| |
Personal Banking
|
|
Savings
Smart Options for SAVINGS & INVESTMENTS
Mountain State Bank offers you choices when it comes to investing your money. Whether you are saving for a new car, new home, college education or retirement, you’ll find a wide variety of ways to maximize your investments to reach your goals.
Everyone is different; some clients want to lock in a rate to increase the earnings and some clients want to have their funds readily available. You can reduce your rate risk by choosing accounts that have a fixed rate return or that pay rates that adjust according to economic conditions. Additionally, you can choose to earn bonus interest rates when you maintain larger balances in your account. And of course, FDIC insurance provides peace of mind that your funds are safe and secure.
Mountain State Savings
Open your Mountain State Savings Account today and enjoy peace of mind. Your money will always be with convenient reach and your account will be insured by the FDIC. You’ll receive quarterly statements showing the interest earned. Interest is compounded and credited quarterly.
- No minimum balance to earn interest
- Three withdrawals allowed per statement cycle
Peak Investment Account
Available to individuals, this investment account allows you easy access to your funds with checks or teller transactions. Even small balances earn interest on every dollar. And, best of all, your funds are insured by the FDIC. Larger balances receive an even higher rate that adjusts to market conditions.
- $1,500 average daily balance to avoid a service charge
- Earn a premium rate at $10,000 average daily balance
- Earn a higher premium rate at $50,000 average daily balance
- Six withdrawals per statement cycle (three by check) at no charge (withdrawals are restricted by regulation)
- Monthly statement recapping all activity
Smart Business Investment Account
This account offers the same benefits as the Peak Investment Account with $2,500 average daily balance to avoid a service charge. You’ll earn the same premium rates on higher balances.
Certificates of Deposits
If you have funds of $500 or more to invest for terms of 7 days to 60 months, and want a higher return on your investment, consider a Mountain State Bank fixed rate certificate of deposit. Let us help you get the most for your money! Check out our very competitive rates.
Pinnacle Account
Mountain State Bank believes clients maintaining multiple accounts and, higher balances should be rewarded. This unique account for individuals offers special features and bonus rates to those maintaining a $10,000 average daily balance in any combination of deposits and/or consumer loans. It’s that simple. No keeping up with different types of deposits or loan accounts to qualify; just one total balance.
- Free standard bank checks
- Unlimited check writing
- Interest paid on average daily balances of $2,000 or more
- Bonus rates on CDs
- Discount on safe deposit box
- Discount on equity lines and closing costs
- Discount on consumer loans
- Lifetime annual “skip-a-payment” on consumer loans and equity lines
IRAs
Start saving for your future today! We offer Traditional, Roth, and Education IRAs. You can roll funds into your Mountain State Bank IRA from other qualified bank IRA plans. Your IRA at Mountain State Bank is invested in certificates of deposit earning highly competitive rates. And, your IRA is insured by the FDIC separately from your other accounts. You’ll save at Mountain State Bank because no brokerage fees or commission fees are charged. Come in and speak with one of our Client Service Specialists to hear more and see which term is right for you. |
|
Contact Us
The Dawson County Office
706-265-1001
The Forsyth County Office
678-513-1001
The Downtown Dahlonega Office
in Lumpkin County
706-864-2265
The Dahlonega/Hwy 400 Office
in Lumpkin County
706-864-2265
The Loan Office
in North Fulton County
678-417-1055
|
|
