1st Bank of Sea Isle City: Savings Accounts & Rates

Updated: 8/19/2026

Mission: Banksparency aims to make 1st Bank of Sea Isle City's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of 1st Bank of Sea Isle City

Our verdict

1st Bank of Sea Isle City offers Step-Saver, a savings account paying 2.01% APY with a $5,000 minimum deposit.

At 2.01% APY, 1st Bank of Sea Isle City pays 5x the national savings average of 0.38%.

Additional Accounts

Statement Savings, a savings account at 0.05% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Savings Accounts Overview

Step-Saver

Savings

2.01% APY

Tiered Range: 0.50% - 2.01%

Min: $5,000 Branch Access

Rank #136 of 337 tracked.

Limited to 1 withdrawal/month. $5.00 per excess withdrawal. Variable rate. 4 tiers.

Statement Savings

Savings

0.05% APY

Min: $1 Branch Access

Rank #273 of 337 tracked.

The bank page shows a rates effective date of Sep 5 2023. The rate can be stale. Variable rate.

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationSea Isle City, NJ
Deposit InsuranceFDIC Insured(Cert: 30367)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

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FDIC Insured

Quontic High Yield Savings

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No monthly service fees
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FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Savings Accounts: In-Depth View

Savings Accounts Offered by 1st Bank of Sea Isle City

Feature	Step-Saver	Statement Savings
APY	2.01%Range: 0.50% - 2.01%Verified: 8/19/2026	0.05%Verified: 8/19/2026
APY Trend	N/A	N/A
Min. Deposit	$5,000	$1
Min. Balance	$0	$10
Monthly Fee	$25.00 monthly if daily balance falls below $5,000.00	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	monthly	quarterly
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Important	Limited to 1 withdrawal/month. $5.00 per excess withdrawal. Variable rate. 4 tiers.	The bank page shows a rates effective date of Sep 5 2023. The rate can be stale. Variable rate.
Next Steps	-	-

Interactive Tool

Calculate Savings for 1st Bank of Sea Isle City

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$1,186.60(6.2%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$19,186.60

Effective APY

2.01%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

1st Bank of Sea Isle City Savings Rates Over Time

No historical data available.

Compare with 1st Bank of Sea Isle City

Feature	Current View 1st Bank of Sea Isle City	Empty Slot
Product		-
APY	0.50% - 2.01%Verified: 8/19/2026	-
APY Trend	N/A	-
Min. Deposit	$5,000	N/A
Monthly Fee	$25.00 monthly if daily balance falls below $5,000.00	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	monthly	-
FDIC or NCUA Insured	Yes	-
Note	Limited to 1 withdrawal/month. $5.00 per excess withdrawal. Variable rate. 4 tiers.	-
Next Steps	-	-

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