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FDIC-Insured - Backed by the full faith and credit of the U.S. GovernmentBusiness Savings Accounts
Savings
- Interest bearing account
- This account is limited to six withdrawals per quarter to avoid maintenance fees
Rate information
This is an interest bearing account. The interest rate and annual percentage yield are included in the Rate Chart. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account. We may change the interest rate on the account daily. Interest begins to accrue on the business day you deposit non-cash items (for example: checks). Interest will be compounded monthly and will be credited to the account monthly. If you close the account before interest is credited you will not receive the accrued interest.
Balance information
We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day.
Account fees
The following fee applies to this account
Excess Activity Fee: $1.00 for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of the account) in excess of six during the quarter. This fee will be described on your statement as: Withdrawal Fee.
Certificate of Deposit
Kearney Trust Company offers certificates of deposit that range from 31 days to 60 months. These are time deposits that guarantee a certain rate for a certain length of time. $100.00 minimum balance required.
Second Chance 30 Month CD
This certificate allows the interest rate be adjusted once during the 30 month time period. There is a $10,000.00 minimum to open this CD.
6 and 12 Month Add-on CD's
These CD's were designed with our younger investors in mind. It allows deposits to be made in $100.00 increments. This lets the kids in our kid's club save their money in their savings accounts and then transfer those funds over for a higher rate of return. No minimum balance required.
