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FDIC

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

FDIC

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Personal Savings Accounts, IRAs & CDs

Great Relationships & Great Rates.

The Bank of Beaver City provides a premiere lineup of savings products to help you make the most of your money – and to help make it last. A well-designed savings account, certificate of deposit (CD) or IRA is always a smart investment in your future.

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This is What Local Savings Looks Like

Our different options feature various benefits and maturities with your needs in mind, and our personal bankers would love to assist you in finding the account to best fit your needs. Explore more below

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Kasasa Saver
Savings
Health Savings NOW Account
Certificates of Deposit
Individual Retirement Accounts (IRAs)

Kasasa Saver Savings Account Bank of Beaver City
Effortless Saving

Earn high rates with Kasasa Saver—no minimum balance.

Kasasa Saver Savings Account

Save more money with no extra effort. The Kasasa Saver offers a great rate of return and an automatic way to save more cash for customers meeting certain statement cycle qualifications.

Benefits

  • Pays a great rate of return on balances up to $10,000 for those meeting qualifications
  • Pays a very competitive rate of return on balances over $10,000 for those meeting qualifications

Qualifications

To qualify for “Kasasa Saver” rates, the account must be linked to either a Kasasa Cash or Kasasa Cash Back account, for which you must perform the following during the statement qualification cycle:

  • Have at least 10 debit card purchases post and settle. (ATM processed transactions do not count towards qualifying debit card transactions)
  • Have at least one direct deposit of payroll or government benefit or ACH debit transaction (e.g. monthly insurance draft) post and settle.
  • Must receive statement electronically via online banking with notice given by email.
  • Must maintain valid email address. You will be required to notify the bank with any changes to your email address.

Requirements

  • No minimum balance to open the account
  • Personal accounts only
  • Linked to either a Kasasa Cash or Kasasa Cash Back
Learn MoreQualification Information*

The Bank of Beaver City Savings Account

A savings account is an important investment and an integral part of your overall financial plan. Whether you want an educational first account for a child’s lemonade stand money or a safe place to earn interest on your own nest egg, you can count on The Bank of Beaver City – a neighbor you can bank on.

  • No minimum balance to open the account
  • Pays a competitive rate of interest
  • No minimum balance to earn the disclosed annual percentage yield
Learn More
The Bank of Beaver City Savings Account
The Bank of Beaver City Savings Account OK
Health Savings NOW Account Bank of Beaver City
Save for Health

Manage medical expenses with tax benefits and no minimum balance.

Health Savings NOW Account

A health savings NOW account is a tax-favored account used to pay or reimburse qualified medical expenses.

Benefits

  • No minimum balance to open
  • Pays a competitive rate of interest
  • Unlimited check writing
  • Free MasterCard® debit card

Requirements

  • Must be an eligible individual to open the account
  • Must already have in place a qualified high deductible health plan
  • Maintain a $750 average daily balance during the statement cycle to avoid a monthly service charge and obtain the disclosed annual percentage yield
Learn More

Certificates of Deposit

A certificate of deposit is one of the safest investments you can ever make, because the money you invest is insured by the FDIC up to insurance limits. You also receive a guaranteed return on your money, so long as you don’t withdraw it early.

Benefits

  • Terms from 30 days to 36 months
  • Pays a competitive rate of interest

Requirements

  • $1,000 to open the account
  • CDs for less than $2,500 must be written for at least one year
  • Penalty for early withdrawal
Learn More
Certificates of Deposit Bank of Beaver City
Guaranteed Returns

Invest securely with FDIC-insured CDs and flexible terms.

Individual Retirement Accounts (IRAs)

The best time to start saving for your retirement is now, not only because it gives you more time to put savings in the bank, but because the sooner you start, the more compound interest can grow on your investment. At The Bank of Beaver City, we’ll be happy to assist you in opening either a traditional or Roth IRA, and advise you on how to best plan financially for this phase of your life.

You can roll over any eligible distributions from an employer-sponsored retirement plan to an IRA.

Traditional IRA

A traditional IRA earns a competitive rate of interest to help you save for a comfortable retirement.

Benefits

  • Your contribution(s) may be tax-deductible
  • Earnings grow tax-deferred
  • No minimum balance to open the account
  • Variable rate of interest subject to change quarterly

Requirements

  • At least 18 years old and have earned income to open an account
  • Distributions are generally taxable in the year received and may be subject to 10% early withdrawal penalty if you are under 59 and a half.
  • Withdrawals are mandatory by age 70 and a half
  • Penalty for early withdrawal
Learn More

Roth IRA

A Roth IRA earns a competitive rate of interest to help you save for a comfortable retirement.

Benefits

  • Contributions are not tax deductible
  • Earnings grow tax free
  • Principal contributions can be withdrawn any time without a penalty (subject to exceptions)
  • No mandatory distribution age
  • No minimum balance to open the account
  • Variable rate of interest subject to change quarterly

Requirements

  • Contributions may be limited by the Adjusted Gross Income (AGI) phase-out range
  • You must be at least 18 years old and have earned income to open an account
  • Penalty for early withdrawal
Learn More

Education IRA

Higher education expenses continue to increase at a rate much higher than inflation. The Bank of Beaver City offers an Education IRA to help you start saving for a child under the age of 18 to fund eligible college expenses. A competitive rate of interest could help you meet these escalating college expenses.

Benefits

  • Earnings grow tax deferred
  • Withdrawals for qualified educational expenses may not be subject to tax
  • No minimum balance to open the account
  • Variable rate of interest subject to change quarterly

Requirements

  • Penalty for early withdrawal
Learn More
Individual Retirement Accounts Bank of Beaver City OK
Personal Checking Accounts

We offer a great variety of checking accounts, from absolutely free checking to accounts featuring rewards you’ll love.

Checking

Personal Loans

Whether you’re interested in an auto loan for that next big car purchase, a home mortgage or anything in-between, our loan officers are here to help.

Loans

Online Banking Solutions

With The Bank of Beaver City’s internet and digital banking options, you can handle just about any transaction from your own computer, tablet or smartphone.

Online Banking
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*Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Statement Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, “Statement Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the first day of the next statement cycle. When your Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle.

Kasasa Saver: When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Statement Qualification Cycle a great interest rate will be paid on the portion of your daily balance up to $10,000. A competitive interest rate will be paid on the portion of your daily balance that is greater than $10,000.

Kasasa Cash: a great rate of return is paid on the portion of your daily balance up to $10,000. A competitive rate will be paid on the portion of your daily balance that is greater than $10,000.

Kasasa Cash Back: You will receive a percentage of cash back on up to a limit on Mastercard debit card POS (Point of Sale) purchases that post and settle to the account during that cycle period.

When Kasasa Cash or Cash Back qualifications are not met, Kasasa Saver: A lower interest rate will be paid on the entire balance.

Kasasa Cash: A lower interest rate will be paid on the entire balance and ATM fees are not refunded. Kasasa Cash Back: No cash back payments are made, and ATM fees are not refunded.

*When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit, enrollment in online banking, receipt of electronic statements are conditions of this accounts. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons may be required to meet some of the account’s qualifications. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

Comparison Source: Savings, FDIC 02/16/2016 https://www.fdic.gov/regulations/resources/rates Member FDIC / Federally insured by NCUA. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.