Personal Banking

See how much we can help you save

We’ll work with you to set your goals and help you reach them

Savings Accounts

Regular Savings

You have a savings goal in mind—achieve your goals while earning to do so along the way.

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Minor

You’re under 19 and seeking to start banking and saving. Earn interest that pays out every quarter.

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Christmas Club

Save for the season year-round with access to your funds just in time for holiday shopping.

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Compare Troy Bank Savings Accounts

Minimum opening balance

Regular

$100

Minor

$20

Christmas Club

$5
Monthly fee

Regular

$2*

Minor

Not Applicable

Christmas Club

Not Applicable
Interest compounded daily

Regular

Applicable

Minor

Applicable

Christmas Club

Not Applicable
Daily balance to earn yield

Regular

$100

Minor

Not Applicable

Christmas Club

Not Applicable
Transaction fees

Regular

$5Each Debit in Excess of 2

Minor

$5Each Debit in Excess of 2

Christmas Club

$10**Penalty for early withdrawal
FDIC Insured

Regular

Applicable

Minor

Applicable

Christmas Club

Applicable

Money Market – Savings to Serve Your Best Interest

Your main interest is just that: interest. However, you still want peace of mind knowing you can access your funds if needed. Maintain a $1,000 daily balance and earn a stated yield while avoiding monthly fees.

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Individual Retirement Accounts – Make Your Money Work for You

You’ve spent your career preparing for the days when your retirement savings can do the work for you. Earn tax deferred interest without an annual service charge, with just a $500 minimum opening balance.

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Certificates of Deposit

You want to maximize your money. Choose a 1-year CD and watch your money grow, take more time to save what you need with a 3-year term, or give your money the opportunity to mature into a healthy savings with a 5-year CD.

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Use Your Debit Card to Save on Every Purchase

Enroll in Savings Made Simple and each debit card purchase will be rounded up to the nearest dollar amount and automatically transferred into your savings account.

Contact an experienced banker

Speak with a representative who will understand your needs.

Contact Us

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