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Personal Savings

Interest is paid on all savings accounts and rate of interest may be changed at any time at bank discretion.


Consumer Savings

  • Minimum of $50.00 required to open account. 
  • Service Charge of $4.00 every quarter if balance falls below $50.00 any day of quarterly statement cycle. 
  • No more than 6 withdrawals or transfers to another account of yours or to a third party by preauthorized, automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card or similar order to a third party during any calendar month. 
  • Excessive fee of $4.00 charged for each debit transaction in excess of 6 withdrawals per quarter. 
  • Interest credited to account quarterly.


Money Market

  • Minimum of $2,500.00 required to open account 
  • Minimum balance requirements: 
  • To avoid monthly service charge, daily balance of $2,500.00 must be maintained 
  • Minimum daily balance of $2,500.00 must be maintained to obtain annual percentage yield. 
  • Monthly service charge of $10.00 if balance falls below $2,500.00 at any time during statement cycle. 
  • Excessive fee of $5.00 will be charged for each debit in excess of 6 per month 
  • Checks provided by bank for Money Market account.

Certificates of Deposit (CDS)

  • The Bank of Soperton offers fixed interest rate on terms from 6 months to 3 years. 
  • Minimum of $500.00 required. 
  • Interest payable monthly, quarterly, semi-annually or annually by check, deposit or add back to certificate. 
  •  Penalty for early withdrawal. 
  •  Single or Automatic renewal.

Individual Retire Accounts (IRAS)

  • Traditional IRA 
  • Roth IRA 
  • Minimum deposit of $100.00 required to open account, with minimum of $100.00 additional deposits 
  • Fixed interest rate
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