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 e-statements and low or no account fees.
Everyday Savings 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 savings accounts with higher balances.
Basic Savings 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 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+
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
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
- $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^ |
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| Automatic transfer option |  |
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| Automatic disbursement | * |
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| Interest compounded | Daily | Daily (On daily collected balances of $200+) |
Daily (On daily collected balances of $500+) |
Daily |
| Interest paid | Annually | Quarterly | Quarterly | Quarterly |
