PERSONAL SAVINGS ACCOUNTS
MONEY MARKET SAVINGS
A SIMPLE SAVINGS ACCOUNT TO HELP YOU SAVE MONEY CONSISTENTLY.
• $100 minimum to open
• $2 monthly service fee if balance falls below $100
• Automatically transfer from your Adams Bank & Trust checking account
• Tiered interest rates based on account balance
Up to $1,499.99
$1,500–$4,999.99
$5,000–$9,999.99
$10,000–$24,999.99
$25,000–$49,999.99
$50,000 and up
Visit abtbank.com for current interest rates.
• Service fee waived for those under 18 years, or under age 24 with college card
• First 3 withdrawals per month are included 1
1 Each additional withdrawal after the first 3 per month is assessed a fee of $1 per withdrawal. Maximum of 6 withdrawals per month
YOUR FOUNDATION FOR FINANCIAL SUCCESS
CERTIFICATES OF DEPOSIT
EARN A HIGHER RATE IF YOU DON'T NEED TO ACCESS YOUR FUNDS IMMEDIATELY. 2
• Flexible terms ranging from 6 to 60 months
• $500 minimum to open
• Contact your relationship banker for more information about laddering your CDs to get the maximum returns with the most flexibility
ELIMINATE THE "WHAT IF" WHEN IT COMES TO INTEREST RATES WITH A 30-MONTH UPGRADE CD.
• $2,500 minimum to open
• Tiered interest rates based on account balance
Up to $9,999.99
$10,000 and up
• Increase your rate up to two times during the 30-month term †
† You may elect to upgrade the interest rate on your certificate to our then current stated interest rate twice during the term of the Upgrade CD. After the interest rate upgrade, the new interest rate will apply to the entire balance on the deposit for the remainder of the term or until the next upgrade. Additional deposits of at least $500, not to exceed double the original principal or renewal value may be made at the time of interest rate upgrade. Early withdrawal penalty equal to six (6) months interest may apply. Product not available for Public Funds or Financial Institution Deposits.
AN FDIC-INSURED, SAFE WAY TO SAVE FOR RETIREMENT WITH STEADY RETURNS. 3
INDIVIDUAL
RETIREMENT
ACCOUNT (IRA)
• $500 minimum to open
• Roth IRA
• Traditional IRA
• One-time $25 account establishment fee 4
HEALTH SAVINGS ACCOUNT
SAVE FOR FUTURE MEDICAL EXPENSES FOR YOURSELF AND YOUR COVERED DEPENDENTS. 3
• $100 minimum to open
• $3 monthly service fee
• Make deposits on a federal tax free basis 3
• A qualified high deductible health plan (HDHP) is required to establish a health savings account (HSA)
• One-time $25 account establishment fee 4
A SOLUTION IF YOU HAVE OVER $250,000 IN CASH SAVINGS.
• Your principal and interest will receive multi-million dollar FDIC insurance
• Enjoy the convenience of one rate, one statement, one bank
ICS & CDARS
• Community investment
Your money can support lending opportunities in your community.
• CD level rates
Offers returns that compare favorably to alternative investments, including treasuries, corporate sweeps, and money market funds.
• Contact your relationship banker for more information
2 A substantial penalty may be imposed for early withdrawal on all Adams Bank & Trust CDs.
3 Consult a tax professional to maximize benefits.
4 The $25 account establishment fee is separate and in addition to the minimum opening deposit.
*Fees may reduce earnings.
YOUR FOUNDATION
FINANCIAL
8/2023
FOR
SUCCESS
SCAN QR CODE FOR OUR CURRENT RATES