Personal Savings

Your dreams are closer than you think.

The right savings plan could get you there faster.

Wise money management has tremendous power. Saving money in the right way helps make it multiply. With our guidance, you can put your dreams on the road to reality.

As always, we’ve got options. There’s more than one way to save.

Savings Account

Earn interest that makes your savings grow
No service charge for customers under 18
Open an account with a suggested opening deposit of just $50
Some transactions limited to 6 per calendar month (per federal regulation)
Rate is announced when your account is opened and compounds quarterly
Minimum balance of $250 to avoid a $5 quarterly service charge
$3 fee for every withdrawal in excess of 6 per quarterly statement cycle

Personal Money Market Account

Larger balances earn higher rates
Interest is earned on the daily balance and compounded monthly
No service charge when daily balance exceeds $500 (if daily balance dips below $500, the monthly service charge is a low $5)
Tiered rates are set when your account is opened and is not a fixed rate
Open an account with a low suggested deposit of just $50
6 free withdrawals per month ($5 fee for each withdrawal exceeding 6)

Health Savings Account

Helps you control your healthcare costs and taxes
Works in combination with a high-deductible health insurance policy
Funds are available to help cover qualified, out-of-pocket medical expenses

Certificates of Deposit

The longer the term, the higher your returns
Open an account with just $500

Individual Retirement Account

Open an account with just $500
Interest is compounded quarterly or paid to you as agreed
Current rates are available upon request; all rates are subject to change

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We’re ready to help. Call now, or stop by our branch. Numbers and addresses can be found here.

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Personal Savings​

Your dreams are closer than you think.

The right savings plan could get you there faster.

Savings Account

Personal Money Market Account

Health Savings Account

Certificates of Deposit

Individual Retirement Account

Waycross Bank & Trust

Personal Savings