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| Basic Savings Certificates of Deposit CDARS Insured Cash Sweep |
Savings & Money Market AccountsThere just isn't anything like money in the bank. It's insured. It earns more money. It's available when you need it. It's a great way to grow your business whether you're 1 or 100. So, take that to our bank!A savings account can be opened with any deposit account. Click here to contact the branch nearest you. Basic SavingsA Basic Savings Account is a classic investment tool, which earns interest without a high balance requirement. You can make six withdrawals per month without a charge, and your account earns a competitive interest rate on all collected balances. A monthly fee of $5 is charged if the average daily balance falls below $100. Many customers link this account to a checking account to protect against a negative balance.
Contact the branch nearest you or click here to submit an application. MONEY MARKET SAVINGSA money market deposit account is a savings account that bears interest, and on which checks can be written, according to certain rules:
Contact the branch nearest you or click here to submit an application. Excel Money Market SavingsIf you’ve got the tidy sum of $10,000 that you want to keep liquid, then open this account. This is also the minimum balance required to acquire APY and this account has no monthly maintenance fee. You may make 4 free withdrawals per statement cycle. Beyond that there is a fee for each withdrawal. Complete account disclosures, with compounding interest, annual percentage yield and early withdrawal penalties, are available any time. Just ask.
Contact the branch nearest you or click here to submit an application. Certificates of DepositCertificates of Deposit (CDs) are similar to savings accounts in that they are FDIC insured and thus virtually risk-free. Unlike savings accounts, CDs have a specific, fixed term (often three months, six months, or one to five years), and, usually, a fixed interest rate. Also unlike savings accounts where a limited number of withdrawals are available, a CD must be held until maturity, at which time the CD can either be renewed or the money may be withdrawn together with the accrued interest.
Contact the branch nearest you for more information. CDARSCertificate of Deposit Account Registry Service (CDARS, pronounced "cedars") combines the convenience of working with one financial institution with the security of FDIC Insurance for amounts in excess of $250,000. Kirkpatrick Bank places customer funds into certificates of deposit issued by banks in our network in amounts below the standard FDIC insurance maximum. This means the principal and the interest earned are eligible for full FDIC insurance. Perfect for private investors, businesses, non-profit organizations.
Contact the branch nearest you for more information. Insured Cash Sweep (ICS)Insured Cash Sweeps (ICS) combine the convenience of working with one financial institution with the security of FDIC Insurance for amounts in excess of $250,000. Kirkpatrick Bank places customer funds into money market savings accounts with banks in our network in amounts within the standard FDIC insurance maximum. Customers can manage their accounts online.
Contact the branch nearest you for more information. |