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Personal Deposit Products: SAVINGS ACCOUNTS

Its always a good time to start saving for tomorrow, and State Bank of Chilton can help with a variety of long- and short-term savings accounts. Whether you are saving for a major life event or just a rainy day, youll enjoy greater convenience, competitive rates, and more personal service at State Bank of Chilton. 

 

Regular Savings Account

Perfect for those just starting to save.  You can open a Regular Savings account with a low initial deposit. Interest is compounded daily and credited to your account monthly.

  • Available as a Passbook Account or as a Statement Savings Account

  • NO minimum deposit required to open the account

  • Unlimited teller transactions

  • $100.00 minimum balance required to avoid $1.50 monthly service fee (Fees are waived for account holders under the age of 18)

  • Earn a competitive rate of interest. Click here for current rates

*Fees may reduce earnings on this account.

90-day Golden Passbook Savings Account

This account offers savers a great alternative to Certificates of Deposit, and with the low minimum deposit requirement, it allows you to start saving sooner! 

  • Earn a competitive interest rate based on the following tiers:

    • $100.00 to $999.99

    • $1,000.00 & over

      • Click here for current rates

  • $100.00 minimum deposit to open the account

  • $100.00 minimum balance required to avoid $1.50 monthly minimum balance fee

  • Unlimited deposits.

  • Withdrawals are restricted to the following dates provided the money has been on deposit for at least 90 days, or by giving the Bank a 90-day written notice.

    • March 1-10

    • June 1-10

    • September 1-10

    • December 1-10

*A penalty may be imposed for early withdrawal of time deposit accounts.

*Fees may reduce earnings on this account.

 

Christmas Club Passbook Savings

A great way to budget for the holidays. You'll receive your funds plus interest earned just in time for holiday shopping!

  • NO minimum deposit requirement

  • NO minimum balance requirement

  • You'll receive a check for your funds plus interest earned in October of each year - Just in time for holiday shopping!

  • Click here for current rates.

*A penalty may be imposed for early withdrawal of time deposit accounts.

*Fees may reduce earnings on this account.

 

SBC Personal Money Market Account

Expand your earnings with a tiered savings account that offers the flexibility of a checking account.

  • NO minimum deposit requirement to open the account

  • NO minimum balance fee if $1,000.00 minimum balance is maintained

  • Competitive interest rate based on the following tiers:

    • $0.00 to $9,999.99

    • $10,000.00 to $24,999.99

    • $25,000.00 to $99,999.99

    • $100,000.00 to $249,999.99

    • $250,000.00 & above

      • Click here for current rates.

  • FREE check safekeeping

  • Unlimited teller transactions

  • 6 preauthorized transactions per month, 3 of which can be made by check

*Fees may reduce earnings on this account.

 

 Savings Account Comparison Chart

Account Type Account Benefits Minimum Balance Minimum Deposit to Open Account Service Fees
Regular Savings Account

Passbook Account or Statement Savings

Unlimited Deposits and Withdrawals

$100.00 Any Amount None if you maintain the minimum balance of $100.00.  Otherwise $1.50 per month. All fees above are waived for account holders under the age of 18.

90-Day Golden Passbook

Passbook Savings Account

Tiered Interest Rate Structure 

Unlimited Deposits

$100.00 $100.00 None if you maintain the minimum balance of $100.00.  Otherwise, $1.50 per month.

A penalty may be imposed for early withdrawal of time deposit accounts.

Christmas Club Account

Passbook Savings Account

Unlimited Deposits of Any Amount

None Any Amount A penalty may be imposed for early withdrawal of time deposit accounts.
SBC Personal Money Market Account

Competitive tiered interest rate.

$1,000.00 Any Amount None if minimum balance is maintained.  Otherwise, a $7.50 minimum balance fee will be imposed.

Click here for current rates.

 

For more information or to obtain the full disclosures for our accounts, please contact us.

 

Certificates of Deposit

Individual Retirement Accounts

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Recent Changes to FDIC Insurance Coverage

The standard insurance amount of $250,000 per depositor is in effect through December 31, 2013. On January 1, 2014, the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and certain other retirement accounts, which will remain at $250,000 per depositor.

State Bank of Chilton is participating in the FDIC Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Negotiable Order of Withdrawal (NOW) accounts with interest rates of 0.25% or less are included in the program.  This means all Personal and Business checking accounts; SBC Choice and SBC Biz Choice accounts have full deposit insurance coverage regardless of dollar amount, until December 31, 2010. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.     Read More>>>