Personal Savings Accounts

Statement Savings Account

Minimum balance to open is $200.00. Minimum daily balance to earn interest is $200.00. Monthly maintenance fee may apply each month if the minimum daily balance is not maintained during the statement cycle. Limited to 6 (six) pre-authorized transactions per four week or similar period (excessive withdrawal penalty may apply if allowed limit is exceeded). Click here to view our rates.

Health Savings Account

Minimum balance to open is $100.00. No monthly maintenance fee. No minimum balance requirement.  Internet Banking and Debit Card available.  Interest earned is based on tiered balances.  (Click here to view our rates.)

Magnolia Money Market Account

$1,000.00 minimum balance to open. Minimum daily balance to earn interest is $2,500.00. Monthly maintenance fee may apply if minimum daily balance is not maintained during any day of the statement cycle. Limited to 6 (six) pre-authorized transactions per four week or similar period (excessive withdrawal penalty may apply if allowed limit is exceeded). There is no limit on the number of in-house withdrawals. Interest rates vary depending on daily balance.  (Click here to view our rates.)

Christmas Club Account

Minimum balance to open is $10.00. Minimum balance to earn interest is $10.00. Existing checking account required.  Automatic transfers from checking, savings or direct deposit are required to fund account.  Additional deposits may be made to account. Interest only credited annually at account payout. Club Early Withdrawal Fee assessed for withdrawals before payout date.  Full balance of the account will be transferred to funding account on payout date, on or about October 15 each year.  (Click here to view our rates.)

Certificate of Deposit

Certificates of Deposit are available in various terms from 3 months to 5 years.  CD's earn competitive interest rates and are a safe and convenient investment. (Click here to view our rates.)

Individual Retirement Account

Choose from Traditional, Roth, or SEP IRA's in a range of terms from 3 months to 5 years.  IRA's earn competitive interest rates and take the worry out of investing.  Please consult your tax or legal advisor prior to opening or contributing to an IRA.  (Click here to view our rates.)

CDARS

Looking for safety and CD-level rates for your large deposits?  Find out why thousands of safety-conscious institutional investors-businesses, non-profits, public funds/governments-choose CDARS, the easiest way to access multi-million-dollar FDIC insurance through our bank.  (Limits Apply.)  (Click here to view our rates.)