Grow Your Savings with Confidence
Whether you're building an emergency fund or saving for something special, our savings solutions help your money work harder—securely and steadily.
PositiveChange Savings Accounts
Prepare for the future while saving and earning money. Add a savings account and enjoy overdraft protection transfers to your checking account for no additional fee.
Key Features:
- ✔ eStatements (optional)
- ✔ Online and mobile account access
Savings
- Minimum opening balance: $50
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Service charge: $5/month, waived if:
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$200/month average balance for this account
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$10,000/month average balance combined across accounts for which you are the owner or joint owner
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Primary tax holder is minor under 18
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- Features: Online and mobile banking, Bill pay, ATM card***
An account with the essentials to begin building a healthy financial future.
Money Market
- Minimum opening balance: $50
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Service charge: $5/month, waived if:
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$3,000/month average balance for this account
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$10,000/month average balance combined across accounts for which you are the owner or joint owner
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Features: Online and mobile banking, Check-writing ability, ATM card***
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You can earn a higher interest rate than with a savings account, with check-writing ability.
Certificate of Deposit (CD) Accounts
- Minimum opening balance: $250
- Service charge: $0
- Terms of 3 to 60 months; early withdrawal penalty may apply.
- Paid interest may be withdrawn without penalty or rolled over at maturity into the principal balance. Assessment of penalties can reduce principal and earnings.
- Interest: Compounded daily, credited monthly by adding back to the CD.
Earn interest on your deposit for a fixed time period.
Individual Retirement Accounts (IRAs)
- Minimum opening balance: $250
- Service charge: N/A
- Terms of 3 to 60 months; early withdrawal penalty may apply
- Bank and IRS penalties may be imposed for early withdrawal. Assessment of penalties can reduce principal and earnings.
- Interest: Compounded daily. Paid quarterly.
A tax-advantaged long-term savings account to help you save for retirement.
**Additional fees may apply. Please see Schedule of Fees and Charges.
***$2.50 transaction fee for withdrawals at foreign ATMs (other banks may charge a fee). Any ATM not in the Oxleigh State Bank ATM network is a non-network ATM.
Ready to Bank with Us?
Let's discuss how we can support your business growth and financial success.