Personal Savings and Money Market Accounts: High Interest Rates | First Commonwealth Bank Skip To Content
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Saving for the Rainy Days

Tuck away your money now so you can always count on your rainy day funds.

Personal Savings and Money Market Accounts

Our savings and money market accounts help put the money you work for, to work for you. They’re a great way to save for someday without missing out on access to your cash today.1

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  • Access your bank accounts anytime, anywhere with our total access digital banking, available on your laptop, or on your tablet and smartphone with our mobile banking app2.
  • Deposit checks without a trip to the bank with Mobile Deposit. Just snap a picture with your phone, send it and you’re done2.
  • Access your money at 55,000 surcharge-free ATMs through AllpointTM and Freedom AllianceTM. So you’re never far from your bank, no matter how far you are from home.
  • Transfer money between your accounts automatically so your savings can build without giving it a second thought. 
  • Stay up to date and watch your savings grow month by month with paper or eStatements.


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American Dream Savings

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Money Market

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Money Market

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Account Overview Provides free overdraft protection on any linked Hometown Checking account3 Get rewarded with higher interest rates based on your banking relationship Earn higher interest for higher balances with easy access to your money including checks1 Qualify for higher Relationship rates6 and keep the benefit of easy access to your money1  
Minimum Deposit to Open  $0 $25 $1,000  $1,000
Monthly Service Charge $0 $2  $3  $3
Minimum Daily Balance to Avoid Service Charge n/a $100 $1,000  $1,000
Earns Interest on All Balances4   


Account is eligible for a reward interest rate based on the number of eligible bank services you have with us.5





Account will earn relationship interest rates when you also have a Hometown Checking + Interest + Solutions account.6

Find The Right Account For You

More Great Options for Saving with a Purpose

Tower Savers

A great way to start saving for your child’s future.

Vacation & Holiday Clubs

Set aside money for a vacation or holiday shopping.

Certificates of Deposit

Lock in your rate for a term ranging from 90 days to 60 months.

1 The number of free withdrawals or transfers from a savings or money market account to another bank account of yours or to a third party by means of a preauthorized agreement, by telephone, online banking or initiated by check, draft, debit card, or similar order to a third party are limited to six (6) per statement cycle. This includes online bill payments and overdraft transfers. An Excessive Transaction Fee of $6.00 may be charged for each debit paid in excess of six (6) during a statement cycle.

2 We don’t charge for these services but standard message, data, and internet service provider rates may apply so check with your carriers.

Overdraft transfer services are limited to the available balance in the linked account. Add Overdraft Protection by calling 800-711-BANK (2265) or visiting a community office near you.

4 Interest is earned on the daily collected balance, and is compounded and credited monthly to the account.

5 American Dream Reward Interest will be increased by .04%, up to a maximum rate increase of .12% added to the base rate, when additional accounts within the following product groupings are included in the Relationship:
    • Checking Account or Money Market Account
    • Certificate of Deposit or Individual Retirement Account
    • Consumer Loan (Installment, Home Equity, Personal Line of Credit, Mortgage or Time and Demand)
Multiple accounts within the same product grouping will count as only one.

6 In order to qualify for the Relationship Rates, the primary or joint owner on the Relationship Money Market must also be a primary or joint owner on a Hometown Checking + Interest + Solutions account. If you do not have a qualifying checking account or there are changes to your checking account (it is closed, changed to a new account type or no longer shares an owner with the Relationship Money Market), the rates may change to the non-relationship rates in effect at the time of the change.