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GSNB Personal Savings

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Personal Savings

At Great Southern, we understand the importance of savings plans to help our customers reach their personal financial goals or have cash reserves for unexpected emergencies. Whether you're saving for the long-term or just putting aside a little cash for the holidays, Great Southern has the perfect savings plan for you. Services and fees are subject to change. All deposit accounts are FDIC insured.

Savings Products:

Money Market Savings
A Money Market Savings account earns a rate of interest at the prevailing rate (subject to change at any time). Interest will be compounded and credited to your account every statement cycle. A monthly service charge of $5.25 will be assessed if the collected balance of your account falls below $1,500 on any day of the statement cycle. A total of 6 transfers or withdrawals payable to third parties are allowed per statement cycle at no charge. Items in excess of this limit per statement cycle will be assessed a charge of $10 each. (Federal law requires closure of accounts with over-limit check writing.) A $1,500 deposit is needed to open this account.

Money Market Plus Savings
A market rate savings account with limited check writing. A minimum balance of $10,000 is required to earn interest. Interest is not earned on the days your account balance is less than $10,000. Interest will be compounded and credited to your account on the monthly statement cycle date. A monthly service charge of $20 will be assessed if the collected balance in your account falls below $10,000 any day during the monthly statement cycle. A total of 6 transfers or withdrawals payable to third parties are allowed per statement cycle at no charge. Items in excess of this limit per statement cycle will be assessed a charge of $10 each. (Federal law requires closure of accounts with continuous check writing over the stated limit.) Deposit items in excess of 30 will result in an activity charge of $.07 per item. An opening deposit of $10,000 is required.

Daily Savings
This account offers a competitive rate of interest (subject to change at any time) that is compounded and credited to your account quarterly. Six (6) telephone transfers are allowed per month with unlimited over-the-counter withdrawals. A monthly service charge of $3 will be assessed if the collected balance of your account falls below $450 on any day of the statement cycle. There is no monthly activity charge unless the total number of credit items deposited exceeds 30, then a $.07 activity fee per item may be assessed. A $100 deposit is needed to open this account.

Regular Savings
A great way to begin planning for the future, this savings account offers convenience and flexibility as you save. With an initial minimum deposit of just $50, this account pays a competitive rate of interested (subject to change at any time), compounded and credited to your account semi-annually. There is no monthly charge for daily collected balances of more than $100. A $2.00 monthly maintenance fee is assessed if your balance falls below $100 on any day of the month. Up to two (2) withdrawals may be made each month at no charge. A $1 fee will be assessed for each withdrawal in excess of two (2) per month, regardless of balance. There is no monthly activity charge unless the total number of credit items deposited exceeds 30, then a $.07 activity fee per item may be assessed.

Student Savings
Teach good savings habits early by opening a Student Savings account for your child. Encouraging minors through age 18 to learn financial responsibility, this account pays a competitive rate of interest (subject to change at any time), compounded and credited to your account semi-annually. There is no minimum balance requirement, no monthly maintenance fee and no fee for withdrawals. Your account will automatically convert to our Regular Savings account at age 19.

Christmas Club
Christmas Club offers a structured plan for saving money on a regular basis. Deposit options ranging from $2 per week to $40 per week are available. Automatic transfer from your checking account to your Christmas Club account is available in increments of $5 per transfer. The automatic transfers may be done weekly, semi-monthly or monthly. A check for the balance of the account is mailed in November.

Certificates of Deposit
Certificates of Deposit accounts enable you to take advantage of higher interest rates based on market trends. With a minimum deposit of $500, we can structure a Certificate of Deposit from 30 days to 60 months to fit your individual needs. We offer competitive rates with interest compounded and credited quarterly.(Interest is compounded and credited at maturity for CDs maturing in less than one year.) You have a choice of receiving your interest by check, depositing it into an existing Great Southern account or adding it to your certificate. Please call for current interest rates.

Individual Retirement Accounts
An IRA is a special savings plan that lets you put aside money you earned today to be used later for your retirement. We offer Traditional IRAs with tax deferred earnings, Roth IRAs with tax free earnings, and Education IRAs with tax free earnings. See us for more details!

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