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It's been said that compound interest is the eighth wonder of the world. A few dollars saved consistently over time can grow to a significant sum. Our investment experts can customize a retirement savings program that fits your budget today, and gets you where you want to be tomorrow. Your future is waiting...

At Habersham Bank we are committed to helping you meet your financial goals, and we have a variety of savings options for your hard-earned money. Whether you're saving for a rainy day or for a specific purchase, let us help you pick the account that's right for you.

Account
Features
Minimum to Open
Notes
Add+Vantage Savings

Add to the account at any time

One penalty-free withdrawal within the first 10 days

A second penalty-free withdrawal anytime during the term

Automatic renewals on January 1 and July 1

$300*
Available to all checking account customers
Certificates of Deposit

Competitive rates

Wide variety of terms available

Determined by term of CD
 
Regular Savings
Competitive rates
$100*

$25 for students*

Three free withdrawals per quarter

Quarterly statements provided

Solomon’s Savers
Savings club for children 12 and under
$10*

Three free withdrawals per quarter

Quarterly statements provided

Money Market Accounts
Competitive rates, limited check-writing capabilty and unlimited in-person withdrawals
$1500*

Checks, preauthorized withdrawals, automatic transfers or telephone orders exceeding three per month are $5.00 each

* See account detail page for service charge information.

 

Add+Vantage Savings
The Add+Vantage Savings Account provides security for your future and flexibility to save at your own pace. This great account is available to all checking account customers.

Flexibility: Start your account with as little as $300 and add more anytime you wish during the 6-month term. Need cash? You can make a one penalty-free withdrawal during the first 10 days and one additional penalty-free withdrawal anytime during the term.

Convenience: The Add+Vantage Savings Account automatically renews every January 1 and July 1. Automatic transfer is available for easy add-on deposits.


Certificates of Deposit

A certificate of deposit is a fixed-rate investment option for a specified period of time. Habersham Bank certificates of deposit are available in a wide variety of term options. Rates are determined by the length of maturity.

Competitive rates: Earn higher interest on your funds by leaving them on deposit for the term of the certificate. Early withdrawals will result in a substantial interest penalty.


Regular Savings

Earn interest on your money with a no-hassle Habersham Bank savings account.

Low minimum balance: Start your savings account with as little as $100 (or $25 for students). As long as this minimum balance is maintained, there is no service charge. A $10 fee is charged if the minimum balance falls below $100 (or $25 for students) during the quarter.

Withdrawal privileges: Make up to three withdrawals per quarter with no fees. A $10 fee is charged for each withdrawal after three in a given quarter.


Solomon's Savers

Help your child get into the savings habit early with a Solomon's Savers account which is exclusively for children 12 years old and younger. Upon opening a Solomon's Savers account, children receive a free gift and a Solomon's Savers passbook.

Low minimum balance: Start your Solomon's Savers account with as little as $10. As long as the $10 minimum balance is maintained, there is no service charge. A $6 fee is charged if the minimum balance falls below $10 during the quarter.

Withdrawal privileges: Make up to three withdrawals per quarter with no fees. A $10 fee is charged for each withdrawal after three in a given quarter.


Money Market Accounts

Personal Insured Money Market Accounts (IMMA) earn interest at competitive money market rates with limited check-writing capabilty and unlimited in-person withdrawls.

Low minimum balance: Start your Money Market account with as little as $1,500. Maintain a minimum balance of $1,500, and there is no service charge. A monthly fee of $12.50 is charged for balances falling below $1,500 during the month.

Withdrawal privileges: Checks, preauthorized withdrawals, automatic transfers or telephone orders exceeding three per month are $5.00 each.

No matter what stage of life you are in, we can help you meet your short and long-term financial goals with a personal loan that fits your borrowing needs. Let the experienced financial specialists at Habersham Bank help you find the right loan product for you.


 

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