Personal Banking | Savings

Saving money is smart – and First Western makes it easy. You’ll get competitive interest rates, plus the peace of mind of being FDIC insured. For higher yields, choose a First Western CD. To save while maintaining easy access to your cash, select a Money Market Account. Or take advantage of our Christmas Club, Wish List or Kids Club Savings.

Money Market Gold – Tiered interest rates depending on your balances

  • Tiered interest compounded monthly 5
  • Avoid a monthly service charge by maintaining a $1,000 minimum balance 5
  • Six free debits per statement cycle 7

Easy Access Money Market -Designed for account balances of $10,000 and up

  • Competitive rate on balances of $10,000 plus 5
  • Six free withdrawals per statement cycle
  • View your balances online

Certificates of Deposit – Lock in a fixed interest rate over a fixed term

  • Easy to open and maintain
  • Get a guaranteed rate of interest for a fixed term
  • Variety of term lengths available

URFirst Savings – Start a simple savings plan

  • $100 minimum opening balance
  • Six free withdrawals per calendar month.  Additional withdrawals are $5 each 5
  • Limited transaction account
  • Quarterly statements
  • Interest paid on balances of $100+ 5
  • Low monthly fee of $3.00 which can easily be waived by maintaining a minimum balance of $100 OR a total customer relationship balance of $5,000 with FW  5

Christmas Club Savings – Save today for your gift list

  • Earns a competitive interest rate 5
  • Deposits limited to maximum monthly and annual amounts
  • Deposits limited to automatic transfers from other First Western Bank accounts on a weekly, bi-monthly or monthly basis
  • One withdrawal on the last business day of October in the form of a direct deposit
  • Account automatically renews the first business day of November, unless closed by account holder

Wish List Savings – Put cash aside for a specific goal

  • Save for big-ticket items, from a vacation to remodeling to a home theater system
  • Offers all the benefits of our Christmas Club Savings with the flexibility to choose any month as your cash-out date
  • On your cash-out date, we will automatically deposit the money into your checking account

Kids Club Savings – A fun way to teach your children about money

  • Designed for children up to age 18
  • No minimum opening balance
  • Interest paid on balances of $1 or more 5
  • Parent or guardian must sign on the account
  • 6 Free withdrawals per month, additional withdrawals $2 each
  • Quarterly Statements


Ready to get started?

Call your First Western representative today:

1-800-979-4577 toll-free in Western Arkansas and 1-877-631-0107 toll-free in Northwest Arkansas.

5 – Fees could reduce earnings on account.

7 – The product allows for unlimited deposits, but limited to 6 free withdrawals a month.