Personal Banking
Digitize your banking experience
We understand that your financial journey is unique. That’s why we offer a range of personalized banking solutions designed to fit your lifestyle, whether you're saving for a big purchase, managing everyday expenses, or planning for the future.
Personal Banking Options
Checking Account
Checking made easy
We offer two modern, no-hassle Checking Accounts that include a variety of features and convenient access to online/mobile banking.
Compass Checking
Click Here for Business Accounts
$100 to open an account
Online account opening
No monthly service charges*
Mobile wallet-enabled debit card
Online and mobile banking
Mobile deposit
Access to over 300,000 free NYCE ATMs
Platinum Checking
Note balances are calculated using the average daily balance method*
Click Here for Business Accounts
$100 to open an account
Online account opening
$15 Balance requirement fee for balances under $1,000*
Competitive tiered rates based on account balance*
Interest compounded monthly and paid monthly*
Mobile wallet-enabled debit card
Online and mobile banking
Mobile deposit
Access to over 300,000 free NYCE ATMs
*E-Statements required - see Deposit Account Agreement for more info on terms, and our Consumer Deposit Rates for more info on current rates and minimum balances.
Minimum Balance Requirement
APY(Annual Percentage Yield)*
$1,000.00 to $2,999.99
0.05%
$3,000.00 to $9,999.99
0.15%
$10,000.00 and above
0.50%
Online Banking - Bank from anywhere, anytime
The Portage online banking and mobile app puts your accounts, transfers, and payments a click away or in your pocket — with the security you expect from a bank that knows you by name.
Accounts
View balances, running totals, transaction history, across all your accounts.
Move Money
Transfer between Portage accounts or make loan payments.
Mobile deposit
Deposit checks by snapping a photo, no branch or ATM visit needed.
Pay Bills
Pay bills online and get eligible bills presented digitally.
Alerts & notifications
Get notified about deposits, withdrawals, low balances, and suspicious activity.
Take Portage wherever you go
Our free mobile app gives you fast secure 24/7 access to your finances.
CDs
Save and make money with minimal effort
CDs are a low-maintenance way to save and make money. Our CDs give you the choice of terms, so whether it’s a few months or several years, you get to decide what works best for your financial goals. CDs also help encourage more disciplined saving, as funds are less accessible during the terms you’ve decided.
Features
Competitive interest rates*
Extensive range of terms*
FDIC insured (up to applicable limits)
Guaranteed returns
*See Deposit Account Agreement & Disclosure for more info on terms, and our Deposit Rate & Fee Schedule for more info on current rates and minimum balances.
Certificate Of Deposit
APY*
3, 6 & 9 Month
0.75%
12 Months
2.27%
24 Months
2.53%
36 & 48 Months
2.78%
For Laddered CD Rates, please Deposit Rate & Fee Schedule
Rates accurate as of above date and subject to change without notice.
Fees may reduce earnings. FDIC insured up to applicable limits.
A penalty of 30 to 180 days of interest may be imposed for early withdrawal on Certificates of Deposits will affect earnings on the account. CD renews automatically at maturity.
Click Here for Business Accounts
Minimum to Open
$500
$500
$500
$500
New!
America’s 250th Anniversary Promotional CD
Available only from June 29th-August 31st, 2026.
(promotion availability subject to change or cancellation at any time without notice).
Upon maturity, this promotional CD will automatically renew once at a rate of 3.65% (3.68% APY) for the same 6-month term. This promotional CD is available to new deposits only; transfers from existing Portage Bank accounts do not qualify. This renewal rate applies exclusively to customers who opened this promotional CD and is not the standard 6-Month High Yield CD rate. Subsequent renewals will be at the then-current standard 6-Month High Yield CD rate. Member FDIC.
APY*
6-Mo Anniversary CD
Minimum to Open
4.19%
6 Months
CD Rates — Effective June 29, 2026
$10,000-$1,000,000
Savings Account
Earn while you save
Having money that’s safely squirreled away and earning interest is a great way to hit your financial goals. A savings account will help you in the short-term like having money when you need it, but it’s also beneficial for the long-term like saving up for college or a down payment on a house.
Features
$10 to open an account
No monthly service charges for active accounts*
Interest compounded and paid quarterly*
Online and mobile banking
Click Here for Business Accounts
*See Deposit Account Agreement for more info on terms, and our Consumer Deposit Rates for more info on current rates and minimum balances.
Money Market Account
Savings with more access
Our New Frontiers Money Market Account gives you the best of both worlds. You get higher interest rates than a regular savings account plus the flexibility to access your money when needed.
Features
Tiered rates from 0.75% to 3.30% APY (annual percentage yield)*
Interest compounded and credited monthly
$2,500 to open an account
No monthly service charges**
FDIC-Insured deposit protection
Debit card, check, online and mobile access
Rate variable. APY accurate as of June 9, 2026 and subject to change. $2,500 minimum to open.
Click Here for Business Accounts
*E-statements required, see Deposit Account Agreement & Disclosure for more info on terms, and our Deposit Rate & Fee Schedule for more info on current rates and minimum balances.
Minimum Balance Requirement
APY*
$0.01 to $9,999.99
0.75%
$10,000 to $99,999.99
2.27%
$100,000 to $249,999.99
2.53%
$250,000 to $499,999.99
2.78%
$500,000 and above
3.30%
Personal Lending-
For life’s next challenge
Get a personal loan or line for your needs
Features
Fixed or variable rates
Loan types: personal loans, secured/unsecured lines of credit, overdraft lines of credit, and more.
Short or long terms
Rate discounts possible with autopay
**Loans subject to credit approval, loan officers are licensed federally by NMLS (#1831756). Visit nmlsconsumeraccess.org for more information.
We are committed to fair lending. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, or any other characteristic protected by law.
