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- SAVINGS
Your financial future is secure with West Milton State Bank.We offer savings services for everyone. Our knowledgeable Customer Service Specialists are here to help you make sound financial decisions for a worry-free future. At West Milton State Bank, we’re neighbors helping neighbors.
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Main Street Savings Account
- No minimum balance required to earn interest
- Tiered interest rates, paid monthly
- Three (3) free withdrawals permitted each statement period. Any additional withdrawals will be assessed a service charge.
- Minimum balance of $100 required to avoid maintenance fee
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Money Market Account
- Minimum balance of $2,500 required to open account and avoid maintenance fee
- Limited to six (6) debits per statement period. Any additional debits will be assessed a service charge.
- Tiered interest rates, paid monthly
- Junior Bankers Club (Must be 13 years or younger)
- Minimum balance of $5 required to open account; must have parent or guardian as co-owner
- No minimum balance required. Interest is earned on any balance in the account.
- Semi-annual drawings
- Semi-annual newsletter
- Periodic contests
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Market Share Investment Account
- Minimum balance of $25,000 required to open account
- Minimum balance of $2,500 required to earn interest and avoid maintenance fee
- Limit of one (1) check or telephone withdrawal per calendar quarter. Any additional withdrawals will be assessed a service charge. ONLY the monthly compounded interest may be withdrawn on a recurring basis without penalty.
- Tiered interest rates, paid monthly
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- Certificates of Deposit
- Terms range from 91 days to 60 months
- Minimum deposit of $500 required for all terms
- Tiered interest rates, depending on Certificate of Deposit balance
- Automatic renewal at maturity
- Flexible interest payment options
- Penalties may apply for early withdrawal
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Individual Retirement Accounts
- Traditional, Roth, and Coverdell available
- Terms range from 12 months to 60 months
- Minimum deposit of $100 required for 12-month term
- Minimum deposit of $500 required for terms greater than 12 months
- Tiered interest rates, depending on Individual Retirement Account balance
- Automatic renewal at maturity
- Make deposits any time, or automatically transfer an amount from another account, not to exceed government limits
- Interest compounded semi-annually and at maturity
- Penalties may apply for early withdrawal
- Customers are encouraged to contact a tax consultant regarding tax advantages
Club Accounts
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Full disclosure information, current interest rates, and annual percentage yields (APYs) are available from a Customer Service Specialist. Fees may reduce earnings.
- Other Available Services:
- Free ATM Card
- Free Telephone Banking
- Free Internet Banking
- Free consultation with our Investment Department
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