Savings - Regular Savings Account.

Personal Savings

For a secure future

Whether it's a special trip, a growing family, college tuition or retirement, you can be ready for anything with savings and investment accounts from River City Bank.

We offer long and short-term certificates of deposit, as well as a variety of savings accounts for every member of the family. Browse here to find the savings account that works best for you.

Open an Account

Product	Minimum Opening Deposit	Interest Rate	Minimum Daily Balance to Avoid Maintenance Fee	Maintenance Fee/Excessive Withdrawal Fee
Savings Account Comparison
Regular Savings	$100	Variable interest rate, compounded daily and paid quarterly.	$500 account / $10,000 combined average daily balance	$3 ($9/quarter)/ $15 excessive withdrawal fee. ⁽¹⁾
Money Market Account	$5,000	You will earn interest on daily collected balances of $5,000 or more. Compounded daily and paid to your account monthly.	$5,000	$10 per month/ $15 excessive withdrawal fee. ⁽¹⁾
Liquid CD	$1,000	Interest is compounded daily and paid to your account quarterly.	$2,500	$10
Certificate of Deposit (CD)	$10,000	Interest is compounded daily and paid monthly, quarterly, annually or at maturity.	N/A	N/A
IRAs & Roth IRAs	$2,500	Interest is compounded daily and paid to your account at least annually	N/A	$20 annual trustee fee*

*See details and disclosures by clicking on type of account.

Account terms and conditions disclosure
(1) Federal Regulation D requires banks to limit the way withdrawals may be made from a savings account. Preauthorized withdrawals (transfers by phone, wire or personal computer, overdraft protection, automatic payment, check) are limited to a combined total of six per account cycle. There is a $15 fee for each preauthorized withdrawal in excess of these limits. If withdrawal limitations are exceeded three times in 12 cycles, the account will be closed, or converted to a checking account.