Build Your Account
Still deciding? Build Your Account allows you to answer a few questions to find the perfect account for you.
Our S&T Rate Tracker money market account raises its rate when the Fed raises theirs.Open an Account
Get up to $2002
When you open a Preferred Banking account or another qualifying account2Open an Account
1 The Annual Percentage Yield (APY) is effective as of December 20, 2018. The APY is equal to 75% of the current Upper Bound Fed Funds Target Rate. Interest rate and APY will change based on the current Upper Bound Fed Funds Target Rate. Minimum deposit of $20,000 new money required. New money is defined as monies that have not been on deposit with the S&T Bank in the past thirty days. A monthly maintenance fee of $15 will be assessed if $10,000 minimum daily balance is not maintained. The account has a maximum of six (6) third party transactions permitted per month. This is a variable rate account. This account is not available for public funds. Interest rate and APY may change without prior notice. Fees may reduce earnings.
2 This offer is not available to current S&T Bank checking customers or those who have closed an S&T Bank checking in the past 12 months. Offer applies to new consumer checking accounts (Preferred Banking, Select Banking, and Four Star Banking (also interest bearing for Preferred Banking and Four Star Banking)) opened from January 21 - March 8, 2019. New accounts will not be eligible for offer if any signer has signing authority on an existing S&T Bank consumer checking account. Signing authority will be defined by the customer name(s) and social security number(s) registered on the account. Offer cannot be combined with any other checking offer and is subject to change or termination without notice. One incentive payout per household. To qualify for the first $100 offer, the initial deposit of $50 must be made within 10 days of account opening and the following conditions also must be met by April 12, 2019: (a) at least ten $10 S&T Bank Visa Debit card purchases (posted and cleared) must be made and (b) enroll in online statements. A $100 will be credited to the eligible account April 26, 2019 for completing the 3 tasks listed above. The additional $100 will be credited to the S&T account on or before September 13, 2019 to signify the 6 month anniversary date of the account opening provided the account qualified for the debit card and online statement incentive. The account must remain in good standing (daily ledger balance greater than $10) in order to receive any incentive. If a $50 Refer a Friend incentive was paid out to this account during the promotional period, your incentive will then be deducted by that amount. The max incentive you are able to receive during this time period is $200. Subject to 1099 reporting.
3 Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of interest will reduce earnings. CD Time Deposit - 1099 is produced in the year interest is paid. This special cannot be combined with any other offer and excludes institutional investors, brokered accounts and money for public funds. Penalty for early withdrawals could affect the APY and could reduce principal for these accounts. This CD Time Deposit APY and interest rate cannot be combined with any other promotion. Additional deposits may be made through automatic transfers from an S&T checking or savings account. Minimum transfer amount is $50. Deposits may also be made at any branch location. Customer must have an S&T checking or savings account to open the CD. Not available on IRAs. This is a variable rate account. The APY and interest rate on the entire account balance will be adjusted and become effective the first Business Day of each month. Deposits made during the month will earn the effective rate from the date of deposit until the rate adjusts. Interest payments will only be available through transfer of funds to an S&T checking or savings account. Interest will be compounded and credited quarterly on March 31, June 30, September 30 and December 31. If withdrawals are made to this account prior to maturity date, a penalty of 90 days simple interest will be imposed. The rate of interest is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month).
4 Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of interest will reduce earnings. APY effective date as of January 16, 2019. No withdrawals permitted during the first 7 day period. Entire certificate may be redeemed without penalty after the first seven days. No partial withdrawals. CD will automatically renew into 12 Month Penalty Free CD with rate offered at the time of maturity. Offer may be withdrawn at any time. Minimum deposit amount is $1,000. Maximum deposit of $500,000 per household. CD Time Deposit-1099 is produced in the year interest is paid. This promotion is not available for investors and brokered accounts.