Personal Accounts

Salem Five’s personal banking experts are here to work with you and work for you at every Salem Five location. We start by understanding your needs, then set you up with the combination of accounts that's right for you, as well as providing digital banking tools to help you manage your money and goals. We have checking, savings, special and regular CDs and retirement accounts to help you achieve all your financial goals.

Choose an account below to learn more and get ready to save.


The Open Account is the only checking account we offer. It is an all-in-one offering that benefits everyone.

No Monthly Fee

The checking account includes everything you want and eliminates what you don’t.

  • No Monthly maintenance fee
  • No Minimum balance requirement

55,000+ fee-free Allpoint ATMs

We've made it easier than ever to access your money with 55,000+ fee-free Allpoint ATMs

Rewards and More

Open Rewards come with each account – which means you get 5 cents cash back with every purchase and ATM fee reimbursements depending on your average monthly balance.


Select a savings account below to learn more or view Savings rates.

Open Savings

Open Savings is the place to set aside hard earned cash. And, to help you save, when paired with The Open Account. All of your cash back debit rewards and ATM reimbursements sweep directly to Open Savings.

Gold Star Saver

Get kids started saving early with a Gold Star Saver account. Kids under 18 can open an interest-bearing, no monthly fee Gold Star Saver account for as little as $10.

Statement Savings

A Statement Savings account is a convenient way to save and build security. With instant liquidity, so you can access your money whenever you need it.

Money Market

Select a money market account below to learn more or view Money Market rates.

Gold Star Money Market

A Gold Star Money Market is the simple way to save smart. With a higher interest rate, your balance is FDIC-insured.

Advantage Money Market

Earn preferred rates with the Advantage Money Market account, our most flexible money market option. Enjoy variable tiered rates based on deposit amounts

Certificate of Deposit

Select a CD account below to learn more or view all rates. Balance is FDIC-insured up to allowable limits.

Special CDs

Lock in to our special CD rate for the guaranteed term that works best for you. There is a $10,000 minimum balance to obtain annual percentage yield. As with our regular CDs, your balance is FDIC-insured.

Regular CDs

Enjoy higher yields and lower minimum balance requirements on a variety of terms, and guaranteed return for all your CD savings needs.  Earn preferred regular CD rates on your hard-earned savings. As with our Special CDs, your balance is FDIC-insured.

Retirement Savings

Planning for retirement doesn’t have to be a chore. Our Retirement Specialists will work with you to understand your goals. View all rates.

Retirement CDs

Planning for retirement doesn’t have to be a chore. Our Retirement Specialists will work with you to understand your circumstances and your goals. We’ll help you create a solid plan—and we’ll be here with you to see it through.

Retirement Money Market

Learn more about a Salem Five Retirement Money Market account.  Earn preferred rates on your hard-earned savings.