Savings

Eagle Savings account

Our competitive rate makes saving easy.

  • A quarterly maintenance fee is assessed only if balance falls below $100. Ask how you can get the maintenance fee waived
  • Competitive interest rate
  • Quarterly statement of account activity
  • Unlimited access to cash in person, via mail or ATM

Swift! Savings account

Learning to save at an early age is important.

  • Earns interest
  • Easy-to-read quarterly statement
  • No minimum balance/no fees for children under 18

Holiday Savers account

We’ll help you save for holiday expenses.

  • Make payments in any amount
  • Earn a competitive interest rate
  • Checks mailed or deposited in November

Money Market account

The more you save, the more you earn.

  • Unlimited deposits and withdrawals in person or via mail
  • Six pre-authorized automatic transfers allowed per monthly cycle (three by check)
  • A monthly maintenance fee is assessed only if balance falls below $999

Excel Money Market

Rates are adjusted weekly and vary according to balance.

  • Unlimited deposits and withdrawals in person or via mail
  • Six pre-authorized automatic transfers allowed per monthly cycle (three by check)
  • A monthly maintenance fee is assessed only if balance falls below $10,000

Certificate of Deposit (CD)

We offer a variety of rates and terms on CDs.

  • Invest your money for a length of time that is appropriate for you
  • Interest rate is guaranteed for the term of your certificate
  • A CD can be opened with just $500

Individual Retirement Account (IRA)

Start planning for your retirement today.

  • Traditional and Roth IRAs (fixed or contributory)
  • The interest you earn may be tax deferred
  • Your contribution may be tax deductible
  • Choose your own investment and term

Education Savings Account

A Coverdell Education Savings Account can help you pay for your child’s education.

  • Allows total after-tax contributions of $2,000 per year for each child under 18
  • Contributions and subsequent earnings are tax free when withdrawn to pay for qualified education expenses
  • Qualified expenses include tuition, fees, books, supplies and equipment for students in grades K-12 and college

Health Savings Account (HSA)

A Health Savings Account (HSA) is a special account owned by an individual like an Individual Retirement Account (IRA) except that the funds are used to pay for current and future health care costs on a tax-free basis. The HSA is used in combination with a High Deductible Health Insurance Plan (HDHP).

  • Interest-bearing account
  • Funds are permanent and portable
  • Debit card allows for convenient access to funds


Note: Please refer to our schedule of service(s) and fees for complete information. Some restrictions apply. Includes transfers made online with other Independent Bank accounts. Consult your tax advisor for details.