Your savings is in safe hands
Whether you're building an emergency fund or saving for something big, our savings account helps you plan ahead with clarity and control. For a limited time, earn a guaranteed rate for 3 months with a new Online Savings Account.
Save on your terms
Apply for your account online in minutes
Start saving with as little as $100
Access your money when you need it
Save with confidence
Your deposits are FDIC-insured up to $250,000*
No monthly fees*
Manage your account through secure online banking
Save fast
Earn 4.25% APY with an Online Savings Account that offers daily compounding interest
Guaranteed rate for 3 months on new accounts*
We regularly review rates to stay competitive
“I have been with VIO for several years, the high interest rate makes it easy to save money without a lot of risk.”
“I highly recommend VIO as a great trusted bank.”
“Thank you for making saving easy and profitable!”
Need to Talk?
We're here for you.
Our team is here to make every step easy and stress-free, with real people ready to help whenever you need it.
Speak with a friendly customer service representative at 888.999.9170
Monday - Friday, 7 a.m. - 9 p.m. (CT)
Saturday, 8 a.m. - 6 p.m. (CT)
Sunday, 12 p.m. - 4 p.m. (CT)
*Rates and Annual Percentage Yields (APY) are subject to change without notice and are effective as of 11/09/2026. No brokered or institutional deposits. Fees may reduce earnings on the account. See your account agreement and fee schedule for more details.
Online Savings Promotional Rate Offer: APY = Annual Percentage Yield. The promotional rate offer is valid for new Online Savings accounts opened from 10/27/2026 through 1/31/2027. Promotional APY of 4.25% is guaranteed for 3 months from date of account opening on all balances in the new account. Promotional APY will be applied to new Online Savings accounts within 10 days of account opening and is effective as of the date of account opening. All balances will earn the standard rate until the promotional rate is applied. After the 3-month promotional rate period, all accounts opened during the promotional period will earn the standard rate in effect at that time. Accounts that do not meet the promotion requirements will earn the standard rate. As of 11/09/2026, the APY for the standard rate is 4.06%. Promotional rate offer is subject to change without notice and is not valid with other promotional offers. Offer valid for new Online Savings accounts only. Existing Online Savings accounts do not qualify for the promotional rate offer. Accounts require $100 minimum deposit to open. Interest rates are variable and subject to change after promotional period. Fees may reduce earnings.
Savings and Money Market Savings Accounts: Minimum $100 deposit to open. There is a $5 monthly fee if you receive paper statements.
CD Accounts: Minimum $500 deposit to open. Penalty may be imposed for early CD withdrawal. See the CD Terms and Conditions for more details.
The national average APY is based on the FDIC's published National Rates and Rate Caps for Savings deposit products, accurate as of 10/09/2026.
Vio Bank is a division of MidFirst Bank, and Vio Bank deposits are considered MidFirst Bank deposits for purposes of FDIC coverage.