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Focus Bank
offers a variety of savings plans including standard savings accounts,
certificates of deposit and individual retirement accounts. Add some
joy (and cash) to your holiday season with a Christmas Club account!
If you're still in school, our Junior Savings Account is designed
just for you! Whatever your plans for your money — vacation,
education, retirement — Focus Bank has the savings
account that will meet your needs and help you attain your goals.
Click on a savings account below for details.
Contact us if you would like more information or have
questions on any of our banking products and services.
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| Junior Savings Account |
This account is designed to help our young people under the age of 18 develop good savings habits.
- $5 Opening Deposit
- $ 1 Minimum Balance
- No Monthly Service Charge
- Interest Bearing
- Junior Savers Club Benefits
*See disclosure for details.
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| Statement Savings Account - SOS (Serious on Savings) |
This account provides a secure and easy way to build a nest egg. If the account falls below $100, a $3 per quarter service charge will apply. This account is also limited to 6 withdrawals per quarter or $1 service charge per withdrawal over 6 will apply. *
- $25 Opening Deposit
- $100 Minimum Balance
- Interest Bearing
- Free 24- Hour Telephone Banking
- Free Online Banking
*See disclosure for details.
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| All American Savings Account |
This account offers CD like interest rates all with the convenience and flexibility of a savings account. If the account falls below $1000, a $10 service charge will apply. In addition, if the balance falls below $10000, interest stops accruing.**
- $10,000 Opening Deposit**
- $1000 Minimum Balance
- Interest Bearing
- Free 24-Hour Telephone Banking
- Free Online Banking
*See disclosure for details
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| Christmas Club Account |
This account is the perfect way to save for the holiday season.
- $1 Opening Deposit
- No Minimum Balance
- No Monthly Service Charge
- Interest Bearing
- Transaction Limitations*
- Free 24-Hour Telephone Banking
- Free Online Banking
*See disclosure for details. 1 withdrawal allowed; 2nd forfeit interest & close account
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| Certificate of Deposit |
We offer Certificate of Deposits with competitive rates. CDs range from 6 months to 5 years. Interest accrues daily and is capitalized on a quarterly basis. Interest can also be paid monthly, quarterly or at maturity. CDs will automatically renew for customer convenience if the same maturity date is desired. Early withdrawal of the CD will result in a substantial penalty. |
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| Individual Retirement Account |
We offer Traditional, Roth, and Educational IRAs with competitive rates, which provide tax-sheltered savings. IRAs have maturity dates varying between one and three years. Early withdrawal of the IRA could result in a substantial penalty. |
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