Savings

 
 
Automatic transfers and distributions make saving for an event or occasion easy.
 
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 account with e-statements and low or no account fees.
 
Features and benefits:
  • No monthly service charge with minimum daily balance of $200; otherwise, $3 per month
  • Tiered higher-yield interest rates
  • Requires e-statements^
  • Interest compounded daily on daily collected balances of $200 or more and paid on the last day of the calendar quarter
 
Maximum earning potential for higher-balance accounts.
 
Features and benefits:
  • No monthly service charge with a minimum daily balance of $500; otherwise, $3 per month
  • Tiered higher-yield interest rates
  • E-statement or paper statement
  • Interest compounded daily on daily collected balances of $500 or more and paid on the last day of the calendar quarter
 
Ideal account for young savers starting out.
 
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+
 
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
  • Automatic transfer option
  • $4,000 minimum opening deposit
  • Interest is compounded daily on daily collected balances and paid on the last day of the statement period
  • Premium Money Market account available with $25,000 minimum opening deposit
See a banker to open a 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
  • Interest not compounded on certificates of $250,000 or more
  • Early withdrawal penalty
 
 
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
  • $25 charge for closing prior to maturity
See a banker to open an IRA

Savings Club Everyday savings Basic Savings Minor Savings+
Opening deposit requirement  $10
$50 $50 $50
Minimum daily balance requirement None $200 $500 None
Monthly service charge FREE
FREE if meeting minimum daily balance requirement; otherwise $3
FREE if meeting minimum daily balance requirement; otherwise $3
FREE
Other requirements
Personal checking account
E-statements^


Automatic transfer option black checkmark


Automatic disbursement black checkmark*


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


money market CD ira premium money market
Opening deposit requirement $4,000 $1,000 Varies by type $25,000
Minimum daily balance requirement $4,000

$25,000
Monthly service charge FREE if meeting minimum daily balance requirement; otherwise, $15 FREE FREE FREE
Interest compounded Daily
Daily
(Not compounded on certificates of $250,000 or more)
 
Daily
Interest paid Monthly Monthly, quarterly or at maturity
Monthly
Fees/Penalties
Early withdrawal penalty $25 fee to close prior to maturity
Additional Funds are easily accessible and automatic transfer option available
Choice of term lengths
Retirement and financial planning assistance
Free custom checks, money orders or cashier's checks, and notary service or signature guarantee