SSB Bank savings, CD and money market rates
SSB Bank advertises 3.71% APY on its America's Finest Saver account. That is 3.34 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
A checking account at the bank is required.
Ranked #113 of 2786 tracked savings rates by advertised APY. For a $10,000 balance it would rank #74.
SSB Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 3.71% · America's Finest Saver · checking account required |
| Minimum to open | $0 · America's Finest Saver |
| Against the national average | 3.34 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.24% · 11 months · 11 Month CD - New Money Special |
| Minimum to open | $500 · 11 months CD |
| Against the national average | 2.51 percentage points above the 1.73% FDIC 12-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | Up to 2.32% · Premium Money Market · needs at least $50,000 · checking account required · requires direct deposit |
| Minimum to open | $0 · Premium Money Market |
| Against the national average | 1.69 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 30431 · Pittsburgh, PA |
|---|---|
| Website | www.ssbpgh.com |
| Branches | 3 branches in PA |
| Availability | Available in PA |
SSB Bank savings, CD and money market rates
How the rate applies
How the rate applies
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
SSB Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 1.65% | $1,000 | 91 Day CD |
| 6 months | 1.75% | $1,000 | 6 Month CD |
| 11 months | 4.24% | $500 | 11 Month CD - New Money Special |
| 12 months | 1.76% | $500 | 12 Month CD |
| 18 months | 1.76% | $500 | 18 Month CD |
| 24 months | 1.76% | $500 | 24 Month CD |
| 30 months | 1.76% | $500 | 30 Month CD |
| 36 months | 1.76% | $500 | 36 Month CD |
| 48 months | 1.81% | $500 | 48 Month CD |
| 60 months | 2.77% | $500 | 60 Month CD |
| 61 months | 4.24% | $500 | 61 Month CD - New Money Special |
| 84 months | 3.02% | $500 | 84 Month CD |
| 120 months | 3.02% | $500 | 120 Month CD |
Interactive Tool
Calculate Savings for SSB Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,700.50(10.8%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,700.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What SSB Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, SSB Bank paid a higher average rate on savings and money market deposits than 64% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- SSB Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Christmas Club | 4.32% | $0 | $0 | None | not stated | None | One rate | |
| Fine print: The rate is reset every year on November 1. | ||||||||
| America's Finest Saver | 3.71% | $0 | $0 | None | not stated | Checking account · direct deposit not stated | One rate | |
| Fine print: An America's Finest Checking account is required. The advertised rate is earned only in a month when that checking account's own monthly requirements are met. In any other month the balance earns a much lower rate. | ||||||||
| Kasasa Saver | 3.20% | $0 | $0 | None | not stated | Checking account · direct deposit not stated | One rate | |
| Fine print: A Kasasa Cash or Kasasa Cash Back checking account is required. The advertised rate is earned only in a month when that checking account's own monthly requirements are met. In any other month the balance earns a much lower rate. | ||||||||
| Passbook Savings | 0.50% | $0 | $0 | None | not stated | None | Tiered | |
| Premium Money Market | 2.32% | $0 | $1,000 | None | not stated | Direct deposit · Checking account | Tiered | |
| Money Market (MM REG) | 2.02% | $0 | $0 | None | not stated | None | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 91 Day CD | 3 months | 1.65% | $1,000 | not stated | not stated |
| 6 Month CD | 6 months | 1.75% | $1,000 | not stated | not stated |
| 11 Month CD - New Money Special | 11 months | 4.24% | $500 | not stated | not stated |
| 12 Month CD | 12 months | 1.76% | $500 | not stated | not stated |
| 18 Month CD | 18 months | 1.76% | $500 | not stated | not stated |
| 24 Month CD | 24 months | 1.76% | $500 | not stated | not stated |
| 30 Month CD | 30 months | 1.76% | $500 | not stated | not stated |
| 36 Month CD | 36 months | 1.76% | $500 | not stated | not stated |
| 48 Month CD | 48 months | 1.81% | $500 | not stated | not stated |
| 60 Month CD | 60 months | 2.77% | $500 | not stated | not stated |
| 61 Month CD - New Money Special | 61 months | 4.24% | $500 | not stated | not stated |
| 84 Month CD | 84 months | 3.02% | $500 | not stated | not stated |
| 120 Month CD | 120 months | 3.02% | $500 | not stated | not stated |
Fine print for 2 CDs above: At maturity the certificate renews at the rate of the nearest standard term the bank offers, not at the special rate.
Opening and using the account
| Availability | Available in PA |
|---|---|
| Footprint | 3 branches in PA |
| Eligibility | not stated |
How SSB Bank behaves over time
Every observation of the advertised America's Finest Saver rate in the last 12 months was 3.71% (observed through Oct 10, 2026). The series includes promotional tiers where one applied.
Banksparency observed no cuts to SSB Bank's advertised savings rate in the last 12 months, a period with 2 Federal Reserve cuts.
Recent rate changes, as observed
- Obs. Sep 14, 202661 Month CD - New Money SpecialRaise:4.10%to4.24%
- America's Finest Saver
- The same as 30 days ago.
- 11 months CD
- The same as 30 days ago.
- Premium Money Market
- The same as 30 days ago.
$10,000 at the 3.71% APY SSB Bank advertises on America's Finest Saver grows to $10,371 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,030 does today. See how the federal funds rate shapes savings rates.
SSB Bank CD rates over time
Who is SSB Bank?
| Headquarters | Pittsburgh, PA |
|---|---|
| Founded | 1922 |
| Scale | $430M assets · $378M deposits, $290M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 30431 |
| Charter state | Pennsylvania · one of 110 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,912th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 95% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What SSB Bank pays on deposits above.
Common questions about SSB Bank
Is SSB Bank FDIC insured?
Yes. SSB Bank is FDIC insured under certificate 30431, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at SSB Bank?
SSB Bank requires no minimum deposit to open its America's Finest Saver account, as observed on Oct 10, 2026. Check the bank's current terms before you open an account.
Does SSB Bank have branches?
Yes. SSB Bank operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
SSB Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| SSB Bank | 3.71% | 1.82% | $0 | 3 branches in PA |
| Iowa State Bank and Trust Company of Fairfield, Iowa | 3.71% | 3.19% | $2,500 | 3 branches in IA |
| Winnsboro State Bank & Trust Company | 3.71% | 0.90% | $2,500 | 5 branches in LA |
| Iowa Trust & Savings Bank | 3.70% | 2.15% | $100 | 4 branches in IA |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to SSB Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Pennsylvania, nearest to SSB Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Pennsylvania.