Savings Accounts

Savings Account Types

With our Money Market account you can earn a competitive interest and maintain access to your funds.

  • No Monthly Service Charge when maintaining $2,500 Daily Collected Balance ($10 monthly Service Charge if balance requirement is not met)
  • Interest Paid on Daily Collected Balances of $2,500 or more
  • Interest is Compounded and Credited Monthly
  • Free Online Banking with Bill Pay
  • Free Monthly Image Statement (E-Statement Available)
  • Limited Transaction Account¹

Minimum Opening Deposit: $2,500

Transfers to another account or to third parties by preauthorized, internet, fax or telephone transfer, check, draft, debit card or similar order are limited to six per statement cycle.  In-person, by mail or messenger and ATM withdrawals are unlimited.

Your best plan for a rainy day begins with savings today.

  • No Quarterly Service Charge when maintaining a $100 Daily Collected Balance ($5 quarterly Service Charge if balance requirement is not met)
  • Interest Compounded Quarterly and Paid Quarterly on Daily Collected Balance
  • Free Online Banking
  • Free Quarterly Image Statement
  • Limited Transaction Account¹ (Three free withdrawals per quarter)

Minimum Opening Deposit: $100

Transfers to another account or to third parties by preauthorized, internet, fax or telephone transfer, check, draft, debit card or similar order are limited to six per calendar month. In-person, by mail or messenger and ATM withdrawals are unlimited.

Give your child their best future by teaching them to save and value money.

  • No Quarterly Service Charge or Minimum Balance
  • Special 5.00% APY¹ on balances up to $500; Regular Savings interest rate applies on balances over $500
  • Interest Compounded Quarterly and Paid Quarterly on Daily Collected Balance
  • Free Online Banking
  • Free Quarterly Image Statement
  • Limited Transaction Account² (Three free withdrawals per quarter)
    Converts to Regular Savings account when child reaches age 19

Minimum Opening Deposit: $10

APY = Annual Percentage Yield. A minimum new deposit of $10 or more is required to open a Kids Only Savings Account.  The account will receive 5.00% Annual Percentage Yield (APY) on balances up to and including $500. Balances over $500 receive 0.05% APY. APYs are accurate as of 06/08/2011 and are subject to change. Fees could reduce earnings on the account. Limit one per child.

Transfers to another account or to third parties by preauthorized, internet, fax or telephone transfer, check, draft, debit card or similar order are limited to six per calendar month. In-person, by mail or messenger and ATM withdrawals are unlimited.

CDs provide the best guaranteed return on your investment.

  • Flexible terms
  • Competitive interest rates
  • Receive your earnings by Compounding, Check or Direct Deposit into your FNB of Central Alabama Checking or Savings account
  • Renewal options are sent to you by mail

Low minimum investment of $500

Certificates of Deposit are subject to penalty for early withdrawal.

Planning for retirement is your best opportunity for a secure financial future. We can help you establish the appropriate Traditional, Roth or SEP IRA to secure your golden years, or perhaps a Coverdell Education IRA for your children or grandchildren.

If you have a 401K with your place of employment, you can “roll-over” all or any portion of your distribution into one of our IRAs upon termination of service and enjoy tax-deferred status.

  • Flexible terms
  • Competitive interest rates
  • Deposits can be made at any time
  • Annual account statements

Minimum Opening Deposit: $500

Must meet eligibility requirements. IRS may impose penalty for early withdrawal.

Give the best gifts by saving for that special time of year.

Account Features

  • Interest compounded and credited annually
  • Free Online Banking
  • Unlimited deposits
  • No withdrawals allowed before maturity
  • If account is closed before interest is credited the interest is forfeited

Minimum Opening Deposit: $5

Enhance My Account