Personal Savings, CDs, & IRAs

Personal savings accounts, CDs, and IRA accounts for every type of saver.

Personal Savings Services
Hi-Fi Money Market AccountPersonal Savings AccountRound Up Savings
Minimum Opening Deposit $1,000$50
$10 for minors < 18 yrs.
None
Minimum Daily Balance $1,000

$50
None for minors < 18 yrs.

None
Interest Rate* Variable*
Current Rates
Variable*
Current Rates
Variable*
Current Rates
Interest Paid Tiered based on ending daily balanceQuarterlyQuarterly
Monthly Service Charge $10 with balance
less than $1,000

$1 with balance
less than $50;
None for minors < 18 yrs.

None
In-Person and ATM Withdrawals per Month Unlimited Unlimited Unlimited
Electronic Transfers and Payments to 3rd Party Limited to 6 per month Limited to 6 per month Limited to 6 per month
Limited Transaction Fees $3.00 for each limited transaction over 6 $1.00 for each limited transaction over 6 $1.00 for each limited transaction over 6
Account Statements MonthlyQuarterlyQuarterly
Online Banking FREEFREEFREE
24 Hr. Bank by Phone YesYesYes
Dormant Accounts $5.00 fee per month (no activity for 2 years or more) if balance is less than $200 $5.00 fee per month (no activity for 2 years or more) if balance is less than $200; none for minors < 18 yrs. $5.00 fee per month (no activity for 2 years or more) if balance is less than $200
FDIC Insured YesYesYes

* Rates are subject to change. New rate sheet published every Thursday. Other Services and Fees may apply.

Leran more about Payne County Bank's Round Up Savings Program and automatically add the pocket change to your savings account…

 

How To Open a New Savings Deposit Account

If you are interested in opening a new account with us please stop by and see any of our friendly customer service representatives at the Main Bank location, 202 S. Main, Perkins.

Initial Minimum Deposit Required: $50.00 minimum

Required Forms of ID:

  • a government issued photo ID
  • one additional form of ID, preferably your Social Security card

We look forward to meeting you! 

IRAs & Retirement Accounts 

Retirement can be a confusing yet exciting decision to make. We specialize in trying to find the perfect retirement options for what your future needs could be. Please call or come by today and speak with one of our friendly customer service representatives (405) 547-4848.

Types of CDs View the current ratesheet
TermBasic CDSpecialty CDMinimum DepositInterest PaidInterest RateInterest Rate
Increase Per
Term
30-89 daysx $1,000Varies with termFixedNone
90-180 daysx $1,000Varies with termFixedNone
6-monthsx $1,000Varies with termFixedNone
7-months Advantage CD$5,000MonthlyFixedNone
12-monthsx $1,000Varies with termFixedNone
12-months Dream CD$100At MaturityVariableNone
14-months Promotional CD$5,000MonthlyFixedNone
18-monthsx $1,000Varies with termFixedNone
18-months Elevator CD$1,000MonthlyFixed1
24-monthsx $1,000Varies with termFixedNone
30-monthsx $1,000Varies with termFixedNone
30-months Elevator CD$1,000MonthlyFixed1
36-monthsx $1,000Varies with termFixedNone
42-months Elevator CD$1,000MonthlyFixed2
48-monthsx $1,000Varies with termFixedNone
60-monthsx $1,000Varies with termFixedNone