Personal Savings Accounts

How would you like a wide variety of choices when it comes to saving your money? Capital Bank offers a personal savings account that allows easy access to your savings¹ and offers competitive interest rates² or a Kids Star Savers Account that allows your children to start their own savings account - and the bank makes the first deposit!

Interested in a higher interest rate? Invest in a Capital Bank Certificate of Deposit. With a variety of terms and a low minimum balance to open - it is the perfect investment for you and your family.

Need to start saving for retirement? A Capital Bank Individual Retirement Account (IRA) may be exactly what you're looking for. Plus we offer both Traditional IRA's and Roth IRA's - see the features and benefits of each below. To see all of our available personal services, click here.

Personal Savings Account

Only $100 deposit to open account
Interest accrues daily and is paid quarterly
Deposits and withdrawals can be made through Capital Bank ATMs
No charge for the first three withdrawals per quarter
Competitive interest rates earned on as little as $100
Free notary services
Free 24/7-account access with Capital Bank's Capital Connection and eBanking online.

Kids Star Savers Account

Starts a savings fund for minors
Initial $5 deposit made by the bank
Interest accrues daily and is paid quarterly
No charge for the first three withdrawals per quarter
No term or early withdrawal period
Quarterly statement
Free 24/7-account access with Capital Bank's Capital Connection and eBanking online.

Certificate of Deposit

Minimum $500 to open
Wide range of investment terms
FDIC insured to $100,000
Interest can be paid monthly, quarterly or at maturity
Competitive interest rates
Higher rates paid for large dollar CDs

Individual Retirement Account (IRA)

Minimum $300 - $1,000 to open
Traditional and Roth IRA's available
Various terms available
Competitive interest rates
Interest credited/paid monthly, quarterly or annually
Reinvest easily with automatic renewal at maturity

What is the difference between a Traditional IRA and a Roth IRA? Click here to find out

¹Personal Savings Account and Kids Star Savers Account are limited to three withdrawals per quarter. A fee will be charged for any withrawals over three in one quarter. See our Additional Account Services brochure for details. ²Interest rates are subject to change. Please contact the bank for the most current interest rates.