Personal Savings & Investment Accounts

We offer a complete line of savings and investment options. Please discuss your savings needs 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
Six (6) debit transactions free per statement cycle
No service charge if account maintains a $2,500 minimum daily balance
$10 monthly service charge if balance is below the minimum

Statement Savings

Earn interest on collected balances – compounded daily and paid quarterly
No minimum balance required to earn interest
Six (6) withdrawals per quarter - $2 charge for each additional withdrawal 
No service charge if $200 minimum daily balance or $400 average monthly balance is maintained 
$6 service charge per quarter if balance is below the minimum
For customers 18 and younger, no minimum balance service charge. Must be joint account with parent, grandparent or guardian

Certificate of Deposit 

Variety of maturity dates available ranging from 90 days to 48 months
Maturity notice mailed ten days prior to maturity date 
Interest may be reinvested or deposited to another account

Individual Retirement Accounts (IRA)

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