® Account Overview: Earn higher interest rates as your balance grows Can be used for checking overdraft protection	Key Gold Money Market Savings^® Account Overview: Higher interest rates on balances $25,000 and above to help grow your savings even faster Easy access to your money at your local branch or ATM	Health Savings Account (HSA) Overview: Contributions can be made by you or your employer Withdraw funds tax-free to pay for qualified healthcare costs	Key4Kids Savings Account Overview: For children under age 18, without maintenance fees Interest compounded daily for the highest possible yields
Monthly Maintenance Service Charge $4²	Monthly Maintenance Service Charge $12²	Monthly Maintenance Service Charge $18²	Monthly Maintenance Service Charge $2.50 with direct deposit, or $5 without direct deposit²	Monthly Maintenance Service Charge $0²
Avoid Maintenance Fees With $300 daily balance, or $5 monthly minimum direct deposit or recurring transfer from another Key account, or A HelloWallet Financial Wellness Score of at least 1	Avoid Maintenance Fees With $5,000 daily balance, or $25 monthly deposit, or A qualifying Key Advantage Checking^®, Key Privilege Checking^®, or Key Privilege Select Checking^® account	Avoid Maintenance Fees With $25,000 daily balance	Avoid Maintenance Fees With $500 daily balance	Avoid Maintenance Fees With $0
Minimum Opening Deposit $10⁴	Minimum Opening Deposit $50 or $5,000 to be eligible for promotional rates⁴	Minimum Opening Deposit $25,000⁴	Minimum Opening Deposit $0	Minimum Opening Deposit $10
Qualifies for Relationship Balances is available with Key Active Saver^® Account	Qualifies for Relationship Balances is available with Key Silver Money Market Savings^® Account	Qualifies for Relationship Balances is available with Key Gold Money Market Savings^® Account	Qualifies for Relationship Balances is not available with Health Savings Account (HSA)	Qualifies for Relationship Balances is not available with Key4Kids Savings Account
Use Account for Overdraft Protection is available with Key Active Saver^® Account	Use Account for Overdraft Protection is available with Key Silver Money Market Savings^® Account	Use Account for Overdraft Protection is available with Key Gold Money Market Savings^® Account ¹	Use Account for Overdraft Protection is not available with Health Savings Account (HSA) ¹	Use Account for Overdraft Protection is not available with Key4Kids Savings Account ¹
Open Now Learn More Rates & Fees	Open Now Learn More Rates & Fees	Open Now Learn More Rates & Fees	Open Now Learn More Rates & Fees	Visit a Branch Learn More

Please read our Agreements and Disclosures. If you opened your deposit account online within the last 90 days, you may also review the original agreements and disclosures provided to you.

Subject to the terms of the Savings Overdraft Protection Agreement.

The following requirements must be met in order to waive the monthly Maintenance Service Charge on each type of savings account listed in the chart above:

The $4.00 monthly Maintenance Service Charge for Key Active Saver Account will be waived if one of the following requirements is met:

Keep a Daily Balance of $300.00 or more during the month
Make a monthly direct deposit of at least $5.00 in your Key Active Saver Account
Set up a recurring monthly online banking transfer of $5.00 or more from another KeyBank deposit account to your Key Active Saver Account
Full enrollment in KeyBank's HelloWallet program with a Financial Wellness Score greater than zero (0)

The $18.00 monthly Maintenance Service Charge for Key Gold Money Market Savings Account will be waived if both of the following requirements are met:

The Daily Balance is $25,000.00 or more during the monthly statement period AND
Maintain a KeyBank consumer relationship package checking account

The $12.00 monthly Maintenance Service Charge for Key Silver Money Market Savings Account will be waived if one of the following requirements is met:

The Minimum Daily Balance is $5,000.00 or more during the monthly statement cycle
A monthly direct deposit of at least $25.00 is credited to your Key Silver Money Market Savings Account during the monthly statement cycle
A recurring monthly online banking transfer of $25.00 or more from another KeyBank deposit account is transferred to your Key Silver Money Market Savings Account during the monthly statement cycle
You must also either currently have or open a Key Advantage^®, Key Privilege^® Checking or Key Privilege Select^® Checking Account to be eligible.

The $2.50 or $5.00 monthly Maintenance Service Charge for Health Savings Account will be waived if both of the following requirements are met:

The Monthly Daily Balance is $5,00.00 or more during the monthly statement period AND
Direct deposit is established.

There is no monthly Maintenance Service Charge for KEY4KIDS^®.

This Account can earn interest based on two different interest rate structures. These variable interest rate structures are referred to as Standard Interest and Financial Wellness Interest. You are eligible for Financial Wellness Interest only if you are enrolled in HelloWallet through KeyBank’s Online Banking, have a Financial Wellness Score greater than zero (0) and the balance in the Account is $0.01-$24,999.99. Balances of $25,000 and above will earn Standard Interest on the entire balance. The accounts pay interest for all tiers at a variable rate that may change at any time after the account is opened. Fees may reduce earnings on the account.

This minimum opening deposit must come from funds not currently held in accounts at KeyBank or its affiliates.

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