Set aside funds today with an account specially designed for just that purpose. We offer competitive interest rates and a variety of other benefits.
|Features||Real Saver||Savings||IRA||CD||Money Market||Christmas Club|
|Minimum Opening Deposit||$1||$100||$1,000||$1,000||$2,500||$5|
|Monthly Service Charge||$0||$6
less than $300
less than $2,500
|No Charge OLB & Mobile|
|No Charge e-Statements|
|Early Withdrawal Penalty|
|Special Features||1.51% APY
Must be opened
with a Reward
for funds in
Once you’ve set up your REWARD Checking, you can get a second rate of return by getting a REALSaver Account from Gibsland Bank & Trust. Earnings are automatically transferred to this account where they earn 1.51% APY* each monthly qualification cycle. It’s a smart way to maximize your money!
Qualifying for the REWARD Checking rewards automatically qualifies you for the highest REALSaver rate too. To earn your rewards, simply do the following activities and transactions in your REWARD Checking account each monthly qualification cycle:
*APY=Annual Percentage Yield. APYs accurate as of 01/01/2014. Rates may change after account is opened. Minimum to open is $100 for GBT Hometown Rewards Checking and $1.00 for GBT Hometown REALSaver. For GBT Hometown Rewards Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 4.11%; and (3) balances over $15,000 earn 0.51% interest rate on the portion of the balance over $15,000, resulting in a range of 4.11% to 0.98% APY depending on the balance. If qualifications are not met on GBT Hometown Rewards Checking all balances earn 0.15% APY. Qualifying transactions must post to and settle GBT Hometown Rewards Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised GBT Hometown Rewards Checking APY is based on compounding interest. Interest earned in GBT Hometown Rewards Checking is automatically transferred to GBT Hometown REALSaver each statement cycle and does not compound. Actual interest amount paid may be less than advertised GBT Hometown Rewards Checking APY. The GBT Hometown REALSaver APYs may be less than GBT Hometown Rewards Checking APYs. If qualifications in GBT Hometown Rewards Checking are met each monthly qualification cycle: (1) balances up to $25,000 in GBT Hometown REALSaver receive an APY of 1.51%; and (2) balances over $25,000 in GBT Hometown REALSaver earn 0.51% interest rate on portion of balance over $25,000, resulting in a rage of 1.51% to 0.71% APY depending on the balance. If qualifications are not met on GBT Hometown Rewards Checking, all balances in GBT Hometown REALSaver earn 0.15% APY. Rates may change after the account is opened. Fees may reduce earnings. Other bank ATM fees will be calculated to the best of the bank’s knowledge based on the incoming data received from the bank’s EFT processor for fee refunds.
Start building your savings today with an interest earning Consumer Savings Account from GBT. Whether you’ve got a specific goal in mind, want a safety net account for emergencies, or are just saving for a rainy day, this account makes it easy.
Get an excellent interest rate and checking privileges too with this hybrid account. The Gibsland Bank & Trust Money Market Account offers you an easy way to make the most of your money without putting it somewhere out of reach, providing maximum return with maximum convenience!
Investing doesn’t have to be risky. Put your money in a CD and get a guaranteed return with no surprises. Each CD is insured up to the FDIC limit of $250,000, so you can relax knowing your money is safe and working hard for you.
No one knows what the future holds, but with an interest bearing IRA at Gibsland Bank & Trust you can know that you’re financially prepared for whatever lies ahead. Let our financial advisors help you set up an IRA that fits your long-term goals.