piggy banking

Savings



Automatic transfers and distributions make saving for an event or occasion easy.

 
Savings Club features and benefits:
  • Minimum $10 opening deposit
  • No maintenance fee
  • Optional automatic savings program
  • Automatic distribution of funds on the first business day of the month you choose (February, May, August or November) by check or account transfer*
  • Interest compounded daily and paid annually on the last business day before your chosen distribution date
  • Requires a Capital City Bank personal checking account

Higher-earning savings account with low or no account fees.


Everyday Savings features and benefits:
  • No monthly service charge with minimum daily balance of $500; otherwise, $5 per month
  • Tiered higher-yield interest rates
  • Interest compounded daily on daily collected balances of $500 or more and paid on the last day of the calendar quarter


Minor Savings

Ideal account for starting out young savers.

Minor Savings features and benefits:

  • Custodial account opened in accordance with the Uniform Transfers to Minors Act
  • No minimum balance
  • No monthly service charge
  • Only $50 minimum opening deposit
  • Interest compounded daily on daily collected balances and paid on the last day of the calendar quarter
  • Up to age 19+
Contact a banker to open an account.
 
 

Evolve Savings

The definitive account for honing savings skills and being better prepared for the future.
 
Evolve Savings features and benefits:
  • Only $50 opening deposit
  • Link to Evolve Checking for Making Cents transfers1
  • Interest-earning on $200 balance or greater2
  • No monthly service charge
  • Available for ages 18 to 253

 

Level Up Savings

Start building smart-savings skills with the right savings account for teens ages 13-17.

Level Up Savings features and benefits:
  • Only $50 opening deposit
  • Joint ownership with parent or guardian
  • Link to Level Up Checking for Making Cents transfers with 2% match4
  • Interest-earning on $200 balance or greater2
  • No monthly service charge
  • Available for ages 13 to 175
  • Free access to Level Up Financial Knowledge Center

Higher-yield accounts for more advanced saving goals.


Money Market Accounts 
  • Key feature: Investment combined with flexibility
  • Earns interest at competitive market rates without the associated risks
  • Access your money at any time
  • No monthly service charge with minimum daily balance of $4,000; otherwise $15 per month
  • $4,000 minimum opening deposit
  • Interest is compounded daily on daily collected balances of $4,000 or more and paid on the last day of the statement period
See a banker to open a Money Market Account
Premium Money Markets Accounts
  • Higher-yield account for larger consumer investors
  • Tiered higher-yield money market rates
  • No monthly service charge with minimum daily balance of $25,000; otherwise $15 per month
  • Free money orders or cashier's checks
  • Free notary service or signature guarantee
  • Free Capital City Bank custom checks
  • $25,000 minimum opening deposit
  • Interest is compounded daily on daily collected balances and paid on the last day of the statement period
See a banker to open a Premium Money Market Account
Certificates of Deposit (CDs)
  • Key feature: Guaranteed rate of return no matter how much the market fluctuates
  • $1,000 minimum opening deposit
  • Choice of term lengths
  • Varying terms for maturities with compounded interest
  • Interest compounded daily and paid monthly, quarterly or at maturity
  • Early withdrawal penalty
See a banker to open a CD
Individual Retirement Accounts (IRAs)
  • Key feature: Long-term savings  for retirement goals
  • Four types available: Traditional, Roth, SEP and Educational IRAs
  • Retirement and financial planning assistance
  • Minimum opening deposits and taxable contribution limits vary
See a banker to open an IRA


 Savings Club Everyday savings Evolve savings level up Savings
Opening deposit requirement  $10
 $50 $50 $50
Minimum daily balance requirement None $500 None None
Monthly service charge FREE
 No monthly service charge if meeting minimum daily balance requirement; otherwise $5
 FREE FREE
Other requirements
 Personal checking account
  
Joint ownership with parent or guardian
Making Cents round-up savings service √1 √1 √1 √ Includes 2% match4
Automatic disbursement √*


Interest compounded Daily Daily
(On daily collected balances of $500+)
 Daily
(On daily collected balances of $200+)2		 Daily
(On daily collected balances of $200+)2
Interest paid Annually Quarterly Quarterly Quarterly
Additional

Available for ages 18-253
Available for ages 13-175
 

Minor Savings+ money market CD ira premium money market
Opening deposit requirement $50 $4,000 $1,000 Varies by type $25,000
Minimum daily balance requirement None $4,000

$25,000
Monthly service charge FREE No monthly service charge if meeting minimum daily balance requirement; otherwise, $15 FREE FREE No monthly service charge if meeting minimum daily balance requirement; otherwise, $15
Interest compounded Daily Daily
Daily
  
 Daily
Interest paid Quarterly Monthly Monthly, quarterly or at maturity
Monthly
Fees/Penalties

Early withdrawal penalty $50 fee to close prior to maturity
Additional
Funds are easily accessible
 Choice of term lengths
Retirement and financial planning assistance
 Free custom checks, money orders or cashier's checks, and notary service or signature guarantee