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.

Savings Account
This all purpose savings account makes savings easy!

• Maintain a minimum daily balance of $50 to avoid the $5 quarterly service charge.
• You must deposit $50 to open this account.
  
• Earn the current savings rate and annual percentage yield on your balance. For current rate information, please contact one of our banking offices.
  
• A fee of $2 will be charged for each withdrawal of any type in excess of six (6) per quarterly cycle.

Personal Money Market Account
You’ll love the benefits of our Money Market Account, which rewards your higher balances with a tiered interest rate. So the higher your balance, the more interest you earn.

• Maintain a minimum daily balance of $1,500 to avoid the monthly service charge of $10.
  
• You are allowed six (6) transfers or withdrawals from your account each statement cycle.
  
• A fee of $5.00 will be charged for each withdrawal of any type in excess of six (6) per statement cycle.
  
• This is a tiered rate account. The interest rate and annual percentage yield you earn will be determined by your account balance according to the tiers shown below:

$0.00 - $4,999.99
$5,000 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 or more

For current rate information, please contact one of our banking offices.

• You must deposit $1500 to open this account.
• Your account also gives you access to a number of FREE benefits, including Mobile Banking*, Online Banking, e-statements, and email and text message alerts*.
  (Additional fees apply to the Bill Pay service.)

*You may be subject to fees and charges assessed by your mobile carrier.

Business Money Market Account
Put your company’s excess cash to work for you! Our Business Money Market Account rewards higher balances with a tiered interest rate. So the higher your balance, the more interest you earn.

• Maintain a minimum daily balance of $1,500 to avoid the monthly service charge of $10.
  
• You are allowed six (6) transfers or withdrawals from your account each statement cycle.
  
• A fee of $5.00 will be charged for each withdrawal of any type in excess of six (6) per statement cycle.
  
• This is a tiered rate account. The interest rate and annual percentage yield you earn will be determined by your account balance according to the tiers shown below:

$0.00 - $4,999.99
$5,000 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 or more

For current rate information, please contact one of our banking offices.

• Your account also gives you access to a number of FREE benefits, including Mobile Banking*, Online Banking, e-statements, and email and text message alerts*.

*You may be subject to fees and charges assessed by your mobile carrier.

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.