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Personal Savings Accounts

Planning for tomorrow is an important part of living today! American National Bank of DeKalb County can help you meet your savings goals with a full range of options from traditional savings accounts to certificates of deposit.

Day-to-day life can make it hard to plan for the future. Savings choices help make it easier to save for the future. To help you decide which account is best for your needs, you'll want to consider the following questions:

  • How much money do you want to save?
  • How important is it for you to have access to funds?
  • When will you need access to your savings?
  • Do you have other savings in place? If so, how would you like this to fit in with your overall savings strategy?
  • Automatic transfers — save automatically by having money transferred regularly from your checking to your savings account.

It's never too late, or too early, to save for the future.

Quarterly Savings Account

A statement savings account is a convenient way to build your savings by earning quarterly interest at competitive rates. With a low required minimum balance and no monthly service charge (as long as required minimum balance is met), saving money couldn't be easier!

Minimum Daily Balance Requirement
Withdrawal Charge
Interest
Statements
$50 — If below minimum, $5 per quarter fee. Fee is waived for trust and minor accounts.
Up to six withdrawals per quarter.* Excess withdrawal fee is $2.00 per transaction.
Variable rate of interest accrues on all daily balances and is compounded quarterly.
All transactions are recorded in quarterly statements.

Money Market

A Money Market account offers the ultimate in priority savings rates from American National Bank of DeKalb County. You pay no monthly service fee with a required minimum balance, and earn high monthly interest at tiered rates.

* Minimum to open account is $2,500.

Minimum Daily Balance Requirement
Withdrawal Charge
Interest
Statements
$2,500 — If minimum balance requirement is not met, a service charge of $10 applies
Six transfers are permitted per month (three of which can be checks).* Excess transfers or checks: $6 each
Variable rate of interest accrues on all daily balances and is compounded monthly.
All transactions are recorded in monthly statements.

* Important Notice: Federal regulation limits the number of withdrawals and/or transfers that may be made from a savings account by telephone/PC transfer, preauthorized transfer, check or debit card. You are limited to six withdrawals and/or transfers from your savings account each monthly statement cycle by preauthorized transfer, or telephone/PC transfer (including bill payments). And, if the account permits transfers by check or debit card, no more than three of the six limited transfers may be by check or debit card.

Holiday and Vacation Clubs

  • An easy way to save for holiday expenses or any other future occasion!
  • Automatic deposits designed to fit your needs.
  • Withdrawals only at maturity.
  • Automatic transfer to the account of your choosing at maturity.
  • Interest is compounded and credited to your account at maturity.
  • Accrued interest will not be paid if account is closed before the maturity date.

Golden Key Account

With the Golden Key, you can earn a higher rate of interest than the Quarterly Savings Account. This account is designed for those who require limited access to their money. Withdrawals are limited to the first ten days of each quarter. Interest is earned on balances greater than $100.

Minimum Daily Balance Requirement
Withdrawal Charge
Interest
Statements
None.
Withdrawals are limited to first 10 days of each quarter. Penalty for early withdrawal is equal to one month's interest on amount withdrawn.
Variable rate of interest accrues on all daily balances and is compounded quarterly. Interest is not paid if balance is less than $100.
All transactions are recorded in quarterly statements.

CD Rates

View our for certificate rates.

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