Savings

From simple to sophisticated savings instruments, there’s an account that’s sure to fit you.

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
  • Unlimited access to cash in person, via mail or ATM

Swift! savings account

Learning to save at an early age is important.

  • Earns interest
  • 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
  • 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
  • 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    free when withdrawn to pay for qualified education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

Free is here

Learn more about our personal checking accounts, including free checking account options.



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.