Bounty

S&T Bank Statement Savings bonus: is $250 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$148: more than leaving it at 4.15%

With $10,000 for 90 days, the tier that adds the most.

With the bonus10.14%
Leave it where it is4.15%

Yearly rate on $10,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $2,000
    $100 bonus · 90 days
    +$80
  • $5,000
    $150 bonus · 90 days
    +$99
  • $10,000Best for you
    $250 bonus · 90 days
    +$148

The math

Compared with leaving $10k at 4.15%

Bonus
+$250
Interest while it's there
0.01% for 3 mo
$0
What it'd earn at home
$10,000 at 4.15% for 3 mo
−$102
Extra
+$148
Works out to 10.1% a year on that cash, vs 4.15% at home.

Deposit $10,000 in new money · Keep $10,000 there until day ? · Must first meet the new checking requirements (two $500 DDs within 90 days). Terms checked Oct 9, 2026.

About this bonus

What it takes

  1. 1Deposit $10,000 in new money
  2. 2Keep $10,000 there until day ?
  3. 3Must first meet the new checking requirements (two $500 DDs within 90 days)
Ends
Dec 31, 2026
Where
Pennsylvania, Ohio
Pays while it's there
0.01% a year
Monthly fee
None
Cash stays
About 90 days
Bonus paid
Usually within 30 days of finishing

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the S&T Bank Statement Savings bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $10,000 tier adds +$148: the $250 bonus, minus the $102 that cash would have earned in 90 days. The $5,000 tier adds +$99. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $10,000 in new money; keep $10,000 there until day ?; must first meet the new checking requirements (two $500 DDs within 90 days). Open to residents of Pennsylvania, Ohio.

When does it end?

The offer ends Dec 31, 2026. The terms were last checked Oct 9, 2026.