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Personal Savings & Money Markets
 

There are many reasons to save, a down payment on a home, a child's education, retirement, a vacation or just a rainy day. Saving is a smart habit and we have the best options to get you started right. Click here for a convenient comparison chart.

Minor Savings

A great teaching tool that demonstrates the value of saving to children in an easy to manage format for parents.

  • No service charge for children under the age of 18
  • Free online banking
  • Parental link for additional control of the account

Regular Savings

This account is the foundation of any financial plan and the best place for Christmas, new car, or just a rainy day fund.

  • Competitive rates that increase with higher balances
  • No service charge if minimum balance is maintained
  • Free Internet banking and bill pay
  • Free paper statements 
  • Six free withdrawals per quarter ($2.00 per additional withdrawal) 
  • Interest credited quarterly 
  • No maintenance fee if minimum balance of $100 maintained (otherwise $6.00) per quarter
  • No service charge for those under age 18 regardless of balance 

Personal Money Market

Earn a higher rate of return on your savings balances. This account is designed for those individuals that only need a limited access to funds and wish to enjoy a higher rate of return.

  • Six free withdrawals per statement cycle
  • Interest is credited monthly to the account
  • Free online banking
  • Free imaged statements
  • Maintenance fee is waived if a minimum balance is maintained

First Elite Money Market

Enhance your investment options with this high interest tiered rate account. This account is ideal if you maintain a high savings balance and desire a premium rate.

  • Tiered investment rate tied to the 90 day U.S. Treasury rate (adjusted monthly)
  • Maintenance fee is waived if a minimum balance is maintained
  • Six free withdrawals per statement cycle
  • Interest is credited to the account monthly
  • Free imaged statements 
  • $10,000 minimum deposit to open 

 Comparison Chart

Minor Savings Regular Savings Money Market First Elite Money Market
A great account to teach your children to save A basic savings account earning a competitive interest rate A competitive interest rate with limited check writing privileges Premium rates for customers who maintain higher balances in their accounts
$100.00 $100.00 $1,000.00 $10,000.00
N/A No service charge if $100 minimum balance is maintained No service charge if $1,000 minimum balance is maintained No service charge if $10,000 minimum balance is maintained
6 free withdrawals per statement cycle 6 free withdrawals per statement cycle 6 free withdrawals per statement cycle 6 free withdrawals per statement cycle
Competitive rates tiered based on balance Competitive rates tiered based on balance Competitive Interest Rates Higher interest rates determined by balances

  

To report a lost or stolen Visa check card or ATM card during non-banking hours, please call 1-800-500-1044.  To report a lost or stolen Visa credit card call 1-800-423-7503.

For more information regarding FDIC insurance coverage visit www.fdic.gov.
 
Main Office Phone: 706-226-5377
Mailing Address:  PO Box 459 Dalton GA 30720
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