Personal Savings

Håfa Adai, future.

Savings that grows with your dreams.

Personal Savings

Håfa Adai, future.

Savings that grows with your dreams.

Make the most of every penny.

We’ll help you choose the right savings account for you and your future. All of our accounts earn interest and are each tailored to different goals.

True Savings Plus

Get closer to your savings goal sooner.

*Available online only for Guam and the CNMI.

  • Online account opening required
  • Interest bearing account with a competitive rate of 3.04% APY1 with no minimum daily balance required to obtain APY.
  • Opening deposit not required
  • Maintenance fee of $5.00, waived if enrolled in e-Statements
  • Must be funded within 30 days of opening the account
  • $3.00 per in-branch deposit
  • $3.00 per in-branch withdrawal
  • $10.00 per paper statement request
Apply Now

1Annual Percentage Yield (APY) is accurate as of 8/11/2023. Interest will be compounded and credited monthly. Rate for this account is variable, determined by the Bank of Guam at its sole discretion and can change before or after account opening. Fees could reduce earnings.

True Savings

Giving you the flexibility to save how you want.

*Available online only for Guam and the CNMI.

  • Online account opening required
  • Interest bearing account with no minimum daily balance required to obtain APY
  • Opening deposit not required
  • Maintenance fee of $5.00, waived if enrolled in e-Statements
  • Must be funded within 30 days of opening the account
  • Customers 55 years and older have maintenance and paper statement fees waived
  • $10.00 per paper statement request
Apply Now

Kids Club Savings

Learn, save, and earn with this kid-friendly account.

*Available in all regions.

  • No minimum opening deposit required
  • Earn competitive interest
  • Earnings paid monthly
  • Set up direct deposit
  • Keep your balance growing with direct deposit
  • No minimum balance requirements
  • Teach children smart saving habits early on
Book an Appointment

A parent or legal guardian is required to be the account's joint legal owner.

Statement Savings

Saving made simple.

*Available only in the FSM, Majuro and Palau.

  • No minimum opening deposit requirements
  • Earn competitive interest
  • Keep your balance growing with direct deposit
  • Free online, mobile, and voice banking
  • Minimum balance is required to avoid monthly fee
Book an Appointment

Senior Savings

Interest account with convenient access to your money.

*Available only in the FSM, Majuro and Palau.

  • Available to Manamko customers 55 and older
  • No monthly maintenance fee
  • No minimum opening deposit requirement
  • No minimum balance fee
  • Visa® Debit Card
Book an Appointment

Certificates of Deposit (CDs)

Set a target date and watch your savings grow.

*Available in all regions.

  • Fixed rates for guaranteed returns
  • Various terms available
  • No setup fees or maintenance charges
  • Withdrawals not permitted until maturity date*
  • Minimum opening deposit required

*Penalty for early withdrawals

Banking in the palm of your hand.

We love it when you stop in and say hi, but thanks to our digital tools, you can do pretty much all your banking with just a few taps.

  • Check Balances
  • Pay Bills
  • Transfer Funds
  • Deposit Checks
Go Digital

Open a savings account today.

Get Started
Debit Cards

Good to go, wherever you go.

Secure, convenient, and accepted pretty much everywhere.

Learn More
Credit Cards

Your go-to for any adventure.

Earn great rewards on purchases big and small.

Learn More