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Personal Savings

Club Savings

  • $50 minimum deposit to open.
  • Account earns market interest rate on daily balances of $25 and above
    Interest is compounded and credited into the account semi-annually
  • 3 free withdrawals per quarterly statement cycle, $2 item charge for each additional withdrawal

Christmas Club Savings

  • $50 minimum deposit to open.
  • Account earns market interest rate on daily balances of $25 and above
    Interest is credited into the account annually
  • 1 free withdrawal per six month period, $5 item charge for each additional withdrawal

Kids Club Savings

  • Offered to children age birth to 14.
  • $5 minimum deposit to open.
  • Account earns market interest rate on daily balances of $5 and above
    Interest is compounded quarterly and credited into the account quarterly
  • Free savings deposit/withdrawal slips
  • 3 free withdrawals per quarterly statement cycle, $1 item charge for each additional withdrawal
  • Additional interest paid on the child's one year Certificate of Deposit which must be done in the week of the child's birthday
  • Each child will receive a free Piggy Bank with the opening of the Kids Club account:
    • $5 minimum opening deposit - piggy bank
    • $50 account balance - pencil
    • $100 account balance - water bottle
    • $250 account balance - frisbee
    • $500 account balance - t-shirt
    • $1,000 account balance - activity bag

Classic Money Market Account

  • $5,000 minimum deposit to open
  • Account earns tier market interest rates
  • $10 monthly service charge if balance falls below $5,000 any time during statement cycle
  • 6 free withdrawals per monthly statement cycle. $5.00 item charge for each additional withdrawal

Personal Certificates of Deposit

Consider a West Central Georgia Bank certificate of deposit for your longer term investments. Choose from a variety of terms, from 91 days to 5 years. Our CD’s offer competitive interest rates and you can tell us how to pay your interest: monthly, quarterly, semiannually, annually, or at maturity.

The interest rate will vary according to the certificate term and there is a penalty for early withdrawal. Certificates of Deposit are FDIC insured.

Contact us for current rates at 706-647-8951, or come by and see a customer service representative at one of our locations.