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Life, it's one less
thing to worry about.

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Cumulus today!

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Life simplified.

Banking, borrowing, investing - we've got it all. Cumulus offers the products, services, knowledge, and resources necessary for your financial success.

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Checking

Thousands of ATMs and branches, plus absolutely no fees.

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Savings

Earn interest while save for what really matters in to you.

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Credit Cards

We have credit options for every type of spender.

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Borrowing

We're here to help you achieve financial success wherever life takes you.

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Investing

Earn tax benefits while guaranteeing financial security in your future.

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Refer a Friend, Earn $50 Each

Know someone who would love Cumulus? Share the benefits and you'll both earn $50 when they open a qualifying account.

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Freedom
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Cumulus Freedom Card

Earn a $100 new cardmember bonus after you spend $500 on purchases in your first 3 months.*

Apply for a Card

Cumulus Freedom Card Benefits

Features and Benefits

  • Free transactions at over 7,200 ATMs
  • Unlimited check-writing
  • Bonus rates on select CDs and IRA CDs
  • Free Overdraft Protection set up and transfers

Requirements

  • $2,000 or greater, total qualifying direct deposits per statement period
  • OR, $2,000 average monthly balance in checking
  • OR, $15,000 combined average monthly balance in Cumulus consumer deposits, loans and/or investments

Cumulus Freedom Card Details

Minimum Deposit $25
Monthly Service Charge $15 if the minimum deposit is not met
ATM Fees $0 per transaction at Cumulus Bank ATMs

In a few easy steps, find the card that works for you.

Get Started

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$
High-Yield
Savings Account

Cumulus Savings Account

Watch your money grow with competitive interest rates. Start saving for what matters most with our flexible and secure savings account options.

Open Savings Account

High-Yield Savings Account Benefits

Account Features

  • Competitive interest rates to maximize your savings
  • No monthly maintenance fees
  • FDIC insured up to $250,000
  • 24/7 online and mobile access
  • Automatic transfers from checking
  • Savings goals and tracking tools

Why Choose Cumulus Savings?

  • Easy account opening process
  • No minimum balance requirements
  • Link multiple savings goals to one account
  • Free person-to-person transfers

Account Details

Minimum Opening Deposit $25
Interest Rate (APY) Competitive rates - Contact us for current rates
Monthly Fee $0
Withdrawal Limit 6 per statement cycle

Start Saving Today

Whether you're saving for a rainy day, a dream vacation, or a major purchase, our savings account helps you reach your financial goals faster.

Open Account

Questions about our savings accounts?

Our financial advisors are here to help you choose the right savings strategy for your needs.

Schedule a Consultation

Already have an account?

Log in to manage your savings, track your goals, and see your balance grow.

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Exclusive Mortgage Offers

Take advantage of personalized offers designed to save you money on your home purchase.

View Offers

Your Personalized Mortgage Offers

Take advantage of these exclusive offers to make homeownership more affordable

Exclusive Offer

Up to 1% Refinancing Rate Discount

For existing high-value customers

Earn a 1% rate discount on your refi when you maintain $250,000 or more in deposits or investments.
Available exclusively for our valued high-balance customers
Competitive rates to save you money
Refinance Now
Limited Time

Save on Closing Costs

Reduce your upfront expenses

Save up to $500 on your mortgage closing costs
Additional 0.125% rate discount when you set up Auto Pay from your Cumulus checking account
Streamlined application process with quick approval
Apply for Mortgage

Why Choose Cumulus for Your Mortgage?

Mortgage Loan Benefits

  • Fixed-rate mortgage with a 3% down payment
  • Free mortgage prequalification
  • Online application management for loans
  • Get approved in minutes

Additional Advantages

  • Competitive rates
  • Flexible terms
  • Staff you can trust and depend on
  • Close your loan with ease and peace of mind

Buying your first home?

Buying your first home can be a rewarding experience. But it's a big commitment—one that you should only make if the financial, emotional and lifestyle considerations make sense for you.

First Time Home Buyers

Buying your next home?

Maybe life has likely changed since you last purchased a home. Your career may be advancing or you may be ready to retire. You could be welcoming kids or about to become an empty nester. You may want to earn more money through an investment property or find a home with special amenities that match your lifestyle.

Finance Your Next Home

Apply Online

Our simplified mortgage pre-approval application will walk you through each step.

Get Started

Work With a Loan Officer

We are available at branches nationwide to discuss your preferences and learn about your loan options.

Find a Loan Officer

Request More Information

Like what you see but not ready to commit? We're happy to answer any of your questions and provide you with more information about our mortgages.

Request for More Information

Call Us

1-888-CUMULUS

Mon – Fri: 7 am – 9 pm
Sat: 8 am – 6 pm
Sun: 10 am – 6 pm
Eastern Time

Application

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Refer a Friend

Share Cumulus and earn $50 each

Which product would you like to refer?

Select the product you'd like to recommend to your friend

Checking

Free checking with no fees

Savings

High-yield savings account

Credit Card

Earn rewards on purchases

Mortgage

Home financing options

Enter your friend's email

We'll send them information about the

Referral Sent!

Your friend will receive an email with information about Cumulus. Once they open a qualifying account, you'll both receive $50. Thanks for spreading the word!