Savings & CD's

Making your money work for you is a must these days! Check out our savings and certificate of deposit plans and choose one of these progressive accounts that will make your money grow.

Early Bird Savings

Why not start your child (up to age 18) off on the right path by opening an Early Bird Savings account designed with the young saver in mind.

Open with $25.00 minimum
Minimum Average Daily Balance of $10.00 required to obtain the annual percentage yield
Interest is compounded and credited quarterly
Statements mailed quarterly

Christmas Club Account

Plan ahead and open a Christmas Club account, designed to help you with that special time of year!

Open with $25.00 minimum
Make unlimited deposits
Accounts mature in November of each year
Penalty for early withdrawal ($25.00)

Passbook Savings Account

Open with $50.00 minimum
Minimum Average Daily Balance of $10.00 required to obtain the annual percentage yield
Interest is compounded and credited quarterly
$5.00 service fee if average daily balance falls below $50.00 for the statement cycle
$1.00 fee charged for each withdrawal of any type in excess of 3 per statement cycle
Statements mailed quarterly

Money Market Account

Open with $1000.00 minimum
Minimum Average Daily Balance of $500.00 required to obtain the annual percentage yield
$5.00 service fee if average daily balance falls below $500.00 for the statement cycle

Transaction Limitations for Savings and Money Market Accounts

Federal regulators limit the number of preauthorized transfers to and from these accounts to 6 per statement cycle. Preauthorized transfers include any transfer by online banking, telephone banking, mobile banking, POS debit card transaction, ACH transaction, and checks payable to third parties.

Certificates of Deposit and Individual Retirement Accounts

We have a wide variety of plans, rates, and terms to offer you the most for your money. Please contact our Customer Service Department at (706)-375-3112 for the latest rates and further information.