Save for your future

Personal Savings

  • Regular Savings Account

    An interest bearing account which enables the customer to earn a competitive rate of interest and still maintain fast, convenient access to funds.

    • $100.00 minimum opening balance
    • Interest is compounded quarterly and paid quarterly
    • Two free withdrawals per month
    • FDIC Insured
  • Minor Savings Account

    Designed to promote savings and banking in person’s early years. To qualify a person must be under the age of 19.

    • $20.00 minimum opening balance.
    • Interest is compounded quarterly and paid quarterly
    • Two free withdrawals per month
    • eStatements required
    • FDIC Insured
  • Money Market Account

    Provides customers an interest bearing account with limited withdrawal capabilities. There are no customer eligibility requirements to be met; the only restrictions apply to balance and transactions. Transaction limitations allow us to normally offer a higher annual percentage yield on this account than is available on the Super Now account.

    • $1,000.00 minimum opening balance
    • Interest is compounded monthly and paid monthly
    • $1,000.00 daily balance required to avoid monthly fee
    • FDIC insured
    • \
  • Certificates of Deposit

    A time deposit which enables the customer to normally earn a higher rate of interest than a regular savings account. With a variety of short and long term certificates, Troy Bank & Trust can meet the investment needs of the customers.

    • $1,000.00 minimum opening balance
    • Maturities available from 7 days to five years
    • Interest rates established on a daily basis by term
    • Interest that has accrued can be withdrawn from certificate without penalty
    • FDIC Insured
  • Individual Retirement Accounts

    An Individual Retirement account is a plan established by an individual for retirement purposes.

    • $1,000.00 minimum opening balance
    • Tax deferred interest income (Interest earned is not taxable until withdrawn)
    • No annual service charge
    • FDIC Insured
  • Christmas Club Account

    For depositors to develop a systematic savings plan during the year to save for Christmas holiday usage.

    • $5.00 minimum deposit required
    • Customer mailed check for balance in the account during the month of November
    • Penalty for early withdrawal
    • FDIC Insured
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