Capital City Bank
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College Planning Calculator

Savings Calculator

Retirement Calculator

When it comes to the money you save, you want security and earning potential. At Capital City Bank, we give you that and so much more. When you meet with us, we’ll ask you what you want your money to do. Then we’ll put it to work for you. Whether it’s for your children’s education fund, retirement or a down payment on your first home, Capital City Bank associates partner with you to reach your financial goals by providing savings options, smart planning and dedicated service.
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Personal Savings Quick Reference Chart


Click on Account Name for More Details
Traditional Savings
Money Market Savings
Investors Choice Money Market
Young Savers
Minimum to Open
$100
$100
$10,000
$25
Monthly Maintenance Fee
$5.00
$10.00
$15.00
None
Minimum Balance to Waive Maintenance Fee
$300
$1,000
$10,000
None
Interest

Variable rates


Compounded monthly

Paid monthly

Variable tiered rates

Compounded monthly

Paid monthly

Variable tiered rates

Compounded monthly

Paid monthly

Variable rates


Compounded monthly

Paid monthly

Statement
Quarterly
Monthly
Monthly
Quarterly
Withdrawal Fee
3 per month free; $2 each after 3
6 per month free; $5 each after 6
6 per month free; $5 each after 6
3 per month free; $2 each after 3
ATM Access
Free at Capital City Bank ATMs
Free at Capital City Bank ATMs
Free at Capital City Bank ATMs
Free at Capital City Bank ATMs
Special Features
Can be used for overdraft protection.1
Six debit transactions allowed per statement cycle.1
Six debit transactions allowed per statement cycle.1



Traditional Savings

A Traditional Savings account is easy to understand and easy to maintain. Chances are when you think of a savings account, the features that come to mind are those of Capital City Bank's Traditional Savings account. Watch your money grow with this basic savings account.

Minimum to Open $100
Monthly Maintenance Fee $5.00 unless a minimum daily balance of $300 is maintained
Interest Paid Monthly
Statement Quarterly
ATM Access Free at Capital City Bank ATMs
Withdrawal Fee 3 per month free, $2 per withdrawal over three

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Money Market Savings

Money Market Savings helps you get more from your money by offering greater flexibility. The interest rate is tiered allowing you to earn a greater rate of return as your balance builds. You also have the flexibility to make up to six transfers per statement cycle.

Minimum to Open $100
Monthly Maintenance Fee $10.00 unless a minimum daily balance of $1,000 is maintained
Tiered Interest Rate Yes
Interest Paid Monthly
Statement Monthly
ATM Access Free at Capital City Bank ATMs
Withdrawal Fee 6 per month free, $5 per withdrawal over six
Limitations1
Six debit transactions allowed per statement cycle.

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Investors Choice Money Market Savings

Investors Choice Money Market Savings is designed for people who want a premium interest rate, immediate access, the convenience of a savings account and the security of FDIC insurance. You may make up to six transfers per statement cycle.

Minimum to Open2 $10,000
Monthly Maintenance Fee $15.00 unless a minimum daily balance of $10,000 is maintained
Tiered Interest Rate Yes
Interest Paid Monthly
Statement Monthly
ATM Access Free at Capital City Bank ATMs
Withdrawal Fee 6 per month free, $5 per withdrawal over six
Limitations1
Six debit transactions allowed per statement cycle.

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Young Savers

Young Savers is designed especially for savers 18 and under. This account gives young people the financial edge they need to save for the future.

Minimum to Open $25
Monthly Maintenance Fee None as long as account holder is 18 years of age or under
Interest Paid Monthly
Statement Quarterly
ATM Access Free at Capital City Bank ATMs
Withdrawal Fee 3 per month free, $2 per withdrawal over three

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Planned Savings

Planned Savings helps you reach your goals efficiently and effortlessly. An automatic deposit plan can be set up for any Capital City Bank savings account. Capital City Bank Planned Savings is a perfect way for young families to start building a nest egg, or for grandparents to fund their grandchildren's future. By setting aside a pre-set amount each month you make it easy to develop a savings habit designed for long-term growth.


1Federal regulations prohibit you from making more than a total of 6 transfers each month to other accounts from a savings or money market account (including transfers to another account for overdraft protection) or to third p
arties each month by check, preauthorized or automatic agreements, telephone, or electronic and online transfers.
  See your account agreement for more information.  Other limits may apply to your account.

2Fees could reduce earnings on this account.  If the account balance falls below $10,000 at anytime during the statement cycle a $15.00 fee is charged and the rate will be reduced.

Fees could reduce earnings on the account.
Your interest rate and annual percentage yield may change at any time on your account.



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