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Personal Products > Savings Accounts


Checking Accounts | Preferred Rewards™ | Savings Accounts

Savings Account
  • Competitive interest rate paid quarterly (Rate may vary at the discretion of the bank.)
  • $1.50 quarterly service charge waived if a balance of $100 is maintained for the quarter
  • 9 free debits/withdrawals per quarter*
  • $100 minimum to open
Minor Savings
  • For customers 18 years of age and under
  • Competitive interest rate paid quarterly (Rate may vary at the discretion of the bank)
  • 75¢ quarterly service charge waived if a balance of $50 is maintained for the quarter
  • 9 free debits/withdrawals per quarter*
  • $50 minimum to open

    *Withdrawals or transfers from a Savings Account or a Minor Savings account are limited by regulation to 6 per month with no transfers by check, draft, debit card or similar order to third parties. A transaction fee of $1 is charged for each debit transaction in excess of 9 during the statement cycle.
Certificates of Deposit (CDs)
  • Choice of maturities ranging from 3 months to 6 years*
  • Competitive interest rates fixed for the term of the CD
  • Convenient interest payment choices including payment to your checking account
  • Interest compounding based on the term
  • $1,000 minimum to open
Individual Retirement Accounts (IRAs)
  • Choice of CD maturities ranging from 3 month to 6 years*
  • Competitive interest rates- fixed for the term of the CD or variable on the 18 month term
  • Periodic distribution for eligible individuals available by check or transfer to another account
  • Interest compounding based on the term
  • $100 minimum to open

    *Early withdrawal penalties may apply based on the term of the Certificate of Deposit or IRA
Christmas Club Savings
  • $10 minimum to open
  • No service charge
  • A check for the balance plus the interest is conveniently issued in November each year - just in time for your Holiday shopping
  • Competitive interest rate paid annually in November (Rate may vary at the discretion of the bank)
  • Deposits to the account can be set up as automatic transfers. No withdrawals are allowed prior to the November payment

For specific account disclosures please refer to the applicable disclosure statement (“Deposit Agreement and Disclosure”) which was given to you at account opening.

Interest Checking, Insured Money Market & Savings Rates

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Old Missouri Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.