Plan for the Expected; Prepare for the Unexpected

Whether you're building an emergency fund, saving for a future goal, or simply creating a stronger financial cushion, Somerset Trust offers savings options designed to help you move forward with confidence.

Find Your Way to Save

No two savings goals look exactly alike. Whether you're saving for everyday needs, added peace of mind, or a specific milestone, we offer options designed to fit your goals.

Statement Savings

A traditional savings account designed to help you set money aside while keeping it available when you need it.

Best for

Anyone looking for a simple, dependable place to save for short-term goals or unexpected expenses.

Overdraft Protection Savings

Sometimes overdrafts happen. Our Overdraft Protection Savings account can give you peace of mind!

Best for

Customers who want added peace of mind and protection against unexpected overdrafts.

Advantage Interest Savings

Earn interest based on your account balance while working toward longer-term savings goals.

Best for

Customers who maintain higher balances and want to earn more on their savings.

Christmas Club Savings

A special savings account for setting aside money throughout the year for holiday purchases or end-of-year expenses.

Best for

Anyone who wants an easy, disciplined way to save for Christmas and avoid last-minute financial stress.

Start Saving Today

Opening a savings account doesn't have to be complicated. Whether you apply online or visit a local branch, we're here to help you get started.

Pick Your Account

Choose the savings option that best fits your goals and how you plan to use the account.
Share Some Details

Complete an application online or visit a branch for in-person guidance.
Start Saving!

Fund your account and begin building toward your savings goals with support from a local banking team whenever you need it.

Compare Saving Accounts

Review account features, requirements, and benefits to find the savings option that best fits your goals.

	Statement Savings	Overdraft Protection Savings	Advantage Interest
Minimum Deposit to Open Account	$0 (in branch) / $25 (online)	$0 (in branch) / $25 (online)	$250
Balance to Avoid Monthly Minimum Balance Fee	No Minimum Balance requirement after account is opened	No Minimum Balance requirement after account is opened	No Minimum Balance requirement after account is opened
Monthly Minimum Balance Fee	$0	$0	$0
Minimum Balance Required to Obtain Disclosed APY*	$100	$100	$250
Somerset Trust Company Debit Card & ATM Access Surcharge-free use of Somerset Trust Company's extensive network of ATMs, including partner networks, with your STC debit card	Yes	Yes	Yes
eStatements	Yes	Yes	Yes

Minimum Deposit to Open Account

$0 (in branch) / $25 (online)
Overdraft Protection Savings: $0 (in branch) / $25 (online)
Advantage Interest: $250

Balance to Avoid Monthly Minimum Balance Fee

No Minimum Balance requirement after account is opened
Overdraft Protection Savings: No Minimum Balance requirement after account is opened
Advantage Interest: No Minimum Balance requirement after account is opened

Monthly Minimum Balance Fee

$0
Overdraft Protection Savings: $0
Advantage Interest: $0

Minimum Balance Required to Obtain Disclosed APY*

$100
Overdraft Protection Savings: $100
Advantage Interest: $250

Somerset Trust Company Debit Card & ATM Access

Surcharge-free use of Somerset Trust Company's extensive network of ATMs, including partner networks, with your STC debit card

Yes
Overdraft Protection Savings: Yes
Advantage Interest: Yes

eStatements

Yes
Overdraft Protection Savings: Yes
Advantage Interest: Yes

*Annual Percentage Yield Information

Applies to all STC Savings Accounts listed above:

Interest will be compounded monthly and credited to your account monthly on the statement date. If you close your account before interest is credited, you will receive the accrued interest up to the date you close the account.

For Statement Savings & Overdraft Protection Savings:

Interest begins to accrue on the business day you deposit no-cash items (for example, checks).
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the ledger principal balance in the account at the end of business each day.

For Advantage Interest Accounts:

Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected principal balance in the account at the end of business each day.

Trusted by Our Neighbors

Somerset Trust Co. has been the only bank I have ever worked with that is on top of their game. The staff and management is always there to answer any questions that I have.

Charles Kennedy, Tri State Electric Inc.

Working with this team has been an exceptional experience from start to finish. The combination of responsiveness, expertise, and true customer care made all the difference, and we couldn't be more grateful for the experience.

Dave Mohnkern, Dynamic Metal Processing Corporation

Somerset Trust continues to demonstrate its commitment to our community by covering the cost of one course per semester for early college students at Allegany College of Maryland. This generous investment opens doors to educational opportunity for countless Somerset County students.

David Jones, President, Allegany College of Maryland

The team at Somerset Trust is very responsive which made our banking transition seamless. There is always support staff available when a question or problem arises. We couldn't be happier with our working relationship with Somerset Trust.

LaVale Sanitary Commission

STC has assisted the VFD with several loans to renovate our building and purchase a new fire engine, each time they were more than willing to finance our projects. The process was fast and easy with very competitive rates on the deposit side.

Meyersdale Volunteer Fire Department