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Personal Finance » Savings

Personal Savings

For a secure future

Whether it's a special trip, a growing family, college tuition or retirement, you can be ready for anything with savings and investment accounts from River City Bank.

We offer long and short-term certificates of deposit, as well as a variety of savings accounts for every member of the family. Our Moola Moola Savings Club will help your kids learn and have fun while saving money. Our holiday Savings Club can help you plan for next year's big holiday shopping season. Browse here to find the savings account that works best for you.

Open an Account

Product	Minimum Opening Deposit	Interest Rate	Minimum Daily Balance to Avoid Maintenance Fee	Maintenance Fee/Excessive Withdrawal Fee
Savings Account Comparison
Regular Savings	$100	Variable interest rate, compounded daily and paid quarterly.	$500	$9 per quarter/ $15 for each withdrawal that exceeds Federal Regulation D limits. ⁽¹⁾
Inisured Money Market Account	$500	Earns interest with minimum daily balance of $1,000, or more. Variable interest rate compounded daily and paid monthly.	$2,500	$10 per month/ $15 for each withdrawal that exceeds Federal Regulation D limits. ⁽¹⁾
Holiday Savings Club	$25	Variable interest rate, compounded daily and paid annually at maturity, in November.	N/A	N/A
Moola Moola Savings Club for Kids	$25	Variable interest rate, compounded daily and paid quarterly.	N/A	N/A

*See details and disclosures by clicking on type of account.

Account terms and conditions disclosure
(1) Federal Regulation D requires banks to limit the way withdrawals may be made from a savings account. Preauthorized withdrawals (transfers by phone, wire or personal computer, overdraft protection, automatic payment, check) are limited to a combined total of six per account cycle. There is a $15 fee for each preauthorized withdrawal in excess of these limits. If withdrawal limitations are exceeded three times in 12 cycles, the account will be closed, or converted to a checking account.

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