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Personal Savings, CDs, and IRAs
Whether you would like to have money saved away for a special purchase, an emergency or for long-term financial planning, we have the accounts to help you achieve your goals. All of our accounts earn competitive rates of interest, offer easy ways to avoid monthly charges, and are FDIC insured.
General Accounts Apply Now!
Regular Savings
Earn interest with a low minimum balance.
  • $25 opening deposit
  • Competitive interest and no monthly service charge if $200 balance maintained (otherwise $4)
  • Two free withdrawals per month ($3 each thereafter)
  • Free Internet B@nking and Bill P@y
  • Interest is compounded daily and credited quarterly
  • Transfer limits apply1
  • Free e-Statements
Premium Savings
Earn competitive or preferred rates of interest through our tiered interest structure.
  • $2,500 opening deposit
  • No monthly service charge if $200 balance maintained (otherwise $4)
  • Preferred interest rate on balances $5,000 and greater
  • Two free withdrawals per month ($3 each thereafter)
  • Free Internet B@nking and Bill P@y
  • Interest is compounded daily and credited quarterly
  • Transfer limits apply1
  • Free e-Statements
Children’s Savings (SMART Savings)
This account helps children save for future needs.
  • $25 opening deposit
  • No minimum balance
  • Two free withdrawals per month ($3 each thereafter)
  • May grow tax-free2 until the child reaches age 18
  • Interest is compounded daily and credited quarterly
  • Transfer limits apply1
  • Free e-Statements
High-Yield Accounts Apply Now!
Christmas Club Account
Save money, earn interest and receive a check in early November to begin your holiday shopping.
  • $25 opening deposit
  • $3 account fee (waived if final check exceeds $100)
  • $10 penalty for early withdrawal
  • Interest is compounded daily using collected balance and credited annually
Money Market Account
Enjoy competitive interest with limited accessibility on a higher savings balance.
  • $2,500 opening deposit
  • No monthly service charge if $1,000 balance maintained (otherwise $5)
  • Interest is compounded daily using collected balance and credited monthly
  • Transfer limits apply1
Certificate of Deposit (CD) – Regular and IRA
This account offers interest through various maturity terms when withdrawals aren’t needed.
  • $500 opening deposit
  • Interest is compounded daily using collected balance
  • Tax2 is deferred on IRA CD interest
  • Penalty applies for early withdrawal
Money Market IRA
This account allows for flexible retirement savings with unlimited contributions.
  • $100 opening deposit
  • Competitive interest
  • IRS penalties may apply for early withdrawals
CDARS®, the Certificate of Deposit Account Registry Service®
CDARS is the easiest, most convenient way to access multi-million-dollar FDIC insurance on large deposits. And you work directly with just one bank - Georgia Bank & Trust - the bank you know and trust.

Limits apply. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. The agreement contains important information and conditions regarding the placement of funds by us. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.
1 You may make no more than six preauthorized withdrawals, automatic or telephone transfers, checks, drafts, and debit card or other similar transactions from your account per month or statement cycle.
2 Consult with your tax advisor about the benefits available to you.
 

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