Personal Savings & Investment Accounts

It always makes good sense to save money, and the sooner the better. Through the compounding of interest and the availability of a variety of tax strategies, your savings can grow to meet your lifestyle goals. The sooner you begin a regular savings and investment program, the better your chances of reaching your financial goals.

We offer a complete line of savings and investment options. Please discuss your savings need with a Personal Banker, who will provide you with a complete disclosure and current interest rates on all our savings and investment products.

Money Market Account

  • Earn interest on collected balances, compounded daily and paid monthly
  • Tiered interest rate structure – higher balances earn higher rates
  • No service charge if account maintains a $2,500 minimum daily balance
  • $10 monthly service charge if balances are below the minimum
  • Six (6) debit transactions free per statement cycle

Statement Savings

  • Earn interest on collected balances, compounded daily and paid quarterly
  • No minimum balance required to earn interest
  • No service charge if minimum daily balance of $200, or an average monthly balance of $400
  • $6 service charge per quarter if balances are below the minimum
  • Six (6) withdrawls per quarter, $2 each excessive withdrawl

For customer 18 and younger, no minimum balance service charge. Must be joint with parent, grandparent or guardian.

Certificates of Deposit

  • Variety of maturity dates available ranging from ninety (90) days to forty eight (48) months
  • Maturity notice mailed ten (10) days prior to maturity date
  • Interest may be reinvested or deposited to another account
  • $1,000 minimum deposit required to open

Individual Retirement Accounts

  • Invested in Pinnacle Bank certificates of deposit
  • Contributions may be tax deductible, please consult your tax advisor
  • Options include:
    • Traditional IRA – interest earned tax-deferred
    • ROTH IRA – interest earned non-taxable

Contact us at 864.233.6915 if you need further help.

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Pinnacle Bank wants you to ask President and CEO David Barnett your banking questions.