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The Berlin City Bank LogoPersonal Savings

At The Berlin City Bank a penny saved is really much more than a penny earned.

 

Personal Savings & Investment Accounts

At The Berlin City Bank we understand and value the importance of saving money.  Whether

you're saving for retirement, your children's education, a special "big ticket" purchase or just

saving for a rainy day ... we have the investment vehicles to help you meet your goals.

 

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Savings Accounts

Statement Savings

Our Statement Savings account provides an easy, convenient way to make your

money grow.  Statement Savings gives you access to convenient electronic banking

services such as telephone transfers.  With Statement Savings all your account activity

is recorded on a convenient statement that you receive each month.

 

Passbook Savings

Many people enjoy the convenience and feeling of security they get from passbook

savings.  That's why we offer a passbook savings option.  With BCB passbook

savings, just bring your passbook into the bank to have your account activity recorded.

 

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Investment Accounts

 

 

 

 

 

 

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Money Market Account

If you want to combine higher interest rates with convenient access to your money, our

Money Market Account might be just the account for you.  Our Money Market Account 

pays money market interest-higher than our checking or savings accounts-and gives you easy

access to your money.  Our Money Market interest rates are "tiered," so you can earn higher

interest rates as your balance grows.  You can write up to three checks per month and have

unlimited access to your account via lobby transactions.

 

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Certificates Of Deposits (CDs)

If you're looking for our highest rates of return in a secure, insured investment, you should 

consider our Certificates of Deposit.  You have complete flexibility to choose the term of

your investment, from seven days to five years.  Your interest rate is fixed until maturity, so 

you get a guaranteed return on your money.  And with the maximum allowable FDIC 

insurance, there's simply no safer place for your money.  Because there is a penalty for

early withdrawal from your Certificate of Deposit, you should choose an amount and term 

for your CD that won't require you to withdraw your funds before maturity.  If you think

you might need to access your funds in the near future, you may want to consider our

Money Market Account, where you can access your funds without penalty.  If you choose

a Certificate of Deposit, we'll notify you as your CD approaches maturity.  You'll have the

option of renewing your CD at the prevailing rate or transferring your funds.

 

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Individual Retirement Accounts (IRAs)

Everyone should plan carefully for retirement, and if you qualify for an IRA, we offer you a 

variety of options.  You can choose to deposit your IRA funds into several different types

of accounts, and the interest you earn is tax-deferred until you begin making withdrawals.

Plus, if you qualify, your entire contribution may be tax-deductible ( you should consult your

tax advisor concerning contribution limits and tax deductibility of your investment).

 

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Direct Deposit

Direct Deposit is a very convenient and secure way to have your payroll or Social Security

check electronically deposited into your account.  And it's free!  You can also use Direct

Deposit for any other payments you receive regularly and would like to have deposited into

a checking, savings or investment account.  This way, your money always gets to the bank,

even when you can't.

 

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Interest Rates

We always try to offer interest rates that are competitive, attractive and fair.  To do this,

we constantly monitor market conditions and adjust our rates accordingly.  For complete

information on our current rates, please contact any of our customer service representatives.

 

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