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Personal Savings


Statement Savings Account

SGB’s Statement Savings account is easy to use and a great way to save for life’s unexpected, or expected, expenses.  Our Statement Savings Account offers you immediate liquidity.  All transactions appear on your statement.

  • Minimum Balance to avoid a service fee is $500 (does not apply to minors under the age of 18)
  • Minimum opening deposit is $100
  • $1 monthly service fee if minimum balance not met
  • Interest is paid on this account based on the daily balance method
  • 6 transactions per statement cycle
  • There is a $2.00 excessive item fee for each debit transaction (withdrawal, check paid, automatic transfer or payment out of account) in excess of six per month


Money Market Account

Our Money Market Deposit Account is an interest bearing account. Earn money on every dollar with interest paid on your account balance. Interest is compounded monthly and credited to the account every statement cycle. We use the daily balance method to calculate the interest on your account. The interest rate and annual percentage yield may change at any time. 

  • $2,500 minimum opening deposit
  • 6 transactions per statement cycle
  • There is a $2.00 excessive item fee for each debit transaction (withdrawal, check paid, automatic transfer or payment out of account) in excess of six per month
  • $3.50 monthly service fee if minimum balance not met. This fee is waived if you maintain a minimum daily collected balance of $1,000 or an average daily balance of $2,500 for the monthly statement cycle
  • All transactions appear on your monthly statement

  

Gold Money Fund

The Gold Money Fund is an account designed to provide individuals and businesses with daily access to cash while earning a competitive interest rate.

  • $250,000 minimum opening deposit
  • Custodial Trust Account tied to a checking account
  • $250,000 minimum balance
  • Funds automatically transfer to or from the tied account each business day to maintain the established target balance
  • Transfers are authorized and administered by written agreement
  • Lower of 13 week Treasury Bill or 5 year Treasury Note
  • Establish Target Balance
  • .20 basis points with a minimum monthly fee of $50
  • $50 low balance fee assessed for monthly balances less than the minimum
  • Funds are available daily
  • Monthly account statement
  • FDIC Insured

*For more information, contact SGB Wealth Strategies


Certificate of Deposit

Certificates of Deposit (CDs) allow you to lock in a fixed rate of interest for a specific period of time. You do not have access to your funds until the maturity date. SGB offers fixed-rate time deposits with rates based on market conditions and terms from 3 months up to 4 years.

  • There is a $5,000 minimum opening deposit
  • Our CDs are auto-renewing, meaning that you have 10 days from the date of maturity to make changes or redeem it. After 10 days, the CD auto-renews for the same term at the current rate
  • Any withdrawal from a time deposit prior to the maturity date will normally subject you to an early withdrawal penalty
  • Interest may be reinvested, credited to an SGB checking or savings account, or paid to you by check
  • Interest can be paid monthly, quarterly, semi-annually or annually. Interest is compounded and paid quarterly on CDs of one year or more
  • Simple interest is paid on CDs of less than a one year term. No statements are mailed — a 1099 tax form is issued annually