Gold
Key Savings
Christmas Club
Vacation Club
Certificate of Deposit
Open a savings account that is readily accessible. If you need a simple convenient, day-to-day savings account, we suggest this account. You can make unlimited deposits. You can even have money directly deposited into your Gold Key Savings Account from your Rayne State Bank Checking Accounts. You should keep your account open for at least six months to avoid any penalties. Open with as little as $100.00.
| Deposit To Open |
$100 |
Minimum Balance to
Avoid Service Charge
|
$300 |
| Monthly Service Charges |
A monthly service fee of $2.50 will be imposed each month if the average daily balance in the account falls below $300.00. No monthly service fee will be charged if the statement is combined with the DDA statement or sent via E-Statement. |
| Transaction Limitations |
You may make no more than six withdrawals, including any combination of automatic, telephonic, or Internet transfers, ACH or other similar transactions, from your account per calendar month. All other types of withdrawals are unlimited. If you exceed these limits, a letter will be mailed explaining that either the account will be closed or account type changed to a transaction account. |
| Transaction Fee |
NONE |
| Interest & Method of Payment
|
A Tiered Interest Rate Structure. Interest is compounded and credited quarterly; the daily periodic rate is calculated on the average daily balance. |
| Statement Check Imaging |
N/A |
| 24-Hour ATM/Debit Card |
N/A |
| Telephone Voice Response |
Free |
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Begin making plans for next year's vacation, today. With our Vacation Club Account, you can afford it! Imagine yourself on that cruise you've been looking forward to or maybe it's that family trip to your favorite theme park. Wherever your destination may be, you'll be able to afford it when you put aside a little money throughout the year. You can even have money directly deposited into your Vacation Club Account from your Rayne State Bank Checking and Savings Accounts. And, when the time is right, just take out how much you need. Plus, you'll have the interest earned on your account to add to your vacation fund. Open with as little as $5.00.
| Deposit
To Open |
$5 |
Minimum
Balance to
Avoid Service Charge
|
NONE |
| Monthly
Service Charges |
NONE |
| Transaction
Fee |
|
Interest & Method of Payment
|
A Tiered Interest Rate
Structure. Interest is compounded and credited quarterly; the daily periodic rate is
calculated on the average daily balance. |
| Statement
Check Imaging |
N/A |
| 24-Hour
ATM/Debit Card |
N/A |
| Telephone
Voice Response |
Free |
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Saving now means extra spending money for the holidays - just when you need it most! Put aside a little each week, or month, and make next year's Christmas a little easier. You can even have money directly deposited into your Christmas Club Account from your Rayne State Bank Checking or Savings Accounts. In October, you'll receive the money you've gathered along with interest, just in time to start shopping! Open with as little as $5.00.
| Deposit
To Open |
$5 |
Minimum
Balance to
Avoid Service Charge
|
NONE |
| Monthly
Service Charges |
NONE |
| Transaction
Fee |
NONE |
| Interest
& Method of Payment |
A Tiered Interest Rate Structure.
Interest is compounded and credited quarterly; the daily periodic rate is
calculated on the average daily balance. |
| Statement
Check Imaging |
N/A |
| 24-Hour
ATM/Debit Card |
N/A |
| Telephone
Voice Response |
Free |
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Choose terms from 90 days to 5 years, with
interest rates guaranteed for the length of the term you've selected.
Interest is not compounded, but can be paid directly to you by check
or deposited into another Rayne State Bank account monthly, quarterly,
semi-annually or on an annual basis.
Whether it's a 90-Day CD or a 5-year CD, we can
fit your needs. You can even automatically renew your CD upon maturity
at new rates. Be sure to ask for any new promotions too!
Open with as little as $1000.00. Check out rates!
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