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Savings, CDs and Money Market

Simple Savings

A Simple Savings account is the perfect account for those who want an interest bearing savings account but don’t want a minimum balance. It is a simple yet effective way to meet your financial objectives through a savings plan.

Open with a minimum balance of only $50, receive these important benefits:

  • Interest compounds daily and is paid quarterly
  • Access to your funds with 24-hour ATM withdrawals
  • Check balance and transfer funds with 24-Hour Telephone Banking
  • FREE Online Banking and Bill Pay
  • Six withdrawals per quarter
  • Quarterly statement or monthly statement when consolidated with your checking account statement
  • Interest earned on any balance
  • Save money while earning interest on idle funds

Captain Summit Savings Account

Designed specifically for those who are 18 and under, Captain Summit Savings makes it easy for young people to get a head start on developing good savings habits. Opening with a minimum balance of just $1 will get you all these benefits:

  • Earns interest on collected balance, compounded daily and credited quarterly
  • No minimum balance required to earn interest
  • No service charge
  • Must be 18 or under to apply
  • Joint account with parent, grandparents or guardian
  • Earn interest on any balance
  • Six withdrawals per quarter
  • Quarterly statement or monthly statement when consolidated with a parent or guardian’s checking account statement
  • Children get a toy from the Captain Summit treasure chest for each deposit
  • Conveniently track savings with 24-hour Telephone Banking and Online Banking

Christmas Club

A Christmas Club account is perfect for anyone who wishes to put a little money away for the holiday season.


  • Deposits can be made at a branch or via online transfer
  • Set up automatic transfers from your checking account to be sure you meet your goals
  • Conveniently track savings with 24-hour Telephone Banking and Online Banking
  • We will mail a check to you each November for the full balance of your account
  • No service charges or minimum balance
  • Only $1.00 minimum balance to open

*Christmas Club accounts do not earn interest

Money Market

A Money Market account is an investment account that pays a higher market rate than traditional savings, yet doesn’t tie up your money in a Certificate of Deposit. It offers multiple tiers of interest based on the amount you have in your account. When you maintain a minimum daily balance of $2,500, there is no minimum balance fee. A $50 minimum balance requirement to open is all it takes to start earning market-level interest rates while taking advantage of these value-added features:

  • Interest compounds monthly and is paid monthly
  • Check balance and transfer funds with 24-Hour Telephone Banking
  • FREE Online Banking and Bill Pay
  • Up to six transactions per month

Certificates of Deposit

Earn additional interest with a fixed-rate time deposit. A Certificate of Deposit account pays interest over a selected time period, ranging from 7 days to 4+ years. You can choose from a variety of term options. With a Certificate of Deposit, you receive many interest options, including:

  • Interest paid at maturity (see account disclosures for details)
  • Interest may be reinvested into the CD or deposited into the customer’s existing account


  • Earns higher rate of interest
  • May set your own maturity date (within limits)
  • Terms may vary between 7 days and 4+ years
  • CD may be used as collateral for a loan
  • Minimum balance of $1,000 for a term of less than 12 months, or $500 for a term of 12 months or more.

*Penalties apply for early withdrawal


CDARS is the Certificate of Deposit Account Registry Service and it’s the most convenient way to enjoy full FDIC insurance on deposits of up to $50 million. With CDARS, you sign one agreement with Pinnacle Bank, earn one interest rate, and receive one regular statement. Your funds are deposited at institutions across the country and covered via each institution’s FDIC charter. To utilize the CDARS service, you must deposit at least $10,000 above FDIC insured deposit limits.


  • Full Insurance. Using the CDARS service, you can access up to $50 million in FDIC protection on CD investments.
  • One Rate. You earn one interest rate on CD investments placed through CDARS. With CDARS, there is no need to consolidate statements at the end of each month, quarter, or year.
  • One Statement. You receive one regular statement detailing your CD investments. You no longer need to consolidate statements at the end of each month, quarter, or year.
  • No Hidden Fees. There are no hidden fees of any kind. You will not be charged annual fees, subscription fees or transaction fees for using the CDARS service. The rate you see is the rate you get.
  • A Wide Variety of Maturities. You can select from various maturities – ranging from 4 weeks to 5 years (260 weeks) – and choose the terms that best suit your investment needs.

Health Savings Accounts (HSA)

Health Savings Accounts are tax-exempt trusts or custodial accounts established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse and your dependents.

If you meet one of the following requirements you are eligible for a Health Savings Account:

  • Have medical insurance coverage under an HSA-qualified “high deductible health plan” (HDHP)
  • Have no other first dollar medical coverage
  • Are NOT enrolled in Medicare
  • Cannot be claimed as a dependent on someone else’s tax return
  • Minimum amount to open of only $50

Account features:

  • Totally free interest-bearing checking account
  • MasterMoney® debit card for easy access
  • Monthly statement to easily track qualified medical expenses
  • IRS required reporting

Account benefits:

  • TAX SAVINGS – tax deductions when you contribute to your account
  • TAX-FREE earnings through investment
  • TAX-FREE withdrawals for qualified medical expenses

Systematic Saver

Savings is easy with a Systematic Saver account from Pinnacle Bank.

Whether you’re saving for a down payment on a new home or saving up for your next vacation, our Systematic Saver account will help make savings easy.

What makes it so easy? Well, we’re glad you asked. Open your account with as little as $25 and then we’ll help you set up weekly, every other week, or once a month automatic transfers from your Pinnacle Bank checking account to your new Systematic Saver. Once you open the account, you just have to sit back and watch your savings grow.

A Systematic Saver gives you the competitive interest rate of a Certificate of Deposit and the flexibility of a traditional savings account which allows you to make deposits over time.

12 Month Rate Riser CD

A 12 Month Rate Riser CD allows you to increase the interest rate on the CD to the current 12-month rate once during the term. This CD is only available for a 12-month term and has a minimum balance requirement of $500.


  • Allows customer to increase to the current 12-month rate once during the term
  • Protects customers from interest rate risk

Additional Information

  • Auto-renews to 12-month term
  • Customer receives notice before renewal and has a 10-day grace period to make changes
  • Certificates of Deposit subject to penalty for early withdrawal