Personal Savings

Club Savings

• $50 minimum deposit to open.
• Account earns market interest rate on daily balances of $25 and above
  Interest is compounded and credited into the account semi-annually
• 3 free withdrawals per quarterly statement cycle, $2 item charge for each additional withdrawal

Christmas Club Savings

• $50 minimum deposit to open.
• Account earns market interest rate on daily balances of $25 and above
  Interest is credited into the account annually
• 1 free withdrawal per six month period, $5 item charge for each additional withdrawal

Kids Club Savings

• Offered to children age birth to 16
• $5 minimum deposit to open.
• Account earns market interest rate on daily balances of $5 and above
  Interest is compounded quarterly and credited into the account quarterly
• Free savings deposit/withdrawal slips
• 3 free withdrawals per quarterly statement cycle, $1 item charge for each additional withdrawal
• Additional interest paid on the child's one year Certificate of Deposit which must be done in the week of the child's birthday
• Each child will receive a free Piggy Bank with the opening of the Kids Club account:
  • $5 minimum opening deposit - piggy bank
  • $50 account balance - pencil
  • $100 account balance - water bottle
  • $250 account balance - frisbee
  • $500 account balance - t-shirt
  • $1,000 account balance - activity bag

Money Market Account

• $1,000 minimum deposit to open
• Account earns tier market interest rates
• $7.00 monthly service charge if balance falls below $1,000
• 6 free withdrawals per monthly statement cycle.  $5.00 item charge for each additional withdrawal

Classic Money Market Account

• $5,000 minimum deposit to open
• Account earns tier market interest rates
• $10 monthly service charge if balance falls below $5,000 any time during statement cycle
• 6 free withdrawals per monthly statement cycle. $5.00 item charge for each additional withdrawal
• Must maintain a Hometown Secure or Classic Secure checking account

Personal Certificates of Deposit

Consider a West Central Georgia Bank certificate of deposit for your longer term investments. Choose from a variety of terms, from 91 days to 5 years. Our CD’s offer competitive interest rates and you can tell us how to pay your interest: monthly, quarterly, semiannually, annually, or at maturity.

The interest rate will vary according to the certificate term and there is a penalty for early withdrawal. Certificates of Deposit are FDIC insured.

Contact us for current rates at 706-647-8951, or come by and see a customer service representative at one of our locations.