Savings Accounts
FROM TRADITIONAL SAVINGS to Money Market Deposit Accounts or Certificates of Deposit to Individual Retirement Accounts, we offer savings plans that will help you responsibly build your future. Whether you are saving for a new car, home, education or retirement, our new account representatives can help you select a saving account to fit your needs.
Our traditional savings accounts, which require only a small, opening deposit, make savings possible even for our youngest saver. Money Market Deposit Accounts give larger depositors the convenience of a competitive interest without giving up accessibility to funds. Both regular saving accounts and Money Market Deposit Accounts are accessible on our 24-hour ATM network.
If you don’t have an immediate need for your funds, consider a higher-rate Certificate of Deposit. We offer terms ranging from three months to three years with various interest options for you to choose from.
Smart retirement planning begins early. We can help you plan for your golden years with an Individual Retirement Account. Saving regularly now will go a long way in helping to make your retirement years more enjoyable.
Our new account representatives can assist you in selecting the saving accounts that best suit your financial needs and lifestyle. Remember, with us you can relax knowing your deposits are insured to the maximum amount allowable by Federal Deposit Insurance Corporation (FDIC).
If you are interested in opening a savings account with us, visit one of our Banking Locations. Federal regulations require that you present a drivers license and Social Security card to open a new account. New customers will be asked to complete an information sheet. For your convenience, PDF versions of our information sheets may be downloaded below and completed prior to your visit to one of our locations.
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Personal Information Sheet (individuals)
Business Information Sheet (businesses)
Our specific savings account options are listed below. You may click on the name of the account to view a detailed disclosure of interest, fees and account terms.
Savings Accounts
- Available to all customers
- Initial deposit of only $25
- No service charge with average minimum balance of $25 per quarter
Money Market Deposit Accounts
- Available to all customers
- Initial deposit of only $2,500
- Interest paid on collected balances of $2,500 or more
- No service charge with minimum balance of $2,500 or more
- Service charge with minimum balance of less than $2,500 of $7 plus $0.25 per account deduction
- Regulatory limits on checks and transfers apply
- Check images returned with statements
- Free direct deposits
Top of The Rock Money Market Deposit Accounts
- Available to individuals
- Initial deposit of only $2,500
- Interest paid on collected balances of $2,500 or more
- No service charge with minimum balance of $2,500 or more
- Service charge with minimum balance of less than $2,500 of $7 plus $0.25 per debit
- Regulatory limits on checks and transfers
- Check images not returned with statements
- Free direct deposits
Certificates of Deposit
- Available to all customers
- Initial deposit of only $500
- 3-month, 6-month, 12-month, 18-month, 24-month and 36-month maturities available
- Interest compounded quarterly, semiannually, annually, or at maturity
Individual Retirement Accounts
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